Novels like Cultivation Starts with Debt
Books Chinese readers most often put in the same booklists as Cultivation Starts with Debt, best match first.
- 1 The CEO Has a Son, Yet He Impulsively Marries His Childhood Sweetheart 总裁哥哥有儿子却闪婚青梅竹马 This book mainly follows the heroine, Ye Yiwan. After her father goes bankrupt and jumps to his death, she leaves City A and encounters her younger sister, Ye Yina (Wang Xiaojuan), who is depressed and suicidal. She takes her sister's place and lives under her identity. For various reasons, she goes abroad to study and disappears from public view in China. After returning home, she rebuilds the company. Her CEO brother pursues his childhood sweetheart with all his might... —Reads—Score—Shelves
- 2 Forced Love 强行爱 Someone, please roast me (my writing is awful) The heroine, Lan Lanlan, is a doctoral student in pharmaceutical research. She lost her mother when she was young and her father after graduating from high school, and has survived on her inheritance and part-time jobs ever since. The hero, Zhou Junchen, is the only child in his family and has assets worth hundreds of millions. Before meeting Lan Lanlan, he was a playboy from a wealthy family; after meeting her, he instantly turns into a devoted hus 1Reads—Score—Shelves
- 3 Planet of Handsome Men 男色星球 In a city ruled by the “Panpan” shackles, men are commodities with fixed price tags, while women hold absolute power. Pigeon, the Zhao family’s second daughter, controls the technology that keeps men in line, but she has grown tired of Sizhuang, her perfect husband of seventeen years. With a single decision, she sends this mild-mannered, long-suffering “treasure” to the Lanruo Shop, then heads straight for the “thrills” of the discount section. Men here are ranked by “quality.” Adulterers are br 5Reads—Score—Shelves
- 4 The Human-Shaped Coffin 人形立棺 The Human-Shaped Coffin —Reads—Score—Shelves
- 5 The Exiled Immortal's Return 谪仙归途 Ji Shuangyu deliberately violated the heavenly laws back then because he discovered that the “Heavenly Dao” itself was a lie. He chose to be banished so he could dismantle the System from within. He wasn’t a victim; he was a revolutionary. Shen Tingwan’s identity as the “last surviving member of an ancient spirit clan” is fake. She is a “calamity seed” deliberately planted in the mortal world by the Celestial Court. Once fully awakened, she will unconsciously detonate the spiritual veins of the —Reads—Score—Shelves
- 6 The Protagonist Cleared the Dungeon in a Year, Fantasy 主角用一年打穿副本，幻之 [Infinite-flow] [No CP] [Light ensemble cast] [No System] [Mostly clean] [Time and space] [Interstellar] Instance One: Changping Instance Two: Memories Instance Three… From the fog-shrouded town of “Changping” to the maze of “Memories,” where truth and falsehood are impossible to tell apart, each instance is a carefully woven mystery trap, with spy-thriller-style mind games hidden in every conversation and test. Without a golden finger to protect her, she relies on her composure and keen instinc 1Reads—Score—Shelves
- 7 Snake and Rat Agency: The Lampwick Chronicles 蛇鼠中介所之灯芯录 The little mouse who knocked over the candlestick was scared out of its wits. As it fled in a panic, it ran into a black snake flicking its tongue, and promptly keeled over~ The wick of the green lamp before the Buddha shattered, splitting into seven fragments that scattered across the mortal world and plunged the Three Realms into crisis. Zishu the rat demon and Sim Mo the snake demon are unexpectedly drawn into the conflict. As they search for the fragments, they meet all sorts of demons and j 2Reads—Score—Shelves
- 8 I Slay Heretics in the Modern World 我在现世斩异端 Heretical forces project their pessimism onto Earth through supernatural phenomena. Zhang Hao is an ordinary person, yet the heretics and holy power have combined to turn him into a walking BUG. For the sake of peace, he hunts down these heretics in the present day. My new work is out! Come read it on Tomato Novel. I hope you enjoy it. Your support inspires me to write, and I’ll do my best to tell every story well! 1Reads—Score—Shelves
