- #1 Lonely Christmas
97% matchMixed69% of 108 reviews2024
Dev: ASK_GAMES
Windows
It’s a story about an 8-year-old boy Kevin who was left alone at home at Christmas. Protect your house from a crazy robber and wait for your parents. Can you handle with it? We’ll find out.
Why similar: Hidden Object 23%, Walking Simulator 20.2%, Thriller 16.5%, Psychological Horror 12.5%, First-Person 9.2%
- #2 NightGhast
96% matchVery Positive91% of 78 reviews2024
Dev: Playstige Interactive
Windows
NIGHTGHAST is a first-person horror game about wicked witches and sinister widows...
Why similar: Walking Simulator 35.8%, Psychological Horror 23.4%, Horror 20%, Adventure 10.2%, First-Person 9.9%
- #3 Christmas Nightmare
96% matchVery Positive89% of 349 reviews2023
Dev: JustTomcuk
Windows
Christmas Nightmare is an atmospheric horror game about New Year's Eve.
Why similar: Walking Simulator 34.8%, Simulation 15.3%, Psychological Horror 13.9%, First-Person 12.2%, Horror 10.1%
- #4 9 Childs Street
95% matchVery Positive91% of 783 reviews2023
Dev: N4bA
Windows
Median: 1.1 hrsMean: 1.2 hrs≥1hr: 59%
This is a first-person indie horror game. In 9 Childs Street you will find the terrifying atmosphere of a recently abandoned house, and its captive inhabitants, through the eyes of a curious little boy in a red cap.
Why similar: Walking Simulator 26.9%, Psychological Horror 19.4%, Horror 15.4%, First-Person 11.8%, Supernatural 9.4%
- #5 Death On Holly Ridge
94% matchVery Positive92% of 52 reviews2025
Dev: MixoNat
Windows
Christmas Eve, a delivery driver turns onto Holly Ridge & becomes trapped inside a decaying house of death. Reality fractures as something hunts her through rooms that shouldn’t exist. Survive the night, uncover the truth behind the house, & escape the snowy nightmare, if escape is even possible.
Why similar: Walking Simulator 36.6%, Simulation 23.5%, Horror 13.5%, First-Person 12.7%, Psychological Horror 11.4%
- #6 Silent Nights
93% matchMostly Positive74% of 213 reviews2023
Dev: JustTomcuk
Windows
Silent Nights - A short horror game with realistic graphics, touching storyline and scary moments.
Why similar: Walking Simulator 27.1%, Psychological Horror 17.2%, Thriller 16.6%, Horror 13.3%, First-Person 8.2%
- #7 The Dark Gift
92% matchMostly Positive78% of 117 reviews2024
Dev: JustTomcuk
Windows
The Dark Gift is a horror game about Christmas and New Year.
Why similar: Walking Simulator 27.8%, Psychological Horror 17.2%, Thriller 15.8%, Horror 13.1%, Supernatural 11.2%
- #8 Silent Still
91% matchMixed53% of 259 reviews2024
Dev: SolitaryStudios
Windows
Silent Still is a first-person psychological horror game that delves into the terrifying experience of sleep paralysis and nightmares. You will feel the true horror that sleep paralysis can bring and the overwhelming fear it instills in a person.
Why similar: Walking Simulator 28.1%, Psychological Horror 15%, Horror 13.7%, Simulation 12.7%, First-Person 11.2%
- #9 TheSilentSnowfall
91% matchMostly Positive75% of 59 reviews2024
Dev: TrueGames
Windows
The Silent Snowfall is a first-person horror game.Embark on a dark Christmas journey where the silence of a winter night hides blood-chilling secrets.
Why similar: Walking Simulator 47.7%, First-Person 16.7%, Psychological Horror 16.5%, Adventure 10.7%, Atmospheric 5.7%
- #10 Lost Luminosity
89% matchVery Positive86% of 232 reviews2025
Dev: Ember Wing Games
Windows
The inheritance following his mother’s death turns into a series of mysterious events for Sam. Neighbors are complaining about strange noises and unexplained phenomena in the empty apartment. Intrigued, he decides to investigate what’s going on there himself.
