PUBLISHED · SELECTED CLUBS · PARTIAL COVERAGE
Compare starting budgets
Opening-career snapshot · 29 June 2026 · FM27 27.0.0+2486695 · Approximate EUR · Annual wages
Selected clubs only: 3 in Germany. This is not a complete league table. Check your own career before spending.
Scroll sideways to compare all wage columns.
| Club | Starting transfer funds | Total annual wage budget | Annual wage spending incl. bonuses | Annual wage headroom (calculated) |
|---|---|---|---|---|
| Bayern Munich | ≈ €35,000,000 | ≈ €319,997,000 | ≈ €302,679,000 | ≈ €17,318,000 |
| Borussia Dortmund | ≈ €15,000,000 | ≈ €156,874,000 | ≈ €148,976,000 | ≈ €7,898,000 |
| Schalke 04 | ≈ €1,500,000 | ≈ €35,518,000 | ≈ €33,288,000 | ≈ €2,231,000 |
Plan the window around both budgets
Compare the resources for immediate improvement with the room needed to retain and renew developing players.
A transfer allowance does not cover every cost of a signing. Allow for wages, signing payments, agent fees, instalments and contract rises. A free transfer can still use substantial annual wage room. Registration and player interest remain separate checks.
Find budget transfer targets → · Compare free-transfer candidates → · Estimate recruitment reach →
Source, calculation and limits
These are recorded figures from one starting career, not guaranteed budgets for every setup. The finance decoder and currency conversion were checked against the exact annual wage figures in a separate saved career and its FM27 Finance screen. Each club below is read from its own current finance record; it was not individually checked on screen.
The starting snapshot is dated 29 June 2026. Current finance records are joined by the club’s persistent database ID. We use the remaining transfer-funds field, not bank balance or monthly history. The observed opening transfer fields agree in this snapshot.
Stored weekly wage budgets and spending are multiplied by 52. Approximate euro amounts use a conversion of 1.164101125, calibrated against both the exact annual budget and annual spending displayed for Fenerbahçe in a saved career dated 12 July 2026. Wage spending follows the game’s figure including bonuses. Annual headroom is calculated as budget minus spending; negative values remain negative.
The source career’s complete loaded-league and board-expectation settings were not independently recorded. Use these as comparative starting observations, not a promise that another new career will reproduce every figure.
A zero shown in the table is a recorded zero or a calculated zero. Clubs without readable finance records are omitted rather than assigned zero. Database updates, start date, enabled leagues, board choices, existing commitments and budget adjustments can change your career’s figures. Check the Finances screen before making an offer.