Football is one of the most popular sports in the world. Tons of people across the planet tune in to watch 11 players lock horns with another group of 11 players to decide the winner. All that publicity opens up a huge business opportunity, attracting top companies and investors. Billions of pounds, dollars, and euros are traded every year, both within clubs and between clubs. Similarly, finance plays a big role in Soccer Manager 2022. From making a marquee signing to upgrading the club stadium, that one currency can cover it all. With so many ways available to spend the cash, there are also a few ways to earn some too. Here are 10 varying tips and tricks to bump up the cash/ money in Soccer Manager 2022, covering both short-term techniques, as well as long-term strategies.
1. Selling Players
First and foremost, the easiest way to earn a quick and meaningful income boost is by selling players. The money generated through transfer fees is a positive in itself, but the wages cleared out also reduce outgoings, helping in the long term. Obviously, selling players is a vague topic, and there is actually a range of different ways to actually get players to sell.
Already owned players
There may be some players at the club that are surplus to requirements, these should be the first going out the door. Obviously, it’s harder to sell some of these kinds of players. However, it’s often better to offload as soon as possible, rather than stretch out for the best deal. They won’t make any significant difference to the team and will continue to eat up club finances until the contract ends. Selling them, whatever the price is, will free up much-needed wages.
Scouting investments
Scouting can be a very useful tool in SM22, and it can help identify some hidden talent in the world of football. It can be a good idea to sign some decent-potential youngsters on bargain deals, even if they aren’t first-team levels. The main idea is to manage their development, improve their ability, and eventually sell for a profit in the future. The Free Agents list can also be a good place to look around for, as there’s no chance for a loss transfer-fee-wise. This is a long-term strategy but once you sign a batch of a few players, it’ll kick-start a chain of profit each season, and can also be quite satisfying too.
Youth Academy
This strategy is similar to the previous “Scouting Investment” one. Instead of signing another club’s players, use the local Youth Academy of the club. With each upgrade to the Youth Academy, not only are there more players available, but they’ll also come with higher potential. After this point, all that is left is to develop these players, then eventually sell them for profit in future seasons.
2. Loaning-Out Players
When it comes to making money, lots of SM22 players try to boost the incoming. However, another method is to reduce the outgoings, to basically recover some of the lost money, which will automatically result in a long-term benefit. The best way to do this is by loaning players. If a player will only be useful to the first team in the direst of situations, it might be better to just loan them out. Especially the fringe players on high wages, there’s no point in keeping them around if they’re only around for absolute emergencies.
In addition, it’s a good idea to put all the reserve team youngsters that aren’t on first-team-level on the loan list too. Not only will it help with their development, but it will also keep their morale high with game-time, and also free up some space on the wage bill too.
This is one of the easiest ways to guarantee some additional cash inflow for the club. All it requires is a few clicks for literally free money. Sponsors are essentially businesses which pay money to football clubs. In exchange, the club puts the logo of the business on their shirts to promote them. Usually, there’s a bit more to think about for sponsors but for SM22, we’re only really interested in the money. Perhaps the logos of some businesses in the game aren’t easy on the eye for some. But, at the end of the day, if the cash is good, then why complain!

Sponsors work such that the bigger and more reputed the club is, the more money they offer. For example, a club like Manchester United will earn much better sponsorship deals than for example, Sheffield United who are in the league below. Usually, it’s best to go with the sponsor providing the most value. However, it’s worth thinking about scalability as well. If promotion to a better league looks likely, it’s better to pick the shorter sponsor length, so there are better sponsor deals to choose from in the following season.
4. Arrange Friendlies

During Pre-Season, clubs have the ability to arrange friendlies with any other team of their choice. Simply go to the schedule menu, and click the spots titled “Arrange Friendly”, then pick which teams to face. The money from the ticket sales and gate receipts provides a nice boost to the finances. Obviously, keep in mind that the players need rest as well, so schedule the friendlies accordingly. Playing the first team isn’t always necessary either, these friendlies are a great opportunity to play the youngsters, and help maintain the backup players’ match fitness.
5. Upgrade Club Zone

The club zone handles the miscellaneous areas of the site, such as injury prevention/recovery, and more relevantly, some income sources. A singular upgrade to the club zone will bump up the impacts of all these individual buildings. Although it’s more of a long-term investment, it’s one of the easiest to do, and the profits will come automatically.
6. Upgrade Stadium

Upgrading the stadium requires a bit more thought than the club zone, but has huge long-term benefits. SM22 offers managers the ability to scale up any of the stands at the stadium to increase the capacity and visual appeal. A bigger stadium has more seats, which means there’s the opportunity for more ticket sales.
7. Daily Login Rewards

SM22 offers a pretty generous login rewards scheme offering free resources to all managers. Just log in to play the game every day to claim them, and the longer the login streak, the better the rewards. Not only is there free cash on offer (amount varies depending on the club), players will also get free boosts and SM Credits. The latter is the most prestigious currency in the game and can be used for spotlight players, cash injections, and more.
8. Free Gifts

Free Gifts in SM22 are essentially small packs available to open in the store. They contain 1 type of item, ranging from boosts to SM Credits, to proper in-game cash. Whilst the money rewards won’t be enough to sign the likes of Kylian Mbappe, they’re still completely free and easy to claim. There is a cool-down on them, but players also have the option to watch an ad to skip this.
9. Manager Upgrades
Heading over to the manager upgrades menu, there’s a lot of things to do to improve the in-game manager. Out of all of them, there are also a few upgrades which have an impact on the money. The “Start Balance” skill does what it says on the label. At the start of a new save, the club receives an elevated starting balance. There are also some Attributes to rank up which have a significant impact on finances too. “Transfer Negotiator“, “Wage Negotiator“, “Sponsorship” and “Merchandise” are all useful attributes which will help improve future financial deals.
10. Victory in all Competitions
This can go without saying, fans want their clubs to play with the intention of winning. The more victories, the more the money made. All competitions have prize money and the bigger achievements usually have some huge paychecks. In addition, for tournaments with knock-out stages, each round is another opportunity to earn cash through ticket receipts.

A football club winning is considered an expectation, and this may seem like an awkward point to make. However, so many competitions often result in heavily packed schedules. It’s common for managers to rotate teams for the tournaments that are less important, in order to preserve the first team for the main games. Of course, that makes sense as well, but if finances are overly poor, it’s worth considering the idea of a strong team in as many competitions as possible.
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