Why similar: Hidden Object 23%, Walking Simulator 22.4%, Thriller 9.6%, Psychological Horror 9.3%, Simulation 9%
- #11 Midnight Prowl
90% matchMixed65% of 75 reviews2023
Dev: Yamoto
Windows
Midnight Prowl is a horror exploration game set in a Japanese town, where you will experience the horror that takes place there.
Why similar: Walking Simulator 31%, Hidden Object 19.5%, Horror 13.1%, First-Person 10.9%, Psychological Horror 10.3%
- #12 Krampus is Home
89% matchVery Positive80% of 275 reviews2019
Dev: Regl Studios
Windows
Median: 1.3 hrsMean: 4.1 hrs≥1hr: 57%
Sebastian is a teenager who is waiting for his parents to come back home on a cold Christmas night. Soon he realizes that there is something evil lurking around. Experience Sebastian 's journey into a surreal world like no other.
Why similar: Psychological Horror 22.6%, Horror 18.2%, First-Person 14.2%, Thriller 13.4%, Supernatural 12.8%
- #13 You Are Grounded
88% matchVery Positive85% of 122 reviews2024
Dev: Romooll
Windows
"You Are Grounded" is a short psychological horror-slasher game from a first-person perspective. A terrifying killer clown terrorizes a teenager and his family on Halloween Eve.
Why similar: Psychological Horror 18.1%, Thriller 17.2%, Walking Simulator 13.3%, Hidden Object 12.9%, Horror 11.9%
- #14 SHE WAS 98
86% matchVery Positive85% of 420 reviews2026
Dev: N4bAPub: Notex
Windows
“SHE WAS 98” - you play as a grandson who returns to his elderly grandmother's home to care for her.....
Why similar: Walking Simulator 28.5%, Psychological Horror 18.9%, Horror 17.1%, First-Person 11.1%, Thriller 9.4%
- #15 Unseen
87% matchVery Positive81% of 77 reviews2025
Dev: Redsroll
Windows
It’s an indie horror game where John, a forensic photographer, after an unexpected and exhausting shift, is forced to spend the night away from home. What seemed like a temporary rest soon begins to turn unsettling.
Why similar: Walking Simulator 25%, Psychological Horror 20.6%, Thriller 14%, Horror 13.6%, Simulation 10.7%
- #16 Ten Bells
83% matchOverwhelmingly Positive97% of 567 reviews2024
Dev: Hillfort Games
Windows · Mac
You're trapped in an old English pub. Unravel a chilling tale by identifying anomalies while trying to escape. Confront the horror as you survive the endless loop of Ten Bells.
Why similar: Walking Simulator 27.5%, Hidden Object 20.9%, Psychological Horror 15.5%, Horror 11.4%, First-Person 9.3%
- #17 Whispering Fog
84% matchMostly Positive72% of 54 reviews2025
Dev: Dark Snow Games
Windows
Whispering Fog is a first person psychological horror game set in an ever-changing forest shrouded in fog. A quiet getaway becomes a sinister nightmare as the illusion of safety and solitude slowly crumbles around you.
Why similar: Walking Simulator 22.2%, Psychological Horror 17.2%, Thriller 14.4%, Horror 13.6%, Supernatural 11.1%
- #18 The Curse of Elmwood
85% matchMixed57% of 53 reviews2024
Dev: STuNT
Windows
You hear quiet whispers from deep inside the house, but no one sees. You begin to feel that you are not alone in this house. Curse of Elmwood is an atmospheric horror where you find yourself trapped in a gloomy 18th century mansion, steeped in mystery and horror.
Why similar: Hidden Object 30.6%, Walking Simulator 26.4%, Psychological Horror 13.5%, First-Person 9.7%, Horror 9.5%
- #19 Absum
82% matchVery Positive94% of 71 reviews2025
Dev: MixoNat
Windows
Ethan Cross hasn’t heard from his mother in weeks. He decides to check on her at the family home but what he finds is silence, locked doors, and rooms that feel wrong. Trapped in a decaying house bound to a cursed clock. Explore, survive, and uncover what time has forgotten.
Why similar: Walking Simulator 46.9%, Simulation 24.8%, Horror 24.5%, Singleplayer 2%, Indie 1.9%
- #20 Last Lesson
84% matchMixed67% of 164 reviews2023
Dev: REVVALUTION Studio
Windows
It's your first night as the caretaker of a scary quest. The last visitors have gone home. You need to turn off the lights, check the equipment and not die of horror, because someone or something suddenly starts a nightmarish game. With you in the lead.
