Loan interest · contract reward · failure penalty · transport financing
Transport Fever 3 loan and contract calculator
Compare a contract's upside with its downside before financing a new route. The Transport Fever 3 loan and contract calculator separates borrowing, scenario interest and operating contribution.
Your scenario
Example values are illustrative. Replace them with observations from your save. Inputs stay in your browser.
Your planning result
Contribution if the contract succeeds
A successful contract covers the entered expense and interest.
- Contribution if the contract fails
- -340,000 money
- Total scenario interest
- 60,000 money
- Principal plus scenario interest
- 560,000 money
- Reward needed to cover costs
- 240,000 money
- Probability-weighted contribution
- -40,000 money
- Success chance needed for break-even
- 85 %
Calculation method & limits
Simple scenario interest = principal × rate per period ÷ 100 × periods. Success contribution = reward − operating expense − interest. Failure contribution = −expense − interest − penalty. Principal repayment is displayed separately because borrowed cash is not revenue. The probability-weighted result uses your estimate of success, not a measured game probability. This does not assume official loan terms or compounding.
Compare risk with the Transport Fever 3 loan and contract calculator
The Transport Fever 3 loan and contract calculator provides a scenario comparison for financing a transport task. Borrowing creates cash and a repayment obligation; it is not transport income. Enter the loan amount, an explicit simple-interest assumption and the contract's reward, expense and penalty. Compare success and failure before deciding whether the route can support the debt. The calculator does not import official contract terms or estimate whether a route will succeed. Its probability input is a judgement you provide, so the weighted result is a planning assumption rather than a prediction.
How to use this Transport Fever 3 calculator
- Enter principal, rate and duration on one time basis. A rate per period must match the period count. The model uses simple interest on the original principal; do not interpret it as an amortizing loan schedule.
- Enter the complete reward, all operating expense and the applicable failure penalty for the same contract scenario. Account for infrastructure or purchases separately if they are not included in this expense figure.
- Compare success, failure and repayment in the Transport Fever 3 loan and contract calculator. If you enter an assumed chance of success, test several values rather than treating a single guess as reliable odds.
A worked planning example
Borrowing 500000 at an entered simple rate of 2% for six periods gives 60000 interest and 560000 principal plus interest. A 300000 reward, 180000 expense and 100000 failure penalty produce 60000 contribution on success and a 340000 loss on failure. At an assumed 75% success chance, the weighted contribution is negative 40000. A chance of 85% is needed to break even under exactly these assumptions.
What to do with the result
Positive success contribution alone does not prove the plan is affordable or worth taking. Check the failure loss, cash required to repay principal and the delivery constraints. Use the delivery-time calculator and cargo planner to test whether the operational target looks feasible. The loan and contract calculator complements route profit and ownership cost planning, but it does not reproduce every borrowing or subsidy rule in Transport Fever 3.
Calculator questions
Does this Transport Fever 3 loan calculator use the game's official rate?
The rate is your explicit input. Enter the terms relevant to your save and use this simple-interest scenario only when that assumption is suitable. The calculator does not silently substitute an official rate or compound interest.
What if break-even chance exceeds 100%?
The entered reward is too small to cover the scenario even under the model's best feasible probability. Recheck costs, reward and financing before using the weighted figure. An assumed probability never makes a guaranteed loss disappear.