This article is considered accurate for the current version of the game.
Economy is a menu that shows information about the city's income and expenses and allows the player to adjust taxes and budget and take loans. You can easily find the panel by pressing the icon that looks like a green dollar. You can also view your statistics buy pressing "City Statistics on the menu you see when you press ESC.
The player can adjust taxes for all the different zones separately from 1% to 29% (the default tax rate is 9% for all zones). Higher taxes increase the weekly income but have a negative effect on demand.
Residents and businesses start to protest if taxes are raised above 13/14% for too long, but a short tax hike is a good way of earning some quick cash if you don't want to take out another loan. Maintaining tax rates below 5% for a short amount of time is necessary to unlock some unique buildings, but it will cause a decrease in money earned.
There are a number of taxation policies that can be used to boost or lower taxes directly, which can be applied to whichever district the player desires. There are some policies, such as "Recycling", that reduce the tax income slightly in the affected area. Most other policies will have some sort of cost, but do not directly affect taxation.
You may notice that you reach a positive income very quickly but as you expand your city, your income doesn't increase accordingly. You may even notice that your tax income decreases over time and you have to constantly optimize your expenses just to keep up with the decrease in tax income. The reason for this is an ugly hack the developers implemented in the game to dynamically balance the difficulty. There is a correlation between your money in the treasury and tax income. The formula is: More money in treasury = less income. You should keep that in mind before wondering why your large city makes so little income.
The budget of services can be set anywhere between 50% and 150%.
At 50%, services will operate at only 25% effect, and at 150%, services will operate at 125% effect. In general services should be running as close to 100% as possible.
The equation for service level L with budget percentage B is
For B < 100
For B > 100
This function has its maximum at 150%, so the last 5 percentage point increase in budget only results in a 0.2% increase in the service level.
Services will increase their service capacity (trash trucks, police cars, student capacity, etc.) if the budget is increased, or decrease their service capacity if the budget is decreased. This also applies to utilities such as water pumps and power plants.
Decreasing the budget of a service will reduce the capacity, which can be beneficial if that service is providing a large excess versus what is needed.
Changing the budget for a service often has easily observed effects, like the number of vehicles a service building can field. Other effects may be less obvious, such as the range of the service coverage.
Many buildings need services in order to level up, and a service that has the budget lowered may not provide the boost needed for the level up to happen. The strength of the service coverage is highest near the service building, and is weaker in the distance. Reducing the budget reduces the range, and therefore the coverage gets weaker at much shorter distances.
The first loan is unlocked after the first milestone, and two more at later milestones.
You can only have three loans at once. Loans can be repaid instantly with no extra cost for you. Its better to repay, because if you have a loan, and can repay it, it will hurt you more in the long run if you don't repay it. Having loans available at all times is good, in case there is something called a "death wave" Where a huge chunk of your Cims will die, and leave services not used, but still using your budget.
|Payment plan||Interest||Weekly cost
|Silver Sunset Bank||Little Hamlet||20,000||52 Weeks||5%||403.85||21,000|
|Global Credit Inc.||Worthy Village||60,000||260 Weeks||10%||253.85||66,000|
|Pyramid Capital||Grand City||200,000||520 Weeks||15%||442.31||230,000|