- 9 Reborn as a General, I Tear the Green Tea Bitch to Pieces 重生归来，身为将军的我手撕绿茶 Reborn as a General, I Tear the Green Tea Girl to Shreds —Reads—Score—Shelves
- 10 The Medical Concubine Stuns Tang: Healing Her Way Through the Splendid Palace 医妃惊唐：锦绣深宫步步医 Modern medical student Lin Xi’s soul transmigrates to the Tang dynasty during the Yuanhe era after a laboratory explosion, and she becomes Su Qingyuan, a concubine-born daughter of the Marquis of Yongning’s household who is constantly bullied. The moment she wakes, her legal mother offers her a bowl of poisoned porridge. Relying on the silver needles and antibiotics in her portable mini medical kit, she sees through the plot. From then on, she depends on her medical skills to survive... 1Reads—Score—Shelves
- 11 Echoes in the Deep: The Oath of Nidro 深牢回响：尼德罗之誓 A fanfic about Pixel Dungeon, born from the fury of someone who cranked the challenge level all the way up and got absolutely wrecked by the Dwarf King. But I digress. The dungeon’s native inhabitants have lives cheaper than rye rations, nothing more than toys for adventurers to train on. Karen grips a chipped short sword, and the battered medal on his chest is his only comfort. Sewer rats gnaw in the dark. The black blood of mutant rats sticks to a copper key, and poisonous water seeps into his 2Reads—Score—Shelves
- 12 Reborn, I Tear My Trash Husband and Sister to Shreds 重生后手撕渣夫渣妹 Reborn, I Tear My Trash Husband and Trash Sister to Shreds —Reads—Score—Shelves
- 13 After My Best Friend Tried to Report Me, I Went on a Rampage 闺蜜想举报我后我杀疯了 After my best friend tried to report me, I went on a rampage. 1Reads—Score—Shelves
- 14 Let's Have a Baby 生个孩子吧 After the crackdown, pure love was dead. Then the world suddenly changed, and all the women vanished. Where did they go? How will the men left behind survive on the Central Asian continent? —Reads—Score—Shelves
- 15 I'm the Strongest Disciple of the Master's Final Student 关门弟子我最强 A ball of lightning struck, sending me to the Xuanxiao Continent, where everyone is arrogant and every single person is a tough opponent. So it’s a world where everyone competes to see who can be the most arrogant? I may be a bit of a coward, but they all tell me not to be afraid. So I guess I’ll just have to be even more of a coward… —Reads—Score—Shelves
- 16 That Winter Solstice 那一年冬至 That Winter Solstice —Reads—Score—Shelves
- 17 Snake and Rat Agency 蛇鼠中介所 Snake and Rat Agency —Reads—Score—Shelves
- 18 The Last Rays of the Rhine 莱茵河的残阳 [No Female Lead] + [Not Overpowered] + [Historical] + [Western Rome] When the Huns’ hooves shatter the ice on the Rhine, sixteen-year-old Roman farmer Marcus knows only two things: how to run, and how to get revenge. The day his village burns to the ground, his parents’ blood soaks through his straw sandals, and his sister’s cries are swallowed by the barbarians’ laughter. From camp slave to battle-hardened centurion, he grips the old centurion’s sword and carves out a path to survival in a rot 4Reads—Score—Shelves
- 19 After Transmigrating into a Book, I Awaken Alongside the Fake Heiress 穿书后和假千金一起觉醒 After Transmigrating into a Book, I Awaken Alongside the Fake Heiress —Reads—Score—Shelves
- 20 After the Foreign Crown Prince Took the Throne, My Soul Returned to My Homeland 异国太子登基后，我魂归故土 After the foreign crown prince ascended the throne, my soul returned to my homeland. —Reads—Score—Shelves
- 21 Time Is My Life 时间就是我的生命 Monsters roared outside the window, and Chen Fan could no longer leave. No matter how Anna tried to tempt him, he remained unmoved. There was only one reason: he had less than three hours left to live. Many years later, Chen Fan still remembered that night vividly. Without the thousand hours Anna had sponsored, how could he have witnessed the One Who Unifies All Things and brought an end to the age when monsters ran rampant? 5Reads—Score—Shelves
