PSR Transfer Calculator

Model the PSR impact of a hypothetical signing for any club. Adjust fee, contract length, wages, and agent fee to see the current-season headroom and the equity needed if it turns negative.

Inputs
Club, fee, contract, wages, agent
Longer contracts spread the fee over more seasons (lower annual amortisation).
Agent fee used in PSR this season: £3m
Annual wages used in PSR: £7m
Result
Current-season impact on headroom
Current headroom
£183m
Transaction impact (current season)
-£20m
amort £10m + wages £7m + agent £3m
Headroom after signing
£163m
Equity required after signing (cycle): £0m
Usable within cap: £0m
Cycle baseline (no equity)
£15m
Equity injected (last 3 seasons)
£90m
Equity cap remaining
£0m
Equity required to date
£0m
Safety bar
How this works
Key assumptions and PSR framing

We start from the latest modelled headroom for the selected club. The calculator then applies the signing’s current‑season impact: annual amortisation (fee ÷ contract years), annual wages, and an agent fee (default 5% of the transfer fee, treated in‑year).

Defaults: weekly wages are auto‑estimated at 15% of the fee per year, spread over 52 weeks; toggle “Auto from fee” to override. Longer contracts reduce the yearly amortisation. The displayed “Equity needed” is how much shareholder funding would be required to avoid a PSR deficit if the new headroom turns negative.

Equity is not unlimited. The allowable loss per season is capped at £35m in the Premier League and £13m in the EFL Championship. Within that, only a portion is “equity‑funded capacity” (typically £30m in PL, £8m in EFL) on top of a £5m per‑season baseline. If your post‑signing headroom is negative, owners can cover only up to the remaining equity capacity within the current cycle; any excess remains an uncovered PSR breach.

This tool is indicative, not official advice. Real filings, squad registration timing, and other costs can change outcomes.