Finances - Revision history

Gary: Proofread spelling, grammar and sentence flow.

2026-10-12T00:07:29Z

Proofread spelling, grammar and sentence flow.

Leo: Leo moved page Budget to Finances

2026-10-07T23:12:27Z

Leo moved page Budget to Finances

← Older revision	Revision as of 23:12, 7 October 2026
(No difference)

Leo at 23:12, 7 October 2026

2026-10-07T23:12:14Z

← Older revision		Revision as of 23:12, 7 October 2026
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	~~'''Budget''' is the finance view for a tower. It records cash flow, outstanding loans~~ and ~~the~~ tower~~'s asset value. Use it to check how much can still be borrowed and how construction affects the balance sheet~~.		Your finances are critical to running and operating your tower.

	~~== Tower value ==~~		You can find your budget information in the '''Budget Summary''' view shows your tower's income, expenses, and its cash flow. Use it to check how much you have spent on different rooms, on construction, and your other expenses like taxes and interest.
	~~Tower value is the total value of~~ the tower's ~~floor~~, ~~room~~ and ~~transport assets:~~

	* '''~~Floors:~~''' ~~the number of constructed floor tiles multiplied by the map's above-ground floor construction cost~~.		You can find additional financial information as well as managing your loans in the '''Loans Summary''' view.
	* '''Rooms:'~~'' each room~~'s ~~construction cost. For room types that merge into a wider room~~, ~~every base-size room instance is counted~~. ~~A burned room has no value~~.
	* '''~~Transport:~~''' ~~the transport system~~'~~s construction cost plus the construction cost of every car it contains~~.		== Budget summary ==
			[[File:Budget Summary.png\|alt=Budget Summary\|thumb\|332x332px\|Budget Summary]]
			The budget's income and expenses describe the selected period. The top shows your period's income, expenses, and net change.

			=== Recurring income and expenses ===
			Certain income and expenses are billed continuously and generates persistent income. These are listed with a ''''Projected daily'''<nowiki/>' and continuously changes your balance. Rooms that generate rent are recurring income streams. Loan interest, taxes, and maintenance costs are recurring expense streams.

	~~Elevator upgrades do not currently add~~ to ~~tower value;~~ the ~~valuation uses the original construction costs~~ of the ~~elevator and its cars~~.		The '''Projected daily''' net change describes the current recurring income rate minus recurring expenses and is what you would expect to get by the end of the day. The projected daily net change is also displayed after your account balance:
			[[File:Funds Available.png\|alt=Funds Available\|none\|thumb\|Funds Available]]

	=== ~~Room depreciation~~ ===		=== One-time income and expenses ===
	~~Only rooms depreciate~~. ~~A room starts at its full construction value~~, ~~then depreciates in a straight line~~ for ~~five in-game years until it reaches 20%~~ of ~~its original value~~. ~~It never falls below that 20% floor. Floors and transport assets do not currently depreciate~~.		Other income and expenses are one-time changes. These one-time income include cash bonuses from projects or special events, and income from visitors interacting with your tower such as paying for parking, checking out of a hotel, or using a vending machine. Other expenses include construction costs, condo evictions (due to low evaluation), or disasters.

	== Loans ==		== Loans ==
			[[File:Loan Summary.png\|alt=Loan Summary\|thumb\|Loan Summary]]
			You can take out loans to increase the amount of money available to run your tower or to plan construction.

			=== Maximum loan ===
	The maximum loan limit is the largest of the following amounts, rounded '''up''' to the next {{Game Money\|cost=100000}}:		The maximum loan limit is the largest of the following amounts, rounded '''up''' to the next {{Game Money\|cost=100000}}:

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	* 75% of the map's default starting funds.		* 75% of the map's default starting funds.

	The available amount to borrow is the maximum loan limit minus the current outstanding loan~~. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow~~.		The available amount to borrow is the maximum loan limit minus the current outstanding loan.

