- #1 The Ocean is not Water
97% match6 user reviews83% of 6 reviews2026
Dev: Sharkey
Windows · Mac
An eldritch incremental game where you are an ancient shark devouring fish, reality, and the concept of depth itself. Hunt with sonar, collect bioluminescent jellyfish, command a brood, dream the dreams of dead gods, and descend through layers of cosmic progression. The ocean is not water.
Why similar: Auto Battler 29.5%, Farming Sim 25.6%, Incremental 13%, Idler 11.1%, Strategy 11%
- #2 Farm the Fame
96% matchNo user reviews
Dev: Longthread
Windows
Incremental arena manager. Recruit fighters from different realms into your arena. Earn fame. Upgrade the arena, level up your fighters, and add stronger enemies. Earn more fame. Invite nobles, kings, and even gods into the audience.
Why similar: Auto Battler 44.8%, Incremental 25%, Strategy 14.1%, Casual 8.2%, Top-Down 4.8%
- #3 Farm Empire
96% matchMixed56% of 196 reviews2023
Dev: Superpog ApSPub: Playtopia.com
Windows · Mac · Linux
Would you like to be the world's richest farmer? In Farm Empire, you'll start your own farm from scratch, but with the right strategy, you'll soon have an entire empire.
Why similar: Farming Sim 31.8%, Incremental 16.6%, Idler 16%, Capitalism 11.9%, Casual 10.7%
- #4 Long Rest
95% matchMostly Positive77% of 31 reviews2026
Dev: Newyares
Windows · Mac
Lead 4 auto-running heroes through dungeon runs, open chests, survive the curse, and spend your loot on permanent upgrades.
Why similar: Auto Battler 32.8%, Incremental 20.1%, Idler 18.1%, Strategy 8.3%, Casual 6.3%
- #5 FishFishFishFishFish
94% match1 user reviews100% of 1 reviews2026
Dev: SeaPub: Sea
Windows
A casual fishing game where you catch fish swimming across the screen and upgrade your hooks and fishing line with coins. Fill your library, discover fish that change by area and weather, and enjoy fishing that grows little by little even in short sessions, all at your own pace.
Why similar: Auto Battler 37.7%, Incremental 18.2%, Idler 16.9%, Strategy 14.1%, Casual 9.3%
- #6 Game About Botting in an MMORPG
94% matchNo user reviews2026
Dev: YaxWorks
Windows
Idle Incremental MMORPG Simulator where you start grinding manually, then gradually unlock Bot Modules until the game plays itself. Setup combat behavior and farming routes to find the most optimal configuration.
Why similar: Auto Battler 29.9%, Idler 18.5%, Incremental 16.2%, Strategy 11.3%, Automation 8.5%
- #7 Glint Grade
92% matchNo user reviews
Dev: TJSlurch
Windows
Glint Grade is a 3D tycoon sandbox where you can design and develop your own factory! Mines generate ores which you must navigate through complex networks of upgraders, teleporters, and smelters to multiply their values.
Why similar: Farming Sim 31.9%, Strategy 18%, Idler 15.3%, Incremental 12.8%, Casual 10.8%
- #8 Feed the Reactor
91% matchVery Positive83% of 640 reviews2026
Dev: Adam Travers
Windows
Median: 3.6 hrsMean: 5.8 hrs≥1hr: 94%
An incremental unfolding game about feeding fuel into a reactor. Combine elements to produce energy, unlock exotic technologies and explore a strange galaxy.
Why similar: Auto Battler 29.4%, Incremental 27.5%, Idler 16.9%, Strategy 14.7%, Casual 6%
- #9 Bottom Squad
91% matchMixed63% of 16 reviews2026
Dev: Family Devs
Windows
An idle defense game at the bottom of your screen. Build your squad, upgrade your base, and hold the line against relentless alien waves while you work or browse.
Why similar: Auto Battler 30.5%, Idler 20%, Incremental 17.7%, Capitalism 8.1%, Strategy 7.7%
- #10 Aquaville
90% matchMostly Positive75% of 24 reviews2026
Dev: Team Machiavelli
Windows
An idle desktop aquarium game where you buy, feed, and breed fish to discover new species with unique rarities and tiers. Decorate cozy tanks and customize your desk with cute items. Earn money just by caring for your fish, even while you work or relax!
