Finances
Read the ledger, compare loans and monitor delivery times.
Open the finance window from the account balance at the bottom left or by selecting your headquarters. It brings together operating results, infrastructure statistics, borrowing and delivery expectations. These figures describe your company’s economy; edition purchase prices are a separate topic.
Overview
Four graphs track revenue and expenses, cash and company value, debt and cash, and towns. Revenue excludes borrowing. Company value combines cash with vehicle assets. The towns graph tracks district development, with its residential curve representing map population. Use these views to distinguish operating income from changes in your available cash.
Finances
The ledger covers up to four years. Road, rail, water and air groups separate vehicle running costs, building upkeep, track or road upkeep, and transport revenue. Revenue arrives when a passenger or cargo reaches its destination. General entries include warehouse upkeep and subsidy rewards or penalties. Investments record vehicle purchases and construction spending. Loan interest is a monthly expense; loan transactions record new principal and repayments separately from earnings. The bottom rows also show cash and total debt.
Assets
This tab counts infrastructure, stations and vehicles, including road and rail lengths, bridges and tunnels. General statistics cover towns, industries, lines and exceptional vehicles such as the fastest or oldest. A graph tracks transported passengers and individual cargo categories over time. Select its legend buttons to show or hide categories and inspect their current totals.
Loans
A new game starts with an empty account, so borrowing funds the first construction. Four loan offers are available, and at most four loans can be active together. Offers vary and refresh periodically; a replacement is not offered immediately after borrowing. Compare principal, term, interest and annual repayment, which is distributed at fifteen-day intervals. Interest depends on difficulty. Active cards show outstanding debt and remaining term; the repay button clears the remaining debt when you have sufficient cash. The manual recommends early repayment to reduce interest costs, but gives no universal percentage.
Delivery Time
The graph gives each cargo type its own expected delivery time. Delivering later than that expectation reduces the town rating. Check this separately from revenue: a line can deliver goods and still miss the town’s timing expectations. The manual provides no single deadline shared by every cargo type.