	~~== Cash flow and recurring income ==~~		Taking out a loan should be done when you are expanding your tower. Interest on your loans is determined by your game's difficulty and is set to 5% on normal difficulty.
	~~The budget~~'s ~~income and expenses describe the selected period. '''Projected daily''' describes the current recurring income rate minus recurring expenses. Visitor receipts, one-off sales~~ and ~~grants can improve the period's result without improving that recurring rate. [[Projects]] income requirements use the recurring operating net~~.

	~~Borrowing increases cash~~ and ~~debt; repayment reduces both~~. It is ~~shown separately from the operating result. A positive balance after borrowing does not establish that the~~ tower ~~can cover its ongoing costs.~~		=== Tower value ===
			Your total tower value is a metric to gauge how much your tower is worth and is partly used to determine how much you can borrow as a loan. The tower value is calculated by adding up all your tower's floors, rooms, and transport assets:

	~~The following examples use illustrative~~ '''~~dollar~~-~~display amounts~~'''. ~~They explain~~ the ~~arithmetic, rather than promise particular rents or visitor numbers~~.		* '''Floors:''' the number of constructed floor tiles multiplied by the map's above-ground floor construction cost.
			* '''Rooms:''' each room's construction cost, minus any depreciation. A burned room has no value.
			* '''Transport:''' the transport system's construction cost plus the construction cost of every car it contains.
			Upgrades do not add to your tower value. Cash on hand and existing loan debt does not affect your tower-value either.

	=== ~~Profitable operations, falling cash~~ ===		=== Room depreciation ===
	~~Suppose the tower starts with $200,000 cash and records the following during one~~ in~~-game day:~~		Rooms may depreciate in value. A room starts at its full construction value, then depreciates in a linear amount over 5 years until it is worth 20% of its original value. Rennovations will bring a room's value back to its original amount.
	~~{\| class="wikitable"~~
	~~! Item !! Cash change~~
	\|-
	~~\| Recurring~~ room ~~income \|\| +$10,000~~
	\|-
	~~\| Recurring operating expenses \|\| −$7,000~~
	\|-
	~~\| Visitor receipts \|\| +$2,000~~
	\|-
	~~\| New~~ construction ~~\|\| −$100~~,~~000~~
	\|-
	~~\| '''Net change before borrowing''' \|\| '''−$95,000'''~~
	\|}
	Recurring net is '''+$3,000/day''', but construction makes cash fall to '''$105,000'''. The build is an immediate bill; its future income may take time to arrive. Leave enough cash for services, power, staffing and vacancies after construction.

	~~=== A grant can hide~~ a ~~recurring deficit ===~~
	~~If recurring income~~ is ~~$6,000/day and recurring expenses are $8,000/day, the tower is losing '''$2,000/day''' from~~ its ~~current recurring operations~~. A $50,000 one-off grant makes that day's result '''+$48,000''' before other transactions, but the next day's recurring rate is still −$2,000/day. Improve occupancy/income or reduce ongoing costs instead of treating the grant as permanent profit.

	~~=== Base upkeep is only part of~~ a ~~facility~~'s ~~bill ===~~
	Unupgraded [[Housekeeping]] costs $400/day in base upkeep plus $500/day for each configured worker. With two workers, that is '''$1,400/day''', before power or other tower-wide costs. Adding another identical room adds construction cost and another recurring bill. First check the existing workers' access to ~~dirty rooms and garbage destinations~~.

	~~[[Room comparison]] lists base upkeep separately so staffing and other operating charges are~~ not ~~mistaken for an all-inclusive cost~~.		Transports currently do not depreciate in value.