Why similar: Farming Sim 33.6%, Idler 18%, Incremental 17%, Capitalism 10.5%, Casual 8.3%
- #11 Critter Clicker
93% matchMixed57% of 111 reviews2020
Dev: TimeWastingGames
Windows
Casual farming simulator with unique, flexible gameplay. Autoclicker is built-in and free. Gather resources, upgrade critters and buildings, sell your farm when you want a bigger one and never stop expanding.
Why similar: Farming Sim 32.3%, Idler 20.9%, Incremental 18.9%, Strategy 12.1%, Casual 7.6%
- #12 Blobbin
89% matchNo user reviews2026
Dev: AeverixEL
Windows
Blobbin is a cozy 2D idle clicker where you poke, bounce, upgrade, and evolve adorable blobs to earn mountains of Goo. Unlock new blob types, prestige for powerful bonuses, and experiment with Blob Alchemy as your squishy little blob empire grows.
Why similar: Farming Sim 41%, Incremental 20.6%, Idler 19.7%, Casual 14.4%, Relaxing 3.2%
- #13 Crop Empire
89% match7 user reviews71% of 7 reviews2025
Dev: Obsessive Games
Windows
From seed to empire—plant, harvest, and prosper! Crop Empire blends farming, upgrades, and idle automation, letting you watch your fields flourish while you strategize, unlock talents, and expand into a true agricultural dynasty.
Why similar: Farming Sim 27.8%, Incremental 17.5%, Idler 16.8%, Strategy 8.9%, Casual 8.9%
- #14 Total Incremental Battle
88% matchNo user reviews2027
Dev: Tech Debt Games
Windows · Linux
Start with a single soldier, end up with a massive army. Strategize and command your units, or let them grind on their own. Progress through many unique progression systems and conquer all the stages.
Why similar: Auto Battler 34.4%, Strategy 20.2%, Incremental 19.9%, Idler 16.2%, Top-Down 4.1%
- #15 Zombie Cropse
87% matchNo user reviews2026
Dev: YCF Productions
Windows
Zombie Cropse is a cozy gothic idle management game where you plant zombie seeds to grow zombies, automate your graveyard, and raid the living. Build your horde, conquer a branching campaign, and ascend to begin again with permanent power.
Why similar: Auto Battler 23.8%, Farming Sim 20.7%, Idler 13.8%, Incremental 13%, Capitalism 7.9%
- #16 Fantasy Miner: Idle Depths
86% matchNo user reviews2026
Dev: SuperioritaPub: Kai
Windows
Dig for ore, discover new resources, smelt ingots, and unlock hundreds of upgrades in this fantasy mining idle game. Mine faster, dig deeper, and watch your progress grow.
Why similar: Auto Battler 36.6%, Strategy 19.2%, Incremental 17.5%, Idler 15.6%, Automation 6.6%
- #17 Minion Colony
86% matchNo user reviews
Dev: Jam Studios
Windows
A fantasy city builder where you build up your army of minions to take on monsters, bandits and even entire armies! Recruit a wide range of minions to help you gather resources, craft weapons and armor, and develop your colony into the stronghold it was always meant to be.
Why similar: Auto Battler 33.3%, Strategy 17.4%, Idler 14.9%, Farming Sim 8.1%, Automation 6.2%
- #18 Endless Escalation
85% matchNo user reviews
Dev: GFX47
Windows
A strategy-driven incremental where choices actually matter. Upgrade costs scale together, forcing meaningful trade-offs instead of blindly upgrading everything. Build defenses, specialize your army, and adapt to overcome ever-evolving enemy forces.
Why similar: Auto Battler 33%, Incremental 20.4%, Idler 19.2%, Strategy 12.5%, Action 4.8%
- #19 Idle Protocol
84% match6 user reviews17% of 6 reviews2026
Dev: Zzz Idle Games
Windows
Idle Protocol is a minimalist sci-fi tower defense and incremental game. Manage a central CPU core, equip exactly 2 Nodes, and defend against geometric anomalies. Perform a System Reboot to earn Cycles and unlock permanent modules in the BIOS!