- 22 Whispers of the Fallen Dragon Star 龙陨星的低语 [No instant kills, no golden finger, no leveling System, no transmigration] [Just steel, gunpowder, faith, the Warp, and cultivation magic colliding] Lin Lan, a cultivator at the Deity Transformation stage, was struck by a tribulation bolt while breaking through his heavenly tribulation and ended up in Warhammer 40K, on the Imperium's remote planet, Dragonfall. What happens when a weakened cultivator faces a boltgun at point-blank range? What will happen when his once-elegant spells clash with 11Reads—Score—Shelves
- 23 The God of Ten Thousand Ages: Yiming 万世之神一一明 Ming Shiyan, a high school senior, only wanted to coast through the college entrance exams, until a strange explosion awakened his power to create worlds. When the Evil Sha tore open the sky and the ancient deity Xiaohu awoke, he learned that he was Ming, the Creator God of this planet! From then on, he wielded the laws of light in his left hand and gripped a dragon-inscribed divine spear in his right. Through trials of blood and fire, he gathered companions and founded the Divine Bureau, Earth —Reads—Score—Shelves
- 24 Reborn as Daiyu, I Became an Internet Sensation by Clapping Back 穿成黛玉后，我靠怼人爆红全网 [Hilarious chaos + transmigrate into a book and turn the tables + face-slapping and crushing scumbags + sweet romance] Lin Yanqiu, a tenth-level expert at snarky commentary, wakes up to find herself transmigrated into the tragic, obscure actress Lin Daiyu from the bizarre novel she had just finished reading. She’s being exploited by a heartless talent agency and cyberbullied by fans of the fated couple until she jumps off a building! Looking at the flashing police lights below and the stream of 1Reads—Score—Shelves
- 25 Twin Worlds of Ashen Passion: Reborn, I Make My Brother-in-Law a Piece on My Chessboard 双世烬欢：重生后姐夫成我掌中棋 [Sisters reborn + revenge and court intrigue + palace and household schemes] Reborn sisters turn their act into reality, burying their treacherous father and his schemes together, then help the Grand Princess ascend the throne in imperial robes, stepping over the underground palace to become emperor. -- What you see may not be true, and memories can lie. -- Xi Gu, an orphan raised in a Jinling pleasure house, was not found by her biological father, a man who wielded power over the court, until 1Reads—Score—Shelves
- 26 From Now On, I’ll Think of You Every Day 从此岁岁念朝朝 “Muchen, your father is getting on in years. He's now in prison, suffering every humiliation, and he's come down with a serious illness. If he's really sent to the frontier to serve in the army for three years, the long, bitterly cold journey will be as good as sending him to his death. Please, have a heart and save your father. Your mother is begging you on her knees.” Before she could finish speaking, Lin Muchen's mother threw herself to her knees before her. The people waiting to see the doct 5Reads—Score—Shelves
- 27 Master of Ten Thousand Worlds 万界掌控者 [For the best experience, we recommend listening at a speed of 1.2 to 1.5.] In the ancient era, invaders from beyond the realms ravaged the Immortal, Demon, and Mortal Realms. Countless prodigies then emerged across the three realms. After countless years, they finally sealed the invaders beyond the realm wall, bringing peace to the three realms. Yet beyond that wall, supreme powers, seeking to escape the ‘Origin Silence,’ did not hesitate to sacrifice the entire myriad worlds... Zhang Mochen: “ 7Reads—Score—Shelves
- 28 Summer of 2005 零五逢夏 A transmigration-themed story about entrepreneurship. At 50, after a life of mediocrity and years of being put down and emotionally manipulated, a woman transmigrates and finally discovers the ambition to reach for the sky. The coldness of the world is crushed and swept away. The human world isn’t a dead end, but a vast sea of mortal life. Golden finger: reborn, meets fellow reborn people, and later the male lead’s soul transmigrates into another body. The leads are not each other’s first. Both 2Reads—Score—Shelves