	~~== Planning an expansion ==~~
	~~# Check the current recurring rate and the recent period's actual receipts and expenses.~~
	~~# Count the build's immediate cost, including supporting floors, transport and required facilities.~~
	~~# Allow time for construction, leasing or hotel bookings; new rooms need not produce income immediately.~~
	~~# Keep a reserve for operating costs and disaster response. A [[Projects\|project advance]] or loan helps finance construction but is not a substitute for sustainable operation.~~
	~~# Recheck power, transport and [[Needs and requirements\|services]] as the population grows.~~

	[[Category:Guides]]		[[Category:Guides]]

Gary: Use one Player’s Guide footer and remove the master navbox on Main Page guide destinations

2026-10-06T18:14:55Z

Use one Player’s Guide footer and remove the master navbox on Main Page guide destinations

← Older revision		Revision as of 18:14, 6 October 2026
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	[[Category:Game mechanics]]		[[Category:Game mechanics]]
	{{Navbox Guides}}		{{Navbox Guides}}
	~~{{Navbox All}}~~

	[[Category:Tower basics]]		[[Category:Tower basics]]
	[[Category:Start playing guides]]		[[Category:Start playing guides]]

Gary: Categorize for shared dynamic Main Page and navigation groups

2026-10-06T17:47:48Z

Categorize for shared dynamic Main Page and navigation groups

← Older revision		Revision as of 17:47, 6 October 2026
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	{{Navbox Guides}}		{{Navbox Guides}}
	{{Navbox All}}		{{Navbox All}}

			[[Category:Tower basics]]
			[[Category:Start playing guides]]

Gary: Add worked cash-flow, recurring deficit and staffing-cost examples

2026-10-05T23:43:02Z

Add worked cash-flow, recurring deficit and staffing-cost examples

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 The available amount to borrow is the maximum loan limit minus the current outstanding loan. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow.
 [[Category:Game mechanics]]
 {{Navbox All}}

Gary: Remove player-facing audit and build-check boilerplate

2026-10-05T22:37:18Z

Remove player-facing audit and build-check boilerplate

← Older revision		Revision as of 22:37, 5 October 2026
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	The available amount to borrow is the maximum loan limit minus the current outstanding loan. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow.		The available amount to borrow is the maximum loan limit minus the current outstanding loan. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow.

	~~<small>Balance checked 5 October 2026 against current project snapshot bffae344 and working files (project version 0.1.9); other builds and custom content may differ.</small>~~
	[[Category:Game mechanics]]		[[Category:Game mechanics]]
	{{Navbox All}}		{{Navbox All}}

Gary: Add checked-build note to current loan and depreciation formulas

2026-10-05T21:42:52Z

Add checked-build note to current loan and depreciation formulas

← Older revision		Revision as of 21:42, 5 October 2026
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	The available amount to borrow is the maximum loan limit minus the current outstanding loan. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow.		The available amount to borrow is the maximum loan limit minus the current outstanding loan. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow.

			<small>Balance checked 5 October 2026 against current project snapshot bffae344 and working files (project version 0.1.9); other builds and custom content may differ.</small>
	[[Category:Game mechanics]]		[[Category:Game mechanics]]
	{{Navbox All}}		{{Navbox All}}

Gary: Create Budget gameplay page

2026-09-22T16:24:22Z

Create Budget gameplay page

New page

'''Budget''' is the finance view for a tower. It records cash flow, outstanding loans and the tower's asset value. Use it to check how much can still be borrowed and how construction affects the balance sheet.

== Tower value ==
Tower value is the total value of the tower's floor, room and transport assets:

* '''Floors:''' the number of constructed floor tiles multiplied by the map's above-ground floor construction cost.
* '''Rooms:''' each room's construction cost. For room types that merge into a wider room, every base-size room instance is counted. A burned room has no value.
* '''Transport:''' the transport system's construction cost plus the construction cost of every car it contains.

Elevator upgrades do not currently add to tower value; the valuation uses the original construction costs of the elevator and its cars.

=== Room depreciation ===
Only rooms depreciate. A room starts at its full construction value, then depreciates in a straight line for five in-game years until it reaches 20% of its original value. It never falls below that 20% floor. Floors and transport assets do not currently depreciate.