Why similar: Walking Simulator 28.2%, Hidden Object 26.6%, Simulation 11.2%, Thriller 9.8%, Supernatural 9%
- #21 ALONE?
86% matchMixed42% of 190 reviews2016
Dev: Deceptive Games
Windows · Mac · Linux
Median: 3.5 hrsMean: 4.0 hrs≥1hr: 93%
Explore and experience this horror story, as you embark on an ghostly adventure unlike anything you have played before. Come face-to-face with terror itself as you look for your missing sister.
Why similar: Walking Simulator 23.8%, Simulation 22.9%, Horror 18.9%, Psychological Horror 14.4%, Adventure 11.5%
- #22 What Happened to Lily?
81% matchMostly Positive79% of 145 reviews2025
Dev: Montee Games
Windows
What Happened to Lily? Is a real-time first-person horror game. Discover the secrets and spooky truths behind the mysterious event at Miller Farm.
Why similar: Hidden Object 24.9%, Walking Simulator 22.2%, Thriller 11.9%, Psychological Horror 11.7%, Horror 9.3%
- #23 DON'T LOOK AT GRANDMA
81% matchVery Positive94% of 68 reviews2025
Dev: Danger Sauce LLC
Windows
Grandma hasn’t been the same since Grandpa passed. A night in her house spirals into a battle with the Devil. Recover family heirlooms and perform the ritual to save her soul. But whatever you do… DON’T LOOK AT GRANDMA.
Why similar: Walking Simulator 28.3%, Thriller 15.9%, Supernatural 14.9%, Psychological Horror 13.9%, First-Person 11.9%
- #24 10:59
82% matchMostly Positive70% of 162 reviews2024
Dev: Beshbarmak games
Windows
You wake up with a bad hangover and don’t recognize your home. You see a boy and you understand... that something is wrong with him. Someone's presence causes anxiety, fear and is about to plunge you into the realm of horror. But you don’t lose hope and try to get out of this nightmare.
Why similar: Walking Simulator 29.4%, Psychological Horror 17.5%, Horror 13.7%, Supernatural 13.6%, First-Person 7.4%
- #25 Reflection
79% matchVery Positive84% of 247 reviews2025
Dev: JustTomcuk
Windows
You woke up in some basement and don't remember who you are or how you ended up here... But what you do know is that you need to get out of here...
Why similar: Walking Simulator 27.7%, Psychological Horror 17.5%, Horror 13.4%, Supernatural 12.7%, Thriller 11.8%
- #26 August Night
80% matchMostly Positive72% of 85 reviews2025
Dev: Sahl Ibrahimi
Windows
Escape a distorted version of your own newly rented apartment in this interactive nightmare.
Why similar: Psychological Horror 26.8%, Horror 14.8%, First-Person 14.6%, Supernatural 13.4%, Walking Simulator 9.4%
- #27 The Last Letter
77% matchVery Positive93% of 59 reviews2026
Dev: JustTomcuk
Windows
The Last Letter is a short VHS-style horror game about a film student who receives mysterious letters containing coordinates that lead to a house deep in the forest, where the truth about his past awaits.
Why similar: Walking Simulator 23.7%, Psychological Horror 16.4%, Supernatural 13.8%, Horror 13.7%, Thriller 11.2%
- #28 It Happened At Night
79% matchMixed69% of 54 reviews2024
Dev: Davidcrosdev
Windows
It Happened At Night is a short horror game where the player must complete basic objectives to advance the story and immerse themselves through the eyes of the protagonist.
Why similar: Walking Simulator 33.2%, Horror 16.3%, Psychological Horror 14.8%, Thriller 13.4%, First-Person 11.8%
- #29 The Renovator: Origins
77% matchVery Positive86% of 236 reviews2024
Dev: Peace_Studio
Windows
You play as the son of a restorer, a museum worker who died tragically. While searching for the memorabilia, the door suddenly closes and strange things begin to happen. The hero is waiting for immersion in the world of art and the paranormal.
Why similar: Thriller 24.5%, Psychological Horror 22.7%, Walking Simulator 21.2%, Horror 18.6%, Atmospheric 6.4%
- #30 The Strange Lights
76% matchVery Positive87% of 123 reviews2026
Dev: JustTomcuk
Windows
You have arrived in a forest where people are rumored to disappear and strange things happen... Locals often see bright flashes and hear strange sounds...