Why similar: Auto Battler 34.6%, Incremental 21.7%, Idler 19.2%, Strategy 16.4%, Casual 7.3%
- #20 Devil in the penthouse
84% matchNo user reviews2026
Dev: Kongnamu Games
Windows
Slay bosses and climb the demonic skyscraper in this stress-free incremental RPG. Gather loot, unleash powerful active skills, and upgrade your knight to achieve ultimate power. Can you reach the Penthouse and defeat the Devil?
Why similar: Auto Battler 37%, Incremental 22.2%, Idler 20.8%, Casual 13.8%, Top-Down 6.2%
- #21 Squimo
82% matchNo user reviews2026
Dev: jokatu
Windows
This is a short, roguelite incremental game about eliminating Squimo.
Why similar: Auto Battler 32%, Incremental 17.3%, Idler 17.1%, Automation 8.5%, Strategy 8.5%
- #22 Heartwood Incremental
82% matchNo user reviews2026
Dev: Noah Cook
Windows
Grow a single seed into a cosmic tree in this cozy pixel-art incremental. Gather Sunlight, branch out, and drop Seeds into a permanent Seed Tree — then Evolve, reborn into ever-grander forms, each unlocking a whole new way to grow. Always one more upgrade.
Why similar: Farming Sim 39.5%, Idler 20.3%, Casual 13.2%, Incremental 8.7%, Nature 7.2%
- #23 Bomb Farm
81% matchNo user reviews
Dev: Stream On
Windows
An idle RPG where your bomber squadron gathers resources for you. Destroy rocks, hunt for rare items, forge and upgrade your equipment, master a vast skill tree, and trade items with other players on the Steam Market. Free to play.
Why similar: Auto Battler 33.9%, Incremental 20.3%, Idler 18.3%, Casual 8.8%, Strategy 8.6%
- #24 CAT CAT CAT CAT CAT CAT CAT CAT CAT CAT CAT
80% matchVery Positive87% of 71 reviews2026
Dev: CodeTheory Ltd
Windows
Catx11 is a short incremental game. Harvest crops, buy upgrades, hire cats, fight bosses, and level up your gear! Many different strategies and ways to play.
Why similar: Incremental 20.7%, Idler 18.6%, Capitalism 16.5%, Farming Sim 15.7%, Strategy 15.5%
- #25 Legion Breaker
81% matchNo user reviews2026
Dev: Baffled EngineerPub: Level Up Gaming
Windows
A short active incremental game about defending from undead hordes. Wield an arsenal of spells, raise a holy army, and fight across ever-expanding battlefields. Start from nothing and progress through a massive skill tree to become the ultimate battlemage.
Why similar: Auto Battler 33.3%, Incremental 20.8%, Idler 18.1%, Strategy 13.4%, Casual 7.1%
- #26 Mushroom farm
79% match1 user reviews100% of 1 reviews2026
Dev: KANA.
Windows
Grow magical mushrooms in your own cozy farm! Cultivate 20 unique species, collect spores, and discover rare fungi on forest walks. A relaxing idle game with full controller-free play and 31 languages supported.
Why similar: Farming Sim 36.1%, Idler 18.5%, Incremental 16.8%, Casual 12.8%, Strategy 6.7%
- #27 Tiana's Fishing Diary
78% matchPositive93% of 44 reviews2026
Dev: Hakimi Studio
Windows
This is a pixel art idle desktop fishing game.place them in your aquarium to earn gold.Combine their production skills to maximize your income.Unlock costumes, explore new maps, collect all kinds of fish including extremely rare color variants, and complete quests for island residents.
Why similar: Farming Sim 41.8%, Idler 21.3%, Incremental 19.3%, Casual 14.3%, Relaxing 3.2%
- #28 Terrier Manager
78% match5 user reviews100% of 5 reviews2026
Dev: Aggroblakh
Windows
Rats have infested your farm! Train a team of terriers to hunt them down in this incremental idle game. Breed your dogs to strengthen your team as you hunt down the ten Rat Lords who have taken over.
Why similar: Auto Battler 32.3%, Strategy 17.1%, Idler 15.5%, Incremental 13.1%, Casual 10.7%
- #29 Click to Punch
79% matchPositive100% of 21 reviews2025
Dev: Kuro NaedaPub: Click to Game
Windows
Punch a crying bag, collect its tears, power up your punches, and unleash chaos. Fast-paced clicker madness with absurd upgrades and a lil’ buddy who punches for you!
