WikiFinances
Success on the pitch starts with the bank balance. Optimise income and control expenses and you can invest – overreach and you'll be selling stars.
Overview
The overview shows your balance and the daily balance of recent days – so you can gauge where your wealth is heading. The key figures help you assess things:
- Cost coverage should be over 100%.
- Wage coverage (sum of the two figures) as close to 100% as possible.
Income
The biggest items are usually ticket sales (see Stadium) and sponsors. Optimise both actively – a full stadium at good ticket prices plus regular sponsorship opportunities are the foundation. On top of that comes the season-ticket sale at the start of each season: it pays out the tickets for all league home matches up front in one go – a predictable cash cushion before the first ball rolls.
Expenses
Keep an eye on unexpected outgoings. A high share of appearance and goal bonuses means strong success-dependence and can get expensive on a good run. Aim for a sensible mix of base wages and bonuses.
Taxes
At season end a wealth tax is due (currently around 12% on your wealth). Sitting on a huge pile of cash at season end means giving part of it away – it pays to invest capital sensibly in squad, youth or stadium.
Slush fund
Besides the club account there's the slush fund – a special budget for special things (e.g. unlocking PSD details or ad-free packages). It is separate from the regular club wealth.
Save first, then invest: don't go into the red before the next star arrives. And plan for the season-end wealth tax instead of hoarding unused capital.
The finances screen: account history, forecast and comparison
Besides the balance, the overview shows today's and yesterday's daily balance, the balance of the current season and the account history since day 1 as a curve. Below it the forecast does the maths: the average of your recurring items (wages, bonuses, attendance, sponsors, club grounds, loan instalments, renovations) is projected onto the remaining days of the season. Transfers, stadium construction, TV money and competition prize money are deliberately left out – they come in bursts and would distort the projection. The third tile shows the wealth tax that would be due on the projected end-of-season balance.
- Trend · 5 seasons: green bars for income, red for expenses, the balance above. Tapping a season opens its season statement.
- You vs. league Ø: income, expenses, wages, attendance, sponsoring and transfer balance compared to the average of all clubs in your league – as of today, so fair for everyone because all have the same number of season days behind them.
- Income and expenses: the tabs show the total, the average per day and the projection to 50 days. Each category expands: sub-items (for example main sponsor, stadium sponsor and kit supplier, or the three grounds facilities), the trend over 5 seasons and the league average with the deviation.
Daily and season statements
You always see today's and yesterday's statements. Older daily statements are unlocked individually (650) or for a whole season (18,500) from the slush fund; completed season statements cost 5,000 each. Every statement shows income, expenses and balance as tiles, the shares as bars and the bookings by category – on match days including the opponent.
The forecast is a projection, not a promise: a transfer or a construction project shifts it immediately. Use it to see whether your everyday business (wages against attendance and sponsors) carries itself – and how much wealth tax awaits you at the end of the season if you leave the money lying around.
Loans
You can finance stadium expansion and club grounds via a loan. You take out the loan directly in the expansion dialogue (Financing: Loan) – the money goes entirely towards the expansion and never ends up as free funds in your account.
- Limit: up to 30 million for stadium blocks and 5 million for the club grounds, in each case as the total outstanding loan amount. Every further loan-financed expansion is added to the running loan: there is always only one loan and one instalment per type, only the term grows (four blocks of 3 million each = one loan of 12 million at 100,000 per day).
- Surcharge: 10 per cent of the loan amount (a loan of 30 million will be repaid as 33 million).
- Instalment: 100,000 per day for the stadium, 50,000 per day for the surrounding area – automatically deducted from the club’s account every morning; with the credit limit fully utilised, this amounts to around 6 and 2 seasons respectively. The instalments continue even if the club does not currently have a manager.
- Mixed financing: If the available credit limit is insufficient, you pay the remainder from the club’s capital.
- Prerequisites: The account must not be in the red and the club must not be in debt. Renovations are not eligible for a loan.
- Early repayment: In the finances section, you can pay off any loan at any time – in which case you only pay the outstanding balance without the surcharge.
- Change of club: The loan belongs to the club. Anyone who leaves passes the instalments (and the stadium) on to their successor; the outstanding balance is visible in the transfer market and the club information.
A loan is worth taking out if the new seats or facilities generate more revenue than the instalments cost – factor in capacity utilisation and ticket prices before you draw down the full limit.
TV money
On the first day of each new season the league association pays out the TV money for the finished campaign – promoted and relegated clubs are already settled in their new league. The amount combines 60% position, 25% squad strength and 15% tradition and moves within these corridors per tier (rounded to 100,000):
| Tier | Corridor |
|---|---|
| League 1 | 12.0 – 20.0m |
| League 2 | 8.0 – 11.5m |
| League 3 | 5.5 – 7.7m |
| League 4 | 3.5 – 5.2m |
| League 5 | 2.2 – 3.3m |
| League 6 | 1.4 – 2.1m |
How your amount is calculated
Within the corridor: amount = corridor minimum + score × corridor width. The score (0–100%) combines three categories – the payout system mail lists all three values for your club:
- Position (60%): your final position last season, scaled to the league size – the champion gets 100%, the last-placed team 0%. Promoted clubs start in their new league at 0% (base rate), relegated clubs at 100% (top rate as a "parachute") – relegation is cushioned financially, and a promoted club never overtakes an established club of its new league.
- Squad strength (25%): the strength of your top eleven compared to the clubs of your (new) league. It is measured between the lower and upper edge of the league, with the most extreme outliers (10% at the top and bottom) counting as the edges: among the strongest you get 100%, at the lower edge 0%.
- Tradition (15%): your average league tier over the last five seasons compared to your current league. Staying in the same tier means 50%. A club that played higher for years and now starts lower gets up to 100% – a freshly promoted club without a past in the new tier starts at 0%. Differences of more than one tier don't count extra.
Example: a second-division club finishes 4th of 16 (position 80%), has average squad strength (50%) and has held its tier for years (tradition 50%): score = 0.60 × 80% + 0.25 × 50% + 0.15 × 50% = 68% → 8.0m + 0.68 × 3.5m ≈ 10.4m.
The corridors never overlap – a second-division club can never receive more TV money than a first-division club. Computer-run clubs receive TV money too: it sits there as a cushion in case you take over such a club later.
In the competitions area the live TV money table shows every day what your club would earn if the season ended today – including promotion/relegation projection (↑/↓).