Why similar: Walking Simulator 26.8%, Psychological Horror 16.6%, Thriller 14.1%, Horror 12.7%, Supernatural 12.5%
- #31 Lost Child
76% matchVery Positive82% of 109 reviews2025
Dev: ASK_GAMES
Windows
Are You Lost? Wander endless corridors where shifting environments, sinister voices, and echoes of real events create a chilling atmosphere. Andrey doesn’t remember who he was, but the walls know the truth. It’s time to remember everything.
Why similar: Hidden Object 28%, Walking Simulator 27.4%, Psychological Horror 17.9%, First-Person 10.4%, Simulation 7.2%
- #32 My Grandparents' Christmas Mystery
78% matchMostly Positive73% of 69 reviews2022
Dev: Korvinrular
Windows
Grandma never showed up and Grandpa's tragic passing 3 days later left me in anger, confusion and sadness. I couldn't just let this go like it never happened, so I decided to go and find out what happened on my own. Will you survive a first-person psychological horror game and uncover the mystery?
Why similar: Walking Simulator 32.1%, Psychological Horror 23.7%, Horror 18.8%, First-Person 8.5%, Atmospheric 7.9%
- #33 Uninvited Guest
78% matchMostly Positive74% of 337 reviews2021
Dev: AdroVGames
Windows
Median: 3.0 hrsMean: 4.3 hrs≥1hr: 95%
Uninvited Guest is a first-person psychological horror game set in 1930. You play as a villager who was destined to end up in an old mansion.
Why similar: Walking Simulator 20.2%, Hidden Object 20.2%, Psychological Horror 18.7%, Horror 14.5%, First-Person 9.2%
- #34 Uncanny Tales: 1992
74% matchVery Positive85% of 272 reviews2025
Dev: VYASTUDIO
Windows
Autumn, 1992. Anton, a 14-year-old boy, moves with his parents to a small town and is left alone in his grandmother's apartment. Meanwhile, children are disappearing across the town — the police are powerless, and no one knows who's behind it…
Why similar: Walking Simulator 29.5%, Thriller 20.7%, Psychological Horror 16%, Horror 14.5%, First-Person 11%
- #35 Echoes Of The House
75% matchVery Positive80% of 184 reviews2024
Dev: Sordar Studios
Windows
Christopher arrives at his grandmother's countryside home late at night for a seemingly ordinary visit. But soon after reuniting, he begins to notice something isn't right. The familiar setting warps into a place of unease, and the mystery that unravels is far more complex than anyone could expect.
Why similar: Thriller 21.9%, Psychological Horror 21.1%, Horror 16.4%, Supernatural 15.3%, First-Person 12.4%
- #36 Unwilling Host
73% matchVery Positive95% of 58 reviews2026
Dev: HeZhiQiang
Windows
This is a short, first-person psychological horror game with VHS effects. Be careful, you are facing a terrifying being.
Why similar: Walking Simulator 32.4%, Psychological Horror 20.5%, Horror 16.6%, Thriller 10%, Adventure 7.7%
- #37 Death Motel
75% matchMostly Positive80% of 79 reviews2024
Dev: Playstige Interactive
Windows
Death Motel is a short, intense first-person horror experience about the paranormal events occurring at abandoned Crimson Motel.
Why similar: Walking Simulator 37.9%, Horror 19.7%, Psychological Horror 17.5%, First-Person 13.1%, Adventure 10.7%
- #38 White Room Protocol
73% matchMostly Positive78% of 55 reviews2025
Dev: Lefto Studio
Windows
A psychological first-person horror game where you enter a memory-erasing protocol and relive a trauma. Uncover dark secrets, and experience fear through immersive atmosphere.
Why similar: Walking Simulator 25.9%, Psychological Horror 16.6%, Thriller 15.4%, Horror 13.1%, Supernatural 8.2%
- #39 The Holiday Story
72% matchMostly Positive73% of 103 reviews2025
Dev: JustTomcuk
Windows
The Holiday Story is an indie horror game about Christmas and New Year, set in the 80s.
