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Transfer Analyser
Stress-test any transfer. Enter the deal terms and see the full financial breakdown — fee, wages, amortisation and total cost.
Deal terms
Numbers update live as you type.
PSR caps amortisation at 5 yrs
Spread over contract
Total deal cost
£106.9m
Fee + wages + bonuses
Year 1 P&L hit
£20.5m
Amortisation + wages + bonuses
Amortisation / yr
£12.2m
Over 5 yrs (PSR cap 5)
Total wages
£43.1m
Over 5 yrs
New signing
Year-by-year P&L breakdown (£m)
| Year | Amortisation | Wages | Bonuses | Total P&L |
|---|---|---|---|---|
| Year 1 | £12.20m | £7.80m | £500.00k | £20.50m |
| Year 2 | £12.20m | £8.19m | £525.00k | £20.92m |
| Year 3 | £12.20m | £8.60m | £551.25k | £21.35m |
| Year 4 | £12.20m | £9.03m | £578.81k | £21.81m |
| Year 5 | £12.20m | £9.48m | £607.75k | £22.29m |
Cash vs P&L: the transfer fee is paid in cash per the agreed instalments (this model assumes a lump sum in year 1) but hits the P&L spread evenly over the contract length — capped at 5 years under current PSR/FFP rules.
Wages and recurring bonuses are expensed each year. Agent fees are capitalised alongside the fee. Add-ons are modelled as if triggered — adjust the figure to your assumed probability.