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
Selling a player immediately unlocks fee, agent, and wages as headroom.
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 -£10mwages -£7magent -£2m
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.