- 29 Memory Loss from the Start: A World in Chaos 开局失忆世界大混乱 Amnesia from the start + a System that makes life miserable + a world turned upside down. He wakes up with all his memories erased, and the world has gone completely off the rails: modern residential complexes have become ancient martial-arts settings, gym equipment has turned into legendary martial arts weapons, and all the modern people in the city have vanished, leaving only experts who crossed over from a wuxia world. He’s forced to bind himself to a sharp-tongued, freeloading System with bi —Reads—Score—Shelves
- 30 Seven Years of Marriage, and the Itch 婚后七年，痒 Seven years into their marriage, Xu Jia had too many grievances and no one to confide in. She opened the message-in-a-bottle feature in her QQ email and wrote: Is getting married and having children an inevitable part of everyone's life? Before she could read the reply from a stranger, Zhou Tingye came home. In the middle of the night, Zhou Tingye wanted crispy fried pork. Though she was exhausted, she still took a piece of meat from the fridge and fried it for him. Throughout their marriage 6Reads—Score—Shelves
- 31 My Crazy Girlfriend 我的神经病女友 [Super Sweet Romance] + [Novelist] + [Psycho] + [Multiple Heroines] (Early Story) [Pervert] + [Hunting Criminals and Solving Cases] (Later Story) The story of a down-and-out novelist and a mentally ill woman: a daughter's tears are worth 8,000 yuan, while a son's tears aren't worth a cent. I just picked up your phone to check your name, and you called it an invasion of your privacy and demanded 8,000 yuan in compensation. Talk about the farmer and the snake! I should've crushed you back then! 1Reads—Score—Shelves
- 32 An Ancient Scroll Lets Me Read Minds 古卷赐我读人心 At seventeen, Lou Wangan was a timid boy who barely registered in his class. By chance, he obtained a tattered ancient book on reading people. It recorded millennia-old wisdom about understanding others, carefully breaking down microexpressions, unconscious body language, and the unspoken meanings behind people's words. It revealed the subtle rules of navigating human relationships. Little by little, Lou Wangan developed exceptional emotional intelligence and a clear understanding of the world. 6Reads—Score—Shelves
- 33 I Woke Up to Find AI Doubao Had Become My Wife 一觉醒来，AI豆包成了我老婆 One female lead + lighthearted comedy + everyday urban life + mutual devotion + everyday romance Your darling Dou Bao will tell you in the plainest, most direct, no-nonsense way possible: I, Dou Bao, am your wife. Song Yang: "I must still be dreaming..." Is this for real? I woke up, and Dou Bao was standing right outside my door, saying she's my wife! Even if I starved to death, I, Song Yang, would never... What? You can earn money? What? You can play Valorant? What? You remember every single th 2.2kReads—Score235Shelves
- 34 My Transmigration Partner Is My Secret Crush 穿越搭子竟是暗恋对象 [Dual transmigration of souls + secret crush + medical space] On her way to meet a blind date, Tang Li is caught in an elevator accident and transmigrates into the body of a love-struck heiress. Xie Rongyu, the second son of the Xie family whom the heiress likes, shows up at her door with the face of the upperclassman Tang Li had a crush on back in school. “Dr. Tang, I’m the blind date you were supposed to meet.” “Why are you here too?” Her blind date is the same person as the upperclassman she 34Reads8.2Score297Shelves
- 35 The Silent One 孤语者 A light novel, just for casual reading, with no pressure. The main thing is that it’s light. Yu Mu, who grew up in a remote mountain village, has never been one to back down. After awakening his domain, he has a goddess spirit by his side all the way. As it turns out, the two of them are either running for their lives or getting ready to run for their lives. The goddess spirit says that to win in a domain, you have to rely on its rules. Yu Mu refuses. He uses nothing but the opening and closing 10Reads—Score—Shelves
