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+ | {{GenTabber|btd6=IMF Loan|btdb2=IMF Loan (BTDB2)}} |
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− | {{quote|IMF Loan ability: Gives you $10,000 but you have to pay it back over time.|In-game description}} |
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+ | {{Infobox_Upgrade |
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− | {{Infobox_Upgrade|name = IMF Loan|image=IMF Loan.png|thumb|game = Bloons Tower Defense 6|tower = Banana Farm|path = Path 2|upgrade = 4 |
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+ | |name = {{PAGENAME}} |
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− | |cost = $TBA ([[Easy Difficulty|Easy]])<br />$7,500 ([[Medium Difficulty|Medium]])<br />$8,100 ([[Hard Difficulty|Hard]])<br />$9,000 ([[Impoppable Difficulty|Impoppable]]|unlocked = 20,000 XP}} |
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+ | |image = 040-BananaFarm.png |
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− | '''IMF Loan''' is the Path 2, Tier 4 upgrade of the [[Banana Farm]] in [[BTD6]]. In addition to a bigger bank capacity of $10,000 ($12,500 with the Monkey Knowledge "Bigger Banks"), the IMF Loan has a special ability where, upon activation, the player is loaned $10,000, at the cost that half of the player's earnings to go into paying it off gradually. The special ability has a cooldown time of 90 seconds, and additionally can't be used until the loan is entirely paid off. |
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+ | |game = [[Bloons TD 6]] |
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+ | |tower = [[Banana Farm]] |
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+ | |path = 2 |
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+ | |upgrade = 4 |
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+ | |cost = {{#Invoke:PricesBTD6|Sentence|Banana Farm|040|Infobox}} |
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+ | |unlocked = 20,000 XