Tool · desk
Wage-to-revenue ratio checker
A club's revenue and wage bill in — the ratio out, the revenue needed to reach the UEFA 70% and Premier League 85% lines, and an honest band to read it against. Context, never a verdict.
Every financial crisis in football starts in the same place: wages growing faster than revenue. The ratio between the two is the single number regulators watch — UEFA's squad-cost rule targets 70% of revenue from 2025/26 (counting wages, amortised transfer fees and agent costs together), and the Premier League has been trialling a shadow squad-cost line at 85%. This checker runs the arithmetic on any club's published accounts, on your device. The rules behind the numbers are in the PSR explainer; the accounting mechanics are in the amortisation explainer.
How to read it honestly
The ratio is wages ÷ revenue × 100. That is the whole maths — but three honesty notes matter more than the formula. First, official squad-cost measures are wider than wages alone: they add amortised transfer fees and agent costs, so this ratio understates them, sometimes by 15–25 points at heavy-spending clubs. Second, the 70% and 85% lines apply to different rulebooks (UEFA and the Premier League's proposals) with different definitions and permitted exclusions — the tool shows where a club sits against both, not whether it is compliant. Third, revenue here should be the club's football revenue from published accounts, not owner funding. Figures are arithmetic on the numbers you enter, checked 2026-09-25 against the published rule targets; rules evolve, and this is education, not financial advice.