Finance

🏦 Your club has a single bank balance and a weekly finance pulse. The pulse runs once per in-game week and pays out wages (player + staff), receives sponsorship instalments, charges any loan repayments and applies stadium maintenance. On top of weekly pulses, transfer fees move money in lump sums on completion, gate receipts arrive post-match (computed from ticket pricing and stadium attendance), merchandise and TV money arrive at season checkpoints. The /game/finance page shows the current balance, the running 12-week cashflow, the wage-to-income ratio and a breakdown by category.

Stadium ticket pricing is dynamic and lives at /game/stadium → Pricing. Loans are available from /game/finance → Bank — interest is set by size (2%, or 3% above 10M) and repayment runs weekly over 26 weeks.

Healthy finance routine

Weekly: open /game/finance, check the wage-to-income ratio. Above 70% is danger zone.

Monthly: review sponsorship contracts — renegotiate the ones expiring in the next 90 days.

Pre-window: confirm you have at least 8-12 weeks of wage runway before committing to a big signing.

Per-match: glance at attendance figures.

💡Currency display is purely cosmetic. MFC Coin is the neutral virtual currency — your numbers stay the same regardless of which display currency you pick in /game/settings.

← Transfer market Board & objectives →

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Guide/Finance

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