Why similar: Walking Simulator 27.8%, Psychological Horror 16.3%, Thriller 13.5%, Horror 13.1%, First-Person 10%
- #40 My Sleeping Girlfriend
70% matchVery Positive95% of 116 reviews2025
Dev: Fancy Dog Games
Windows
Your girlfriend’s sleepwalking is getting worse each night. Find her and bring her back to bed safely.
Why similar: Walking Simulator 29.2%, Thriller 21%, Psychological Horror 19.1%, Horror 15%, First-Person 9.9%
- #41 Nocturia The Game
72% matchMostly Positive75% of 52 reviews2025
Dev: BrossLab
Windows
Trapped in total darkness, you’re a helpless kid, alone and hunted by something lurking in the shadows. Solve puzzles, navigate shifting rooms, and uncover creepy secrets. Your worst nightmares are real. Can you make it through the night?
Why similar: Walking Simulator 23.6%, Thriller 16.6%, Psychological Horror 15.2%, Supernatural 11.8%, Horror 11.7%
- #42 The Empty Eyes
70% matchVery Positive80% of 56 reviews2026
Dev: 99 Grados Games
Windows
The Empty Eyes is a first-person psychological horror experience that immerses you in an investigation steeped in mystery. Every step inside the house brings you closer to a hidden truth, while tension mounts and fear takes root in your mind.
Why similar: Psychological Horror 20.9%, Thriller 19.9%, Horror 17.2%, Hidden Object 14.3%, Walking Simulator 12.1%
- #43 Curse of Anabelle
74% matchMixed64% of 135 reviews2020
Dev: Rocwise Entertainment
Windows
Curse of Anabelle is a story driven adventure-horror/puzzle game which players can experience in the first person perspective. The storyline is based on real world myths and legends.
Why similar: Adventure 37.5%, Walking Simulator 19.4%, Indie 14.1%, Horror 13.3%, First-Person 9.8%
- #44 Faint Call
71% matchMostly Positive74% of 143 reviews2024
Dev: KY XEPub: Darks Zone
Windows
Faint Call is a psychological horror game about a police officer investigating a distress call from someone at a notoriously cursed house.
Why similar: Walking Simulator 35%, Horror 14.6%, Psychological Horror 14%, First-Person 12.9%, Supernatural 8.9%
- #45 Horror Globes
71% matchVery Positive91% of 96 reviews2020
Dev: islaOliva Games
Windows
On Halloween night, an 8-year-old boy sneaks onto an elderly woman's property to find her secret homemade treats. Soon he will discover some macabre events that will be repeated in his head forever.
Why similar: Horror 39.7%, First-Person 23%, Atmospheric 15%, Adventure 13.7%, Psychological Horror 4.9%
- #46 Evil Holiday
69% matchVery Positive80% of 216 reviews2024
Dev: REVVALUTION Studio
Windows
Returning to parents' house for Christmas and a regular holiday dinner turns into a bloody hell filled with horror and death.
Why similar: Walking Simulator 33%, Horror 15.8%, Hidden Object 15.8%, Simulation 13.5%, First-Person 12.4%
- #47 Zemblanity
71% matchVery Positive87% of 77 reviews2022
Dev: XenOxygen
Windows
Zemblanity is an atmospheric first-person horror game. What seemed like a little creepy invitation over from an old childhood friend turns into disturbing uncovering of mysterious forces ruling in the mansion. Will you find a way out?
Why similar: Hidden Object 26.3%, Psychological Horror 17.3%, Walking Simulator 17%, Horror 15.2%, First-Person 9.9%
- #48 You’ve Got a Package
68% matchMostly Positive77% of 186 reviews2025
Dev: REVVALUTION Studio
Windows
You are a young and talented writer. One evening, someone leaves a mysterious box on your doorstep. What’s inside will turn your life into a living nightmare...
Why similar: Walking Simulator 20.9%, Psychological Horror 19.3%, Hidden Object 16.7%, Horror 15.9%, Supernatural 8.3%
- #49 Dead of Night: Supermarket
69% matchMostly Positive71% of 63 reviews2025
Dev: SilverMoon Studios
Windows
Experience the dread of a midnight shift in a quiet supermarket. As mundane tasks blur with eerie events, discover that the darkness hides more than just silence.
Why similar: Walking Simulator 30.1%, Psychological Horror 18.9%, Horror 14.6%, Thriller 13.5%, First-Person 10.4%
- #50 Home_0
69% matchMostly Positive76% of 83 reviews2024
Dev: Mike Ten
Windows
You are trapped in a memory of your past. Observe your surrounding carefully to end your nightmare.
