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{{version|2.7}}

[[File:Income balance.jpg|500px|thumb|right|The yearly income balance of the realm is visible on the Title screen ({{key press|F1}})]]

[[File:Icon wealth.png]]  The economic system in Crusader Kings II is made to reflect the medieval European [[The Feudal System|feudal system]]. The game has a hierarchical structure where most [[nobles]] serve a liege.

==Gaining wealth==

===Regular income===
Special rules apply to nomads, see below.

====Demesne taxes====
: {{main|Demesne income}}

The primary source of income for lower-tier feudal rulers, and a major source for a [[patrician]], is usually the personal holdings of their [[demesne]]. [[Attributes|Stewardship]] skill influences this demesne income greatly:

* Personal and spouse Stewardship influence your demesne limit
* The skill of your [[steward]] improves income in the province where you assign him to collect taxes
* Total state Stewardship gives a boost to all demesne income

Some [[buildings]] also increase the tax income of your holdings, they are Castle Walls and Castle Town these should be some of the first buildings you invest in, during early game.

====Liege taxes====
: {{main|Liege tax}}

Your vassals pay you [[liege tax|taxes]] based on your tax rates and their income, combined with their opinion of you - negative opinion means less taxes than usual. (Special rules apply to Catholic theocracies, see below.) Tax rates are part of your [[demesne laws]] and set separately for each government type; with [[Conclave]] enabled, high tax rates reduce the maximum liege levy, otherwise there is no downside except reduced opinion of you.

* Feudal vassals usually generate little income regardless of tax rate, and are better at providing you with large levies.
* Republican vassals, to the contrary, are militarily weak and excellent for making money, but feudal rulers are limited to < 10% of counties under republican control for this exact reason. Merchant republics also only pay half the republic tax rate, generating little more tax income than a rich city even when large.
* Theocracies are relatively rich and decently powerful, but if Catholic, they will only pay you taxes if they prefer you to the [[Pope]], which is rarely the case. Also, a vassal pope or antipope will only pay you taxes if he has a positive opinion of you.

Taxes paid by vassals can be seen in the liege's "Vassals" tab, and totals for each vassal government type are shown in the liege's demesne screen.

====Trade====
: {{main|Trade Post}} {{main|Silk Road}}
Trade posts in coastal or important [[Silk Road]] counties can generate a large trade income at a very low construction price. The tax income from cities and the trade income from all trade posts within the associated [[trade zone]] is also boosted depending on its size, up to a limit of ~40% for cities and ~80% for trade posts in a ~five-trade-post zone; in Silk Road counties, the city income boost also applies to castles and temples.

However, only the controller of an important Silk Road county can build a trade post there, which is destroyed if the county changes hands, and trade posts outside the Silk Road can only be built by [[patrician|patricians]] of a [[merchant republic]], for whom they are usually the primary source of income. 

Non-republican rulers can still use republics to increase coastal city income - either take advantage of an existing republic near your lands, or, if you control a (preferably small) coastal duchy, create your own [[Merchant_republic#Creation_of_merchant_republics|vassal merchant republic]].

====For nomad rulers==== 
Nomads do not receive liege taxes at all, and receive a single nomadic tax instead of demesne taxes, based on their {{iconify|Population}} and unused {{iconify|Manpower}}, buildings in the [[nomadic capital]] and state Stewardship. They benefit from Silk Road trade as usual, and if their nomadic capital is located in an important Silk Road county, they can construct a Minter building there to increase the value of all held trade posts.

===Warfare===
Winning certain types of wars can increase your wealth:
*[[Expanding your realm]] will increase your potential tax base. Unlike levies, tax income is not affected by any de jure modifiers.
*Winning an [[Casus_Belli#Embargo|Embargo]] war pays money for every trade post on your lands. However, if the trade posts form a big trade zone, your cities within the trade zone might suffer a substantial loss of income; consider only fighting an Embargo war when another merchant republic pays you to do so, the assumption being that the other merchant republic will then build trade posts to replace those razed.
*Winning a [[Casus_Belli#Free_Captives|Free Captives]] war extracts funds.
*Winning an [[Casus_Belli#Extort_tribute|Extort Tribute]] war forces the defender to pay 40% of their income until your death. Other types of tributaries provide less income but persist through succession.
*Winning a defensive war usually results in payments of reparations. The defender's computed income may be largest if you avoid occupying their demesne.

Simply fighting a war can increase your wealth as well:
*Sieges result in a small amount of gold, and captured nobles will ransom themselves.  
*As a Catholic, fighting wars against heathens might earn you some funding from the Papacy as well.  However, because you're employing the levies in the first place, this is not always cost-effective (unless you exclusively use levies from your vassals, which presents its own set of problems). 

But money can also be lost through conflict:
*If provinces are sieged or raided, you and your vassals lose tax income, and recovery can take a long time.
*With {{icon|trd}}''The Reaper's Due'' DLC, prolonged sieges/occupation also decrease [[prosperity]].

===Raiding and pillaging===
Pagan, Norse-cultured, or nomadic rulers, and all independent and some vassal tribal rulers, can [[raid]] neighbouring counties for gold and prestige, or any coastal county if they have ships. Raiding armies cost only 10% of regular maintenance when otherwise at peace, and need not be large enough to siege holdings (known as ''sacking'' in this case), but successful sieges by raiders (at most once every three years) do give you much more gold. 

