diff --git a/lovely/interest_changes.toml b/lovely/interest_changes.toml
new file mode 100644
index 000000000..ccfb6b431
--- /dev/null
+++ b/lovely/interest_changes.toml
@@ -0,0 +1,32 @@
+[manifest]
+version = "1.0.0"
+dump_lua = true
+priority = 0
+
+[[patches]]
+[patches.regex]
+target = 'functions/common_events.lua'
+pattern = 'G\.GAME\.interest_cap/5'
+position = 'at'
+payload = 'SMODS.get_interest()["interest_cap"]'
+
+[[patches]]
+[patches.regex]
+target = 'functions/common_events.lua'
+pattern = 'vars = \{G\.GAME\.interest_amount, 5'
+position = 'at'
+payload = 'vars = {G.GAME.interest_amount, SMODS.get_interest()["per_interest"]'
+
+[[patches]]
+[patches.regex]
+target = 'functions/state_events.lua'
+pattern = 'G\.GAME\.interest_cap/5'
+position = 'at'
+payload = 'SMODS.get_interest()["interest_cap"]'
+
+[[patches]]
+[patches.regex]
+target = 'functions/state_events.lua'
+pattern = 'G\.GAME\.dollars/5'
+position = 'at'
+payload = 'G.GAME.dollars/SMODS.get_interest()["per_interest"]'
diff --git a/src/utils.lua b/src/utils.lua
index fdeb63132..21d8ce228 100644
--- a/src/utils.lua
+++ b/src/utils.lua
@@ -2868,4 +2868,35 @@ function ease_dollars(mod, instant)
         from_consumeable = (G.STATE == G.STATES.PLAY_TAROT) or nil,
         from_scoring = (G.STATE == G.STATES.HAND_PLAYED) or nil,
     })
-end
\ No newline at end of file
+end
+
+function SMODS.get_interest()
+    local add_interest_cap = 0
+    local add_per_interest = 0
+    for _, area in ipairs(SMODS.get_card_areas('jokers')) do
+        for _, _card in ipairs(area.cards) do
+            local ret = _card:calculate_interest()
+    
+            -- TARGET: calc_interest per card
+            if ret then
+                if ret then
+                    if ret.add_cap then
+                        add_interest_cap = add_interest_cap + ret.add_cap
+                    end
+                    if ret.add_per_interest then
+                        add_per_interest = add_per_interest + ret.add_per_interest
+                    end
+                end
+            end
+        end
+    end
+    return {interest_cap = add_interest_cap + (G.GAME.extra_interest_cap or 0) + G.GAME.interest_cap/5, per_interest = add_per_interest + (G.GAME.extra_per_interest or 0) + 5}
+end
+
+function Card:calculate_interest()
+    if not self:can_calculate() then return end
+    local obj = self.config.center
+    if obj.calc_interest and type(obj.calc_interest) == 'function' then
+        return obj:calc_interest(self)
+    end
+end