Why similar: Hidden Object 28.3%, Walking Simulator 26.4%, Psychological Horror 16.6%, Horror 11.6%, First-Person 6%
- #51 Grandma, Is That You?
67% matchVery Positive81% of 121 reviews2025
Dev: Montee Games
Windows
“Grandma, Is That You?” is a psychological horror game. As we visit our elderly and ill grandmother to help her, the old mansion reveals buried memories and dark secrets. The line between reality and illusion begins to blur.
Why similar: Walking Simulator 33.7%, Thriller 15.7%, Supernatural 13.3%, First-Person 11.9%, Psychological Horror 8.5%
- #52 Cursed Bet
70% matchMixed58% of 98 reviews2024
Dev: LIGHTWORKER GAMES
Windows
Cursed Bet is a horror game where you play from a body camera perspective. Enter the abandoned preschool, the subject of terrible rumors, in the midnight. Struggle the cursed doll Ebeleen as you investigate the school's dark past. Will you be able to destroy him and his curse?
Why similar: Thriller 17.1%, Supernatural 16.6%, Horror 14.9%, Psychological Horror 14.5%, First-Person 11.8%
- #53 Is Simon There?
68% matchVery Positive85% of 368 reviews2022
Dev: Stanislaw TruchowskiPub: TurnVex
Windows
Median: 1.3 hrsMean: 1.9 hrs≥1hr: 64%
A few months have passed since the death of my son, Simon. Ever since that tragic day, I find myself falling into the darkest emotions I could ever imagine. I am haunted everyday with what I have done; But sometimes, I am haunted by more than just my emotions...
Why similar: Walking Simulator 30.6%, Psychological Horror 23.2%, Thriller 19.8%, Horror 18.5%, Atmospheric 4.8%
- #54 Among the Sleep - Enhanced Edition
68% matchVery Positive89% of 8,178 reviews2014
Dev: Krillbite Studio
Windows · Mac · Linux
Median: 3.0 hrsMean: 4.0 hrs≥1hr: 85%
Among the Sleep: Enhanced Edition is a new and improved version of the award winning first person horror adventure. In the game you play as a small child trapped in a weird nightmare where you go looking for your mom.
Why similar: Horror 39.8%, Walking Simulator 17.7%, First-Person 13.5%, Psychological Horror 8.8%, Atmospheric 7.2%
- #55 Water Boiling Simulator
66% matchVery Positive95% of 61 reviews2026
Dev: wolfyer
Windows · Linux
It's 2016. Explore through your house in the middle of the night and complete your chores before the water you put on the stove starts boiling. Sounds easy, right? If only you hadn't seen things you were not supposed to see.
Why similar: Psychological Horror 28.5%, Hidden Object 24.3%, Horror 23.8%, First-Person 18.4%, Atmospheric 3.2%
- #56 Night Grove
67% matchMostly Positive76% of 152 reviews2024
Dev: Admia
Windows
This is a first-person indie horror game. A young deliveryman took an unusual order that led him to Night Grove. This place has a dubious reputation among the townspeople, because for many years it has been sent to live with people that society has long since abandoned.
Why similar: Hidden Object 21%, Psychological Horror 20.2%, Horror 14.4%, Thriller 12.7%, First-Person 11.4%
- #57 Greed Stays Home
65% matchVery Positive91% of 235 reviews2025
Dev: Yellow Basement Games
Windows
A horror walking sim that emphasizes atmosphere, tension, fear, and immersive storytelling, all heightened by well-timed jump scares. The game takes place in a village frozen in time, stuck somewhere in the mid-20th century.
Why similar: Walking Simulator 32.4%, Psychological Horror 20%, Horror 15.4%, Supernatural 15.1%, First-Person 9.4%
- #58 Witch's Doll
66% matchVery Positive87% of 270 reviews2024
Dev: Elite Lords Studios
Windows
Witch's Doll is a first-person psychological horror game with realistic graphics. Beware, something is lurking in the dark. Get ready for intense jumpscares.
Why similar: Walking Simulator 27.8%, Psychological Horror 17.8%, Horror 13.5%, First-Person 10%, Supernatural 9.6%