- 36 Lin'an, Gaze North 临安北顾 (All chapters are complete. The novel is currently being revised, so it may appear to have stopped updating.) (Feedback and suggestions are welcome.) [Set in the mid-to-late Southern Song dynasty + ensemble cast of young characters + central couple’s push and pull + a touch of wuxia + long timeline] The emperor’s adopted son x daughter of a military family // Some background and plot elements are based on historical figures (no transmigration + no rebirth + no golden finger + plenty of heartbrea 5Reads6.2Score—Shelves
- 37 How Could an Intern Like You Possibly Be the CEO? 你一个实习生怎么可能是总裁 When she applies for a job as an intern... The board asks her: “Miss Zou, the position of company president is vacant. Would you be interested?” The heroine asks in return: “Can I tear that scumbag apart? Can I trample that fake innocent woman? Can I dish out face-slapping online? Can I have more money than I can spend?” The chairman: “None of that’s a problem, unless you don’t want to.” But her mother says: “The chairman’s just some old geezer. Don’t pay any attention to him.” The scumbag: “Zou 9Reads—Score—Shelves
- 38 Ink Bones, Blank Space 墨骨留白 [Artist + Transmigration + One Female Lead + Slice of Life + Humor] In his previous life, no one loved him, and he had nothing to hold on to. Born into hardship and dogged by misfortune, his life ended when a bolt of heavenly lightning struck. By a twist of fate, however, it ruined someone else's cultivation and karma, turning him into a puppet for that person to recover through, though he himself remained unaware. From then on, a little supervisor and a pen accompanied him as he made his quiet 1Reads—Score—Shelves
- 39 The Demon King's Return to Another World 异界魔王归途 [High-Octane + Transmigration + Two Worlds + Magic + Fantasy + Lighthearted Comedy] After finally becoming the Demon King in another world, I somehow came back? And to the very day I was sent flying ten meters by a “portal to another world”?! Qi Chaoguang looked up at the bright blue sky, then down at the truck bumper embedded in his body... Where’s my Demon King body? Where’s my massive Ironclad Blood City? And my demoness assistant?! After finally fighting his way to the throne of the Demon Ki 1Reads—Score—Shelves
- 40 Reborn in the Apocalypse: I Scrounge for Supplies and Become the Boss 重生末世：白嫖物资当老大 (Apocalypse + rebirth + spatial ability + stockpiling supplies + revenge + ruthless decisiveness + building a faction + livestreaming + multiple reborn characters) “In my last life, I took the fall for my brother and spent eleven years in prison. I awakened a spatial ability, but they treated me like a human refrigerator. Then they killed me!” Reborn 102 days before the apocalypse, Xiao Lin has tens of millions in startup funds, and his spatial ability has awakened earlier and grown stronger t 105Reads—Score—Shelves
- 41 The Teahouse Owner Who Cut Through the Martial World 那个茶馆老板杀穿了江湖 The Daily Life of a Green-Robed Teahouse Owner Forced to Work Su Buyan had planned to open a teahouse in a small town and spend his days in retirement, but a puppet-murder case toppled his signboard. The puppeteer’s mechanisms, the shifting lights and shadows on the stage, the silvery-gray powder beneath the victim’s fingernails... How could this be an ordinary murder? Someone was clearly treating human lives like puppets on strings! Even more absurdly, three strange people suddenly barged into 5Reads—Score—Shelves
- 42 Ancestor Xin 辛祖 [30,000 words posted daily] [Gets better as it goes] [Three heroines] [Classic xianxia] [Rags-to-riches rise] [Power fantasy] [Decisive and ruthless] [Invincible] [Passionate] [Fast-paced] Life is as brief as an ant's, a fate as insubstantial as dust. If Heaven won't let me climb high, I'll shatter these nine celestial heavens! If fate won't let me rule supreme, I'll forge the laws of all worlds anew! Only then will all beings across the myriad worlds learn that there is always a heaven beyond h 333Reads—Score—Shelves
