Transport Fever 3 WikiReleasing Sep 29, 2026
Cities / Field manual

Contracts & loans

Contracts and loans are confirmed economic systems with a risk-versus-reward role.

Official systemsChecked September 8, 2026Pre-release guide
Town happiness and street service interface
Town happiness and street service interface · Official pre-release image ↗
The confirmed picture

What we know

Steam announces a dynamic loan and contract system.

Tycoon settings can adjust the financial challenge.

Operations schematicPlanning math

The route balance sheet

Delivery revenuePer common period
Fleet operationRunning + maintenance
Infrastructure & interestRecurring costs
Net resultRevenue − all costs
User-entered arithmetic, separate from the game’s internal revenue formula.
From information to action

How to approach the decision

Editorial planning advice based on the confirmed systems above.

  1. Model interest in your common-period operating budget.
  2. Check whether existing capacity can fulfill an objective before funding expansion.

A mistake to avoid

An attractive reward does not erase construction, maintenance or financing costs.

Verify at launch

What still needs live data

Contract objectives, rewards, interest terms and penalties.

We will update this guide before opening individual database records. Unverified shells are excluded from search and the sitemap.

Put it to work

city growth diagnostic

Use your own scenario values. No guessed TF3 presets.

Open tool

Official sources

Steam storeTycoon dev blog

Last editorial review: September 8, 2026. Evidence policy and source ledger.