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

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.