Why similar: Auto Battler 38.7%, Incremental 24.4%, Idler 21.6%, Casual 5.1%, Comedy 4.8%
- #30 Idle Polygon
77% matchNo user reviews2026
Dev: Suupia
Windows · Mac
Expand your territory and watch your numbers soar in Idle Polygon, a minimalist incremental game with RPG depth. Upgrade your Geoms, optimize production to astronomical levels, and test your strength in strategic battles. Experience a mesmerizing world where math and growth collide.
Why similar: Auto Battler 37.5%, Idler 24.2%, Incremental 20.7%, Strategy 7.3%, Simulation 5.5%
- #31 Dirty Piggy
77% matchPositive100% of 17 reviews2025
Dev: Vorh Games
Windows
A cozy idle game about cute pigs, care and little discoveries. Feed, wash, decorate, collect coins and strange finds. They say grandpa hid something... Are you and the pigs really going to solve a family secret?
Why similar: Farming Sim 38.4%, Idler 26.7%, Incremental 22.7%, Casual 9.7%, Simulation 2.5%
- #32 Karma Keepers
75% matchMostly Positive71% of 49 reviews2026
Dev: yonazdev
Windows · Mac
A chill idle/incremental strategy game where you restore souls, build a Faith economy, automate more of your realm, and rebirth for permanent progress before corruption takes over
Why similar: Auto Battler 24.3%, Idler 17.2%, Incremental 16.3%, Strategy 10.8%, Automation 8.9%
- #33 Endless Harvest
76% matchNo user reviews2026
Dev: Feral Hog Games
Windows
Endless Harvest is relaxing yet strategic incremental farming game where every crop you place changes the efficiency of your growing plot of land. Grow crops, unlock upgrades, and optimize your farm as much as possible!
Why similar: Farming Sim 35.3%, Incremental 18%, Idler 16.9%, Strategy 14.1%, Casual 12%
- #34 Unlimited Farm Tycoon - Cozy Idle Farm Game
76% matchPositive89% of 17 reviews2025
Dev: Musa GUNGOR
Windows
Build your dream farm in 8 different worlds. You can plant a tree farm, create a vegetable garden, or even raise animals. Build your fences wherever you want in the open world, create the farm you desire.
Why similar: Farming Sim 34.8%, Idler 17.9%, Casual 10.9%, Capitalism 9.9%, Nature 6.3%
- #35 Goblins for Good
75% matchNo user reviews2027
Dev: HolyCowCreates
Windows · Mac · Linux
A Warcraft-inspired incremental game — grow a goblin army while raising money for charity! Upgrade your goblins, merge them into massive units, and unleash comedic, wholesome chaos! 90% of profits are donated to causes like The Alzheimer's Foundation of America and Parkkinson’s Foundation.
Why similar: Auto Battler 33.2%, Incremental 18.5%, Idler 13.2%, Strategy 10.8%, Casual 6.6%
- #36 GODBLADE
74% matchNo user reviews
Dev: The UnderstudioPub: Don't Open The Box!
Windows
You are the blacksmith, not the hero. Forge ONE Godblade, program its behaviour like a machine, and watch it fight for you with a single swing. Wire trait chains, hammer the steel by hand, and re-engineer everything each time the world adapts to kill your build.
Why similar: Auto Battler 34.8%, Idler 22.1%, Incremental 19.1%, Automation 9.8%, Casual 7%
- #37 Herb Garden
73% match3 user reviews100% of 3 reviews2026
Dev: Horsepower Interactive
Windows
A relaxing idle farming game where your crops grow in real time, even when you’re away. Plant, harvest, follow recipes, and expand your farm at your own pace, with over 60 unique plants and cozy bite-sized minigames.
Why similar: Farming Sim 44.5%, Incremental 21.1%, Idler 19.8%, Casual 8.6%, Top-Down 6%
- #38 Slime Reaper
74% matchNo user reviews
Dev: Ruben Arranz
Windows
Click to kill slimes and gain gold. Then hire adventurers to kill more slimes. Unlock new slime tiers, upgrade your clicks, adventurers and unlock abilities to kill even more slimes. And then prestige to unlock special upgrades!
Why similar: Idler 26%, Incremental 22.7%, Auto Battler 12.6%, Casual 11.7%, Strategy 7.1%
- #39 ENDLESS SIGNAL
72% match6 user reviews100% of 6 reviews2026
Dev: gamugamugames
Windows
An idle hack-and-slash shooter with fast-paced progression, playable in the corner of your screen.
