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Football Manager

11 Nov 2020

Football Manager 2021: Starting transfer budgets for Europe's biggest teams

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Bayern Munich

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Real Madrid

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Manchester United

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PSG

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Juventus (Zebre)

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Inter Milan

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Liverpool

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Manchester City

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Spurs

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Chelsea

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Borussia Dortmund

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Barcelona

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Arsenal

The Football Manager 2021 beta is now live.

If you pre-purchased the game through a SEGA-approved retailer you should have access to FM21 now on Steam or Epic Games Store.

With covid taking its toll on the finances of every football club around the world, what kind of transfer budget do the big teams have when you start up a new game? Let's take a look!

All budgets taken from beta may change when full game is released

Bayern Munich

£55 million

It's no surprise to see the European champions and German giants at the top of the pile.

Bayern Munich's finances at the start of a Football Manager 2021 save
Bayern's finances start strong in FM21

Their financial muscle is well-established and while they have added the likes of Leroy Sane and Alexander Nubel this summer the deals have been relatively low-cost.

With a lot of young talent and a deep squad, you can also raise some finances pretty quickly.

Real Madrid

£55 million

The Spanish side also starts with a very healthy transfer budget.

Real Madrid's finances when you start a Football Manager 2021 save
Los Blancos have the world at their feet when you take charge

With Real's pulling power you should be able to sign any up-and-coming player you want on your first day on the job.

The well isn't bottomless though, as in your second season you are only guaranteed £49 million.

Manchester United

£52 million

Man Utd is the king of the Premier League when it comes to starting transfer budget in FM21.

Manchester United's finances when you start a Football Manager 2021 save
Utd can flex their might on the transfer market

While they added Donny van de Beek and Alex Telles, Utd has been relatively quiet in the transfer market this year, hence the high balance in FM21.

You can fix all that when you replace Ole Gunnar Solskjaer though. The only question is where will you spend it?

PSG

£41 million

After heartbreak in the Champion's League final last season, PSG are desperate to go one step further.

Paris Saint-Germain's finances when you start a Football Manager 2021 save
PSG are looking for one more win this season

There isn't a massive transfer pot awaiting you in Paris though. Mauro Icardi has already made a full-time move to France, which has eaten into the funds.

While the domestic league should be easy, its European success that PSG are after, so spend wisely with your eyes on keeping your key players fresh for big ties.

Juventus (Zebre)

£23 million

Another team with their eyes fixed on European glory is Juventus, or Zebre as they are known in FM21.

Juventus' finances when you start a Football Manager 2021 save
Serie A is easy for Juve - though maybe not for long

Ronaldo will need some help in bringing the Champion's League back to Turin, and your window is closing so spend wisely!

Juve does have a strong squad so you can raise some extra funds, just be ware that Italy's financial muscle is limited so you'll need to be smart with your signings.

Inter Milan

£21 million

Juve's nearest rivals in Italy are their equals when it comes to the transfer market.

Inter Milan's finances when you start a Football Manager 2021 save
Can you bridge the gap and knock Juve off the top?

Inter added Achraf Hakimi, Nicolo Barella, and others this summer in an effort to finally win a Scudetto again.

£21 million is a nice chunk to bring in another player, so scout your own team before you hit the market!

Liverpool

£18 million

You'll be hard-pressed to buy a starting-calibre player for Liverpool with just £18 million.

Liverpool's finances when you start a Football Manager 2021 save
The Reds have arguably the best starting 11 in the world

Fortunately, you don't really need to. The Reds have an amazing squad and added Diogo Jota to their attacking lineup this summer.

With a few players you could sell to raise funds and an amazing youth development system, a lack of immediate transfer funds won't hamper your push for the Premier League.

Manchester City

£17 million

Liverpool's biggest rivals for the title are next.

Manchester City's finances when you start a Football Manager 2021 save
City's bank balance isn't as high as you'd hope

City's low balance is thanks to them already adding Ruben Dias, Nathan Ake, and Ferran Torres this summer.

There is now an army of centre backs that you can move around the world to generate some funds if you need it. Like Liverpool, the Citizens are all set for a big season. Fresh faces are not needed right away.

Spurs

£13 million

Tottenham have never been a big financial player, and that is reflected in their starting budget.

Tottenham Hotspur's finances when you start a Football Manager 2021 save
Tottenham doesn't have a lot of money to play with

Jose Mourinho has already spent a good deal this summer, getting Giovani Lo Celso, Sergio Reguilon, and Matt Doherty into the club.

That doesn't leave you with a lot, but Spurs are overachieving in the Premier League right now, so you certainly have the talent in the squad to succeed!

Chelsea

£12 million

It's been an expensive summer for Chelsea, so when you start there isn't much left in the bank.

Chelsea's finances when you start a Football Manager 2021 save
The Blues have already spent a fortune this summer

What more do you really need though?

The additions of Timo Werner, Kai Havertz, and Hakim Ziyech make Chelsea a deadly attacking force. There is work to be done at the back for sure, but there are some players (Kepa) that you could potentially move for big money.

Borussia Dortmund

£9 million

Dortmund's lack of financial muscle is no surprise.

Borussia Dortmund's finances when you start a Football Manager 2021 save
Dortmund don't have a lot of cash in the bank

Thankfully, they are well-armed with a lot of top-quality talent. From Erling Haaland to Jadon Sancho, they can compete with some of the best in Europe.

It will take a careful balance of wise spending and cashing in on players at the right time to boost their finances.

Barcelona

£9 million

The Catalan club has had a tumultuous season, and their finances are less than ideal.

Barcelona's finances when you start a Football Manager 2021 save
There are plenty of tough decisions to be made at Barca

With a lot of talented young players, Barcelona don't need to go on a shopping spree.

However, expectations are sky-high at the club and silverware is a must, so you don't have long to develop the next generation of Barca talent.

Arsenal

£4.5 million

It's no surprise that the Gunners are the poorest of Europe's big clubs.

Arsenal's finances when you start a Football Manager 2021 save.
The Gunners have empty pockets when you take over

A few years out of the Champions League has hurt them financially and they made a few signings already this summer.

Thomas Partey and Gabriel will be very useful additions and fill in a few holes that Arsenal had, but selling will be the only way to raise funds immediately.

Football Manager 2021 has an official release date of 24 November. When the full game is released the transfer budgets may differ from what you see here.