Open "Run" on Windows: Press the Windows key and "R" at the same time.
The "Run" window will open. Type appdata and press Enter.

Navigate to the AppData Folder. This will open the AppData folder.
Go to: LocalLow > Kinetic Games > Phasmophobia.
Copy your SaveFile to your desktop.

Use the Es3.lol Website:

On the Es3.lol website, click on the button labeled "Known game password".

Choose Phasmophobia and select "Use".

Under "Decryption," choose the SaveFile you just copied to your desktop and click on "Download decrypted save file."

Modify the Save File: The decrypted save file will be downloaded. Open it.
You can now modify various settings in the file: Increase Money.
Find Playersmoney and set the value to your desired amount (e.g., value: 999.999).

Increase Level:

Find Newlevel and set the value to your desired level (e.g., value: 99). Save the Changes.
After making your changes, save the file to your desktop

Encrypt the Save File:
Return to the Es3.lol site and select the modified file under "Encryption."
Click on "Download encrypted save file".

The downloaded file needs to be renamed to "SaveFile."
Replace the SaveFile: Once renamed, copy the file and place it back in the Phasmophobia folder
(where the original SaveFile is).