# Editing club finances > Documentation release: **FMRTE 27** (published release). Open **Finances → Overview** to change a club's money and budgets. Check your [currency and wage settings](https://docs.fmrte.com/help/settings.md#how-to-change-currency) first. [](https://docs.fmrte.com/img/fmrte27/clubs/club-finances.png) > **TIP** For a worked example, follow [Increase a club's transfer budget](https://docs.fmrte.com/examples/transfer-budget.md) example. | Field | Meaning | | --- | --- | | **Balance** | Current cash | | **Transfer Budget(Season)** | Season's transfer allocation | | **Transfer Budget Remaining** | Transfer funds still available | | **Wage Budget** | Total wage allowance | | **Wage Used** | Current wage spending | | **Max Wage (aprox.)** | Approximate individual wage limit | | **% of transfer revenue made available** | Percentage returned to the transfer budget | | **Transfer embargo** | The embargo's **Reason**, **Start Date**, **End Date**, **Appeal date** and **Age restriction** (the minimum player age it affects) | ## Loans, debts and sponsorship Select a row in **Debt and Loans** to see its original debt, repayments, interest and dates. Sponsorship and other income also have their own records. To compare debt across clubs, use **Total Debt** and **Monthly Debt Repayments**. They add up the **Original Debt** and **Monthly Repayment** of every loan the club has. Transfer instalments owed to other clubs are not included. You can filter on them in a [Club Advanced Search](https://docs.fmrte.com/scouting/search.md#find-clubs-by-balance-or-debt) or show them as read-only columns in club lists with [Add/Remove columns](https://docs.fmrte.com/help/settings.md#choose-columns-and-their-order). [](https://docs.fmrte.com/img/fmrte27/clubs/club-debt.png) ## Wage contributions When a player is transferred, the old club can still pay part of the salary. If the club pays or receives one of these, see [Wage Contributions](https://docs.fmrte.com/clubs/wage-contributions.md). ## Usual questions ### I have wage budget left, but the board limits my offer **Wage Budget** is the total allowance. **Max Wage (aprox.)** is a separate limit for an individual offer. 1. Note the maximum offer in Football Manager and its weekly, monthly or annual unit. 2. Check that FMRTE's wage units match. 3. Adjust **Max Wage (aprox.)** and save. 4. Reopen the same negotiation with the same proposed playing time and compare the allowed offer. ### I selected a tycoon: why hasn't money arrived? **Rich Benefactor** changes a funding/ownership setting. It does not immediately deposit cash or guarantee a payment date. To add a specific amount now, edit **Balance**.