NeracaBola

NeracaBola · Football Finance Lab

Understand what a transfer really costs.

Explore club accounts, model transfer scenarios, and see how wages, amortisation, cash commitments and financial constraints interact.

Run a Transfer Scenario Explore Club Finances

Understand the business behind the game

Illustrative transfer scenario

Example
Transfer fee
£70.0m
Contract length
5 years
Weekly wage
£200k

Modelled annual cost

Annual amortisation
£14.0m
Annual wages
£10.4m
Approximate annual squad cost
£24.4m
Total contractual commitment
£122.0m

Illustrative scenario — not a real player or club transaction.

Transfer fees tell only part of the story.

Football spending is shaped by accounting, wages, cash timing, player sales and financial regulations. NeracaBola brings those pieces together.

01 · Amortisation

Transfer fee vs annual cost

A transfer fee is capitalised and generally recognised across the player’s contract rather than expensed entirely on signing.

Model a transfer

02 · Capacity

Revenue vs spending capacity

Revenue alone does not show cash availability, debt commitments, existing squad costs or regulatory constraints.

View club snapshots

03 · Cash

Profit vs cash

Accounting profit, operating cash flow and owner funding answer different questions.

Open financial analysis

04 · Regulation

Reported loss vs PSR

A statutory loss is not automatically the club’s regulatory loss because PSR includes a rolling assessment period and permitted deductions.

Read the PSR explainer

From club accounts to transfer decisions.

Methodology reference
    01

    Choose a club

    Review the latest published accounts and historical financial trends.

    Open snapshot
  1. 02

    Understand the baseline

    Read revenue, staff costs, player amortisation, player-sale profits, cash and debt together.

    2. 03

    Model a transfer

    Enter the transfer fee, wages, contract length, fees and potential add-ons.

    Open calculator
  2. 04

    Interpret the impact

    Separate annual accounting cost, cash commitment, squad-cost impact and regulatory uncertainty.

01SnapshotRevenue, staff costs, profitability, debt and player investment.02Compare ClubsFinancial profiles of major clubs, side by side.03Transfer Cost CalculatorHow fees, contract length and wages become annual cost.04Football Finance ExplainedAmortisation, PSR, squad cost rules and debt structures.

Latest Financial Snapshot

Most recent published accounts on file · figures shown as “—” where unavailable

ClubFYRevenueStaff CostsStaff Costs / RevenuePlayer AmortisationProfit on Player DisposalsNet ProfitNet Debt

Featured Clubs

View snapshot

Explore the Numbers Behind Football

Live previews of published figures and one clearly labelled illustration

Transfer scenario

£70.0m fee, five-year contract

Illustrative — not a real player or club transaction

Transfer fee£70.0mInput
Contract length5 yearsInput
Weekly wage£200kInput
Annual amortisation£14.0mIllustrative
Annual wages£10.4mIllustrative
Approximate annual squad cost£24.4mIllustrative
Total contractual commitment£122.0mIllustrative
Run your own scenario

Football finance without invented precision.

Every figure on NeracaBola carries a label that says where it came from and how it was built — so reported facts, calculated values and estimates are never blurred together.

Three data labels

Reported
Directly disclosed in filed accounts, official club communications or competition documents.
Calculated
Derived from reported figures using a disclosed formula.
NeracaBola Estimate
An explicitly labelled estimate based on disclosed assumptions and available evidence.

Product principles

  • 01

    Source-linked figures

    Every reported value is tied back to the filing, statement or document it came from.

  • 02

    Reporting periods clearly identified

    Club accounts follow their own financial year and scope; each is labelled, including non-standard periods.

  • 03

    Estimates never presented as reported facts

    Calculated and estimated values always carry their own label, never the Reported mark.

  • 04

    Missing information stays unavailable

    Where a figure is not published it is shown as “—” rather than silently assumed or filled in.

Read further
Methodology Glossary Profitability & Sustainability Rules

Early access

Built for people who want to understand the numbers behind football.

Start with free research tools, and step up to Finance Lab for deeper analysis as the product is validated.

Free Research

Available now

Open tools for exploring published club finances.

  • Selected club financial dashboards
  • Basic club comparison
  • Transfer amortisation calculator
  • Football-finance explainers
Start researching

Finance Lab

Early Access

Advanced analysis for closer study of club finances.

  • Advanced club-aware transfer scenarios
  • Complete historical financial trends
  • Ownership and funding timelines
  • Saved and comparable scenarios
  • Downloadable charts and data

Early access is not open yet. Pricing will be announced after the early product is validated.