Annie's rich uncle David D'Nero issues a challenge to members of his family: to spend one million dollars as fast as possible. The one that spends the money faster and more wisely will inherit his fortune. Annie's and her cousins receive gold credit cards, and they start to frantically shop around the town.

Annie's Millions is a hidden object game. The main objective is to find and collect all the items listed at the bottom of the screen, on scenes depicting supermarkets, shops, boutiques and similar establishments filled with merchandise available to purchase.

There are four hint buttons filled with green charges at the bottom-right. When clicked, they show the position of one of the required objects. Four mini-games can be accessed with the red square button: Price Builder, Sort Items, Price Match and Price Guess. After winning any of them, they recharge the hint buttons. The games all present similar challenges, where the price of certain products has to be guessed correctly.

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