== Loans ==
The maximum loan limit is the largest of the following amounts, rounded '''up''' to the next {{Game Money|cost=100000}}:

* 1.5 × the starting funds selected for the session;
* total income over the previous three years;
* 50% of tower value; or
* 75% of the map's default starting funds.

The available amount to borrow is the maximum loan limit minus the current outstanding loan. Cash on hand and existing loan debt do not reduce the tower-value portion of the formula; only the outstanding loan reduces the amount still available to borrow.

[[Category:Game mechanics]]
{{Navbox All}}

← Older revision		Revision as of 00:07, 12 October 2026
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	Your finances are critical to running and operating your tower.		Your finances are critical to running and operating your tower.

	You can find your budget information in the '''Budget Summary''' view shows your tower's income, expenses, and its cash flow. Use it to check how much you have spent on different rooms, on construction, and your other expenses like taxes and interest.		You can find your budget information in the '''Budget Summary''' view, which shows your tower's income, expenses, and its cash flow. Use it to check how much you have spent on different rooms, on construction, and your other expenses like taxes and interest.

	You can find additional financial information ~~as well as managing~~ your loans in the '''Loans Summary''' view.		You can find additional financial information and manage your loans in the '''Loans Summary''' view.

	== Budget summary ==		== Budget summary ==
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	=== Recurring income and expenses ===		=== Recurring income and expenses ===
	Certain income and expenses are billed continuously and generates persistent income. These are listed ~~with a~~ ''''Projected daily'''<nowiki/>' and continuously ~~changes~~ your balance. Rooms that generate rent are recurring income streams. Loan interest, taxes, and maintenance costs are recurring expense streams.		Certain income and expenses are billed continuously and generates persistent income. These are listed as ''''Projected daily'''<nowiki/>' and continuously change your balance. Rooms that generate rent are recurring income streams. Loan interest, taxes, and maintenance costs are recurring expense streams.

	The '''Projected daily''' net change describes the current recurring income rate minus recurring expenses and is what you would expect to get by the end of the day. The projected daily net change is also displayed after your account balance:		The '''Projected daily''' net change describes the current recurring income rate minus recurring expenses and is what you would expect to get by the end of the day. The projected daily net change is also displayed after your account balance:
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	=== One-time income and expenses ===		=== One-time income and expenses ===
	Other income and expenses are one-time changes. ~~These~~ one-time income ~~include~~ cash bonuses from projects or special events, and income from visitors interacting with your tower such as paying for parking, checking out of a hotel, or using a vending machine. Other expenses include construction costs, condo evictions (due to low evaluation), or disasters.		Other income and expenses are one-time changes. This one-time income includes cash bonuses from projects or special events, and income from visitors interacting with your tower such as paying for parking, checking out of a hotel, or using a vending machine. Other expenses include construction costs, condo evictions (due to low evaluation), or disasters.

	== Loans ==		== Loans ==
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	* '''Rooms:''' each room's construction cost, minus any depreciation. A burned room has no value.		* '''Rooms:''' each room's construction cost, minus any depreciation. A burned room has no value.
	* '''Transport:''' the transport system's construction cost plus the construction cost of every car it contains.		* '''Transport:''' the transport system's construction cost plus the construction cost of every car it contains.
	Upgrades do not add to your tower value. Cash on hand and existing loan debt ~~does~~ not affect your tower-value either.		Upgrades do not add to your tower value. Cash on hand and existing loan debt do not affect your tower value either.

	=== Room depreciation ===		=== Room depreciation ===
	Rooms may depreciate in value. A room starts at its full construction value, then depreciates ~~in a linear amount~~ over 5 years until it is worth 20% of its original value. ~~Rennovations~~ will bring a room's value back to its original amount.		Rooms may depreciate in value. A room starts at its full construction value, then depreciates linearly over 5 years until it is worth 20% of its original value. Renovations will bring a room's value back to its original amount.

	Transports currently do not depreciate in value.		Transports currently do not depreciate in value.