For tribal rulers, raids on rich, but poorly defended and fortified counties are the best way to quickly make money, and a good way to raise much-needed prestige. However, beware of your target's armies - if they engage your raiders and win, you won't get any gold, and won't be able to raid the target realm again for five years. Even after your raid has concluded, the target realm's armies will remain hostile to you for half a year.

Tribal and nomadic rulers can also [[pillage]] holdings they control, slowly destroying them (two building levels every six months, or once every ten years for occupied enemy holdings) until no buildings are left, at which point the holding slot becomes empty. This has the following benefits:
* 50 gold (some [[population]] instead for nomads pillaging tribes) and five ''technology points'' per holding and pillaging tick)
* Tribal rulers: Increased income and levies per empty holding slot if there is a tribe holding in the same county
* Nomad rulers: Increased maximum population per empty holding slot, for more potential nomad tax and horde troops
* The land becomes effectively useless for feudal rulers, who will likely make little to no effort to claim it for themselves

Pillaging also raises revolt risk by a massive 30%, so you should keep some armies near counties where pillaging is in progress. The revolt risk does ''not'' stack when pillaging multiple holdings in the same county, though.

===Prisoners===
Imprison without tyranny:
*Battles
*Sieges
*Imprison plotters rather than politely asking them to stop.
**Imprisoning the vassal of a vassal is nearly risk-free. If the imprisonment fails, they will abdicate to their heir and flee.
*Imprison [[excommunication|excommunicated]] [[File:Excommunicated.png]] characters
*With the [[Intrigue focus]], spy on characters to uncover imprisonment reasons, or simply kidnap them

Turn prisoners into cash:
*[[Banish]] prisoners who are also your [[courtiers]], seizing all their cash.
**If they're not ''your'' courtier, try inviting their spouse to your court before banishing them.
*[[Ransom]] prisoners who have money or are closely related to landowners.

===继承判定===
*对于没有继承人的直属封臣死亡的情况判定：
**如果直属封臣去世而膝下无有效继承人，则领主头衔回到玩家手中。由玩家您继承头衔，金钱，宝具，近卫军和科研点数。
*对于富有的廷臣在你的宫廷里死亡而没有继承人的情况下：
**如果[[廷臣]]“没有父母”和“没有活着的后代”在你的宫廷里死亡，玩家就会继承他们的金钱。
**出身卑贱的宫廷成员往往很富有。 例如前市长/主教或是因圣战失败或被[剥夺头衔]而流离失所的这类人。

===Religious decisions===
These decisions require {{icon|soa}}[[Sons of Abraham]].

*Borrow from [[holy orders]].
*Borrow 300 gold from Jewish moneylenders.
**Expel Jews (if you are independent), cancelling the debt and giving even more gold (based on your yearly income). Be warned that this action will give your ruler the Arbitrary trait.
***After 20 years or a succession, welcome the Jews back (if you are king).
*Ask the [[Pope]] for money
** A Pope or [[Antipope]] with many virtues will collect taxes from more bishops

==Spending wealth==

Money can be spent in many ways, including:
*[[Construction]]
**Some new buildings generate income and pay for themselves over time
***[[Patrician]]s of [[merchant republic]]s can build [[trade post]]s to increase their income, as can anyone along the Silk Road
**Construction of new holdings and hospital buildings requires significant wealth
*[[War]]
** Supporting demesne [[levies]] costs money while they are raised
** Hiring [[mercenaries]] and reinforcing [[retinues]] costs even more
*Relations
**[[Bribes]] to increase opinion from other characters
**[[Favors]] to make specific requests from other characters
*Creating or [[usurp|peacefully usurping]] titles

As one can imagine, spending your wealth with the aim of further increasing it is a key part of gameplay.

==债务==

[[File:Alert_deficits.png]] 如果你的金钱为负数：
* 战争将变得十分困难：
** 你不能在破产时[[宣战]]。
** 你的军队士气将会下降。
** [[雇佣兵]]可能会逃跑，叛变，或者是决定入侵你的国土。
* [[Evil events|负面修正将会出现在你的直辖省份]]，形成长期的负面效果。
** '''强盗''' (即 '''无能的统治者''')增加叛乱风险
** '''盗贼工会'''降低直辖领收入
** '''拦路强盗'''减少征召兵规模和补给上限
** '''走私链'''减慢建筑时间并增加建筑花费，同时增加疾病风险
* 可能出现事件允许你借钱或者向封臣要钱

幸运的是，你的继承人不会继承你的债务。但是，继承人会继承直辖省份的负面修正。

== Summary ==

Through several different methods, you can increase your income, but if you're not careful, you won't get any (or much) use out of it.
* Construct [[building]]s.
* Without Conclave: find a suitable tax level. Balance it between good opinion and high taxes. Remember that you need good opinion for high vassal levies.
* If you get the opportunity (as a Catholic ruler), appoint an [[antipope]].
* Research relevant [[technology]].
* [[Creating vassal republics|Create vassal republics]].
* Take control of the [[Silk Road]] for your Demense.

[[Category:Holdings]]
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