Why similar: Auto Battler 45.6%, Idler 20.6%, Incremental 17.4%, Action 8.1%, Casual 7.5%
- #40 Corner Quest
73% matchNo user reviews2026
Dev: EbonForgeGames
Windows
An idle auto-battler that sits in the corner of your screen while you do other things.
Why similar: Auto Battler 35.2%, Idler 20.4%, Incremental 18.7%, Strategy 10%, Top-Down 6.2%
- #41 KeepFighting
72% matchNo user reviews
Dev: E.O.G
Windows
A cute SD pixel hero cuts through endless waves of enemies, then grows stronger between battles in an incremental auto-battle RPG built around satisfying progression.
Why similar: Auto Battler 36.4%, Incremental 27.1%, Idler 24.5%, Casual 12%
- #42 Idle Garden
71% matchNo user reviews2026
Dev: ZeroGameStudio
Windows
This little garden quietly grows at the bottom of your desktop. With a bit of patience and care, it brings you more delightful plants and decorations. Arrange your desk garden with love, and let it be your gentlest companion through work and rest alike.
Why similar: Farming Sim 33.9%, Idler 22.8%, Incremental 17.1%, Casual 9.3%, Nature 6.3%
- #43 Suizokukan Project
71% matchPositive88% of 26 reviews2025
Dev: HDchrom
Windows
Turn your desktop into an aquarium! Fish, collect, earn, and decorate your aquarium. Suizokukan Project makes for the perfect companion while you do menial work in your computer.
Why similar: Farming Sim 37.2%, Idler 23.3%, Incremental 12.2%, Casual 7.3%, Nature 5.6%
- #44 Conquering Other Planets Idle - COPI
70% matchNo user reviews2026
Dev: Mrma GamesPub: Marma
Windows
A deep idle RPG where numbers go up, gear gets weirdly strong, and prestige when you want to be stronger or weaker. Build your permanent wardrobe across prestiges, pick your gear to start a run with, but be prepared to upgrade.
Why similar: Auto Battler 38.8%, Idler 22.7%, Incremental 18.4%, Strategy 15%, Simulation 5.1%
- #45 Autodelve
70% matchNo user reviews2026
Dev: Greyhearth
Windows
A watch-it-happen roguelike meets a deep incremental. Your challengers dive, fight, and fall on their own — you spend their legacy to make the next generation stronger, and send up to six delving at once. Idle progress worthy of a second monitor.
Why similar: Auto Battler 36.9%, Incremental 20.2%, Idler 19.8%, Strategy 9.2%, Automation 8.8%
- #46 The King Got Too Much Gold
68% match7 user reviews86% of 7 reviews2026
Dev: KrabiPub: MadOctopus
Windows
Your royal fountain spits out more gold than anyone could ever spend, and cleaning it up is somehow your job. Sweep coins, sell them, draft upgrades, hire goblins, trolls and a cat, unlock a big web of skills, then feed your whole fortune to the Glutton King. You can never lose. The gold never stops
Why similar: Auto Battler 41.4%, Idler 19.8%, Incremental 18.1%, Casual 9.7%, Automation 6%
- #47 Adventarum
70% matchNo user reviews
Dev: Baomont
Windows
Adventarum is a fantasy idle battler where you fight monsters, earn loot, and rise through the Adventurer’s Guild. Upgrade skills, craft gear, and unlock epic quests as you grow from lone adventurer to guild master.
Why similar: Auto Battler 40.1%, Idler 23.4%, Incremental 19.1%, Casual 10.1%, Automation 4.5%
- #48 Monsters Idle RPG
73% matchMixed64% of 67 reviews2023
Dev: Overaction Game Studio
Windows · Mac · Linux
Monsters Idle RPG is a cozy and relaxing idle game where you collect monsters, deploy them in battles, gather resources, and sell them to earn profits! Explore Arcanium as you advance from a basic starter monster to your favorite companion by expanding your collection.
Why similar: Auto Battler 24.8%, Farming Sim 19.4%, Idler 15.9%, Incremental 15.3%, Automation 7%
- #49 Yummy Yummy Honey
69% matchNo user reviews
Dev: Gaming Is Dead Studio
Windows · Linux
Harvest flowers, grow your honeycomb! Relaxing yet exciting: a cozy rush of bloom and buzz.
