Economic System & Finance in FS25
The economic system in Farming Simulator 25 (FS25) determines how fast you can grow, which machines you can afford and how profitable your farm will be. This guide explains loans, machinery purchases, market prices and profit strategies to keep your farm financially stable.
Contents
- financial overview & starting capital
- credit system
- machine purchase & sale
- market prices & demand
- profit strategies
- comparison: sources of income
- tips for more profit
1. financial overview & starting capital
Depending on the game mode, you will receive at the beginning:
- New farmer: Finished farm + machines + starting budget
- Farm Manager: Less machinery, more cash
- Before breaking ground: Only money → complete freedom
Important: Each mode affects your credit rating and your fixed costs.
2nd credit system
Loans enable rapid expansion - but cost daily interest.
How do loans work?
- You can borrow or repay money at any time.
- Interest is calculated daily.
- Maximum loan amount depends on level of difficulty.
Advantages & disadvantages
| Advantage | Disadvantage |
|---|---|
| Enables early machine purchases | Interest rates reduce profit |
| Financing of large fields | High debts possible quickly |
| Flexibility in case of bottlenecks | Lack of planning leads to losses |
Tip: Only take out loans if you have a clear goal (e.g. combine harvester or production chain).
3. machine purchase & sale
Buying machinery
Influence machines:
- Working speed
- operating costs
- Harvest volume
- Field extension
You can buy:
- New (expensive, full warranty)
- Used (cheaper, higher maintenance requirement)
Machine sale
Older machines lose value through use & age.
In general:
- Less used = higher resale value
- Repair before sale increases the price slightly
Tip: Only buy harvesting technology if you can cover at least 2-3 fields - otherwise it's not worth it.
4. market prices & demand
Market prices in FS25 are dynamic and change depending on:
- Season
- demand
- production chains
- Supply of the map
Price display
The price table shows:
- Best selling time (green curve)
- Average price
- Current value in real time
High profit prices (typical)
- Soybeans → high value per 1000L
- Rapeseed → high oil processing
- Potatoes & beets → low base value, but extremely profitable with factories
- Milk & wool → strong animal product prices
5. profit strategies
5.1 Early phase (start)
- Accept missions (very efficient)
- Use direct seeding machine
- Buy used machines
- Do not buy unnecessary equipment
5.2 Middle phase
- Buy production chains
- Automate logistics (truck + trailer)
- Combine fields
5.3 Late phase
- High-priced products such as cheese, bread, oil, fabric
- Own fleet of trucks
- Specialized animal husbandry
- Large fields with articulated fields
6. comparison of sources of income
Comparison table of income sources
| Revenue source | Expense | Profit potential | Remark |
|---|---|---|---|
| Grain sales | Low | Medium | Ideal for entry |
| Animal products | Medium | High | Requires feed & care |
| Production Chains | High | Very High | Perfect in Mid- to Endgame |
| Forestry | Medium | Medium-High | Varies greatly depending on machine ownership |
| Missions | Low | Medium | Very good starting method |
7. tips for more profit
Keep producing instead of selling raw materials → higher margins
-
Compare prices, don't always sell at the first point
-
Only buy machines when really necessary
-
Trucks only in the midgame - a waste of money beforehand
-
Always fertilize twice → maximum field yield
-
Storage is worthwhile when prices are low
Conclusion
FS25's economic system rewards players who invest wisely, monitor market prices and use production chains strategically. Those who use credit carefully and plan machinery wisely will build a profitable farm in the long term.