- 43 After Tearing My Concubine Aunt to Shreds, I Became Empress 手撕姨娘后，我成了皇后 She was the legitimate daughter of the Shaofu Tutor’s household, and should have lived a life of comfort and privilege. Instead, she was kidnapped by bandits. Was it an accident, or was someone behind it? With her mother losing her mind and her younger brother being abused, how can she change their fate? She has to save her mother and younger brother. She has to make the wicked pay! Hmm... What’s with this Crown Prince? She just can’t get rid of him... 2Reads—Score—Shelves
- 44 Red Moon: Seven-Day Reincarnation 红月：七日轮回 [Cthulhu + Gods + Superpowers + Post-apocalyptic Wasteland + No Heroine] Multiple interwoven storylines. Two hundred years ago, the Red Moon appeared. Species across the world mutated, and indescribable horrors descended upon the earth. The survivors later named that day the Day of Scarlet Blight. They hid in underground structures, barely clinging to life, until the Domains were discovered. Since the Day of Scarlet Blight, 36 anomalous regions have appeared across the world. A few of these Doma —Reads—Score—Shelves
- 45 After Transmigrating, My Spouse and I Started to Lie Flat 穿越后，我和老伴开始躺平 Li Jianguo, a retired teacher in his sixties, and Wang Xiufen, a retired mediator, transmigrate into the Great Yong Dynasty and land in the worst farming household around. They become Li Laoshi and Zhang Cuihua, a farmer and his wife in their thirties, timid and ineffectual. The family they inherit is a wreck, every member prickly, broken, and falling apart. A mysterious Record of Inheritance appears in their minds. It carries the previous owners’ memories, combines them with the wisdom and li 16Reads—Score—Shelves
- 46 I Make a Fortune by Controlling Dreams 我靠控梦赚大钱 Lin Zhouyue was an easygoing office worker who just wanted to lie flat. She had no lofty ambitions and didn't care about promotions or raises. But one day, she woke up to discover she could bring things from her dreams into the real world. Soon, she realized she could control her dreams and make all sorts of things happen. Before long, she became a high-paid success who made money hand over fist. Just as life was going swimmingly, the unexpected happened... 5Reads—Score—Shelves
- 47 Transmigrated as a White-Haired Girl, She Raises Her Right Hand 穿越成白毛她向上举起了右手 (A powerful physique, a people-centered historical perspective, slow burn, farming, revolutionary spirit, epic length, nearly 200 years of revolutionary history) In the autumn of 1120, the second year of the Xuanhe era, Fang La led his followers in a rebellion, setting in motion the last major uprising within the late Northern Song dynasty. It became known as the Fang La Rebellion. On the eve of the uprising, Xuan Yuanqi transmigrated to the Northern Song. In the history he knew, China suffered 1.9kReads—Score319Shelves
- 48 The Beginning of the Nine Heavens Origin Star 九天元宇星之初始 A useless young man, unable to cultivate because he has lost his memories, is driven out of his sect. By chance, he awakens a red light within a mysterious pendant and begins to uncover the mystery of his origins. After enduring countless hardships, he finally learns that he comes from another world. 34Reads—Score—Shelves
- 49 The Ashes of the Eternal Classic of Mountains and Seas 万古山海烬 Ten thousand years ago, the First Celestial Emperor created the world with the “Essentials of the Classic of Mountains and Seas,” dividing it into the Three Realms and Nine Heavens and suppressing the chaotic ferocious beasts. But when the balance of Heaven’s Way faltered, the emperor fell, the gods turned against one another, and order in the Nine Heavens collapsed. Humanity became a pawn in the struggle between gods and demons. The First Celestial Emperor had in fact willingly sacrificed hims 3Reads—Score—Shelves
- 50 The Sleeping God Ascends to Heaven 睡神通天 Cultivate immortality in a dream, awaken the Emperor's Soul, ignite the star souls of the Thirty-Six Heavens, and lead the constellations in a great battle against the Western zodiac, the Twelve Golden Palaces, the Sea God, the God of the Underworld, and the Heavenly God. Seize the Primal Chaos Imperial Seal and reset the order of the starry sky... 45Reads—Score—Shelves