Why similar: Strategy 28.8%, Incremental 25.1%, Idler 23.2%, Casual 17.6%, Relaxing 4.1%
- #50 Exploiters
68% match7 user reviews14% of 7 reviews2026
Dev: Comar Studios
Windows
Idle zombie defense where you grow your colony, earn passive income, and survive endless waves with automated combat and strategic upgrades.
Why similar: Idler 25.2%, Incremental 23.4%, Auto Battler 20.3%, Strategy 17.3%, Casual 10.7%
- #51 Decorate! hololive Sticker Battle
69% matchNo user reviews2026
Dev: Preapp PartnersPub: holo Indie
Windows
"Decorate! hololive Sticker Battle" is a PvP auto-battler where you decorate your favorite Holomem with stickers and battle against other players.
Why similar: Auto Battler 45.4%, Strategy 27.8%, Casual 14%, Colorful 5%, Relaxing 3.6%
- #52 ShredDead
68% matchNo user reviews2026
Dev: Weird Penguin Games
Windows
ShredDead is a quirky relaxing incremental zombie-shredding game focused on progression with no lose conditions. Defeat endless waves, collect loot, grow your skill tree and evolve the zombies.
Why similar: Auto Battler 36.1%, Incremental 20.6%, Idler 17.9%, Strategy 13.1%, Casual 7.4%
- #53 Discremental
67% matchNo user reviews2026
Dev: Elite Gorgon Games
Windows
Discremental is a short idle and incremental game where you primarily upgrade your disk, along with other equipment.
Why similar: Auto Battler 34.9%, Idler 21.5%, Incremental 19.8%, Strategy 8%, Casual 7%
- #54 筑梦三国
67% matchNo user reviews
Dev: 迷茫游戏
Windows
筑梦三国是汲取霸王大陆,三国志,三国群英传等经典游戏精华,结合自走棋战斗玩法创作的一款战争策略类单机游戏
Why similar: Strategy 40.1%, Auto Battler 36%, Casual 22.1%, Indie 1.7%
- #55 Loop Dungeon - Incremental
67% matchNo user reviews
Dev: Playsect
Windows
Lead a party of heroes through endless dungeon loops. Gather loot, unlock permanent upgrades, and build powerful synergies as you push deeper into an ever-growing incremental adventure.
Why similar: Auto Battler 28.9%, Incremental 20.4%, Idler 19.4%, Strategy 10.7%, Casual 7.4%
- #56 Familiar - Battle of the Labyrinth
71% matchMostly Positive78% of 23 reviews2023
Dev: Goatfish GamesPub: DigiPen Institute of Technology
Windows
An autobattler where you traverse a mysterious labyrinth. Summoning familiars to fight enemies and finding collectables along the way, as you delve deeper to find what lies at the end.
Why similar: Auto Battler 52.3%, Strategy 23.3%, Casual 9.8%, Action 9.2%, Family Friendly 5.4%
- #57 Brick Mayhem
67% matchNo user reviews2026
Dev: Tetrapunk Design
Windows
A physics-based autobattler where tiny plastic warriors battle across fully destructible fortresses. Customize your army, unleash explosive sieges, and enjoy chaotic brick-filled destruction.
Why similar: Auto Battler 49.4%, Strategy 28.8%, Simulation 6.2%, 3D 5.7%, Relaxing 5.2%
- #58 Grow a Carrot
69% matchMixed69% of 96 reviews2024
Dev: Axelotl
Windows
Island full of bunnies awaiting for YOU to join them! Find the strangest ways to get as many carrots as you can handle in Point and Click game style! Have fun, and remember to always Grow a Carrot!
Why similar: Farming Sim 42.3%, Incremental 20.9%, Idler 20%, Casual 10.2%, Family Friendly 4.9%
- #59 Toto`s mini house
66% matchNo user reviews2026
Dev: catwell
Windows
Do you need a caring companion in your busy daily life? Here, the super-cute little animal Toto will become your best on-screen partner, accompanying you while you work, resting with you, growing alongside you, and helping you build a unique, ideal home.
Why similar: Farming Sim 44.1%, Idler 28.4%, Casual 13.3%, Automation 8.6%, Relaxing 4.5%