Economy planner

How to use it

1. Pick your league tier, then set the sliders to match your guild.
2. Set roster size and ability to your bench, andupkeep to what your hall and facilities cost.
3. Read the income vs. costs bars: a positive settlement balance means you're building a buffer, a negative one means you're bleeding gold.
4. Tap the promote a tier nudge to see how climbing swings your balance before you commit.

This is an estimate for ordinary non-aspirant heroes without wage traits or origin discounts. Include Council wages and other recurring charges in the costs you enter. Confidence above 60 no longer increases the stipend multiplier. Nudge one dial at a time to see what's tipping your books. The sections below explain which levers move the needle most.

Why guilds go broke

Going into debt isn't an instant loss. It's a slow, self-reinforcing spiral. While your balance is negative, your patron's confidence bleeds a little at every six-day settlement. Let it slide far enough and you cross a cliff where the chance of the patron walking out on you climbs sharply, and losing your patron means losing your one reliable income. The hole gets deeper the longer you sit in it, so a small recurring deficit is a problem to fix now, not later.

Check the cost of promotion

Promotion raises both income and wages. The top two divisions add a hero-wage surcharge, so moving up can make a large roster more expensive than its stipend can support. Compare the planner’s projected balance instead of assuming promotion pays for itself.

The levers that matter

• League tier: changes both sides of the ledger; the highest divisions carry additional wage costs.
• Roster size and ability: every hero is a recurring cost; a deep bench of high-ability heroes is what most often tips a guild into the red.
• Upkeep: grows with your hall, facilities and renown. Fame has a running cost.
• Patron confidence: a modest buffer on income, but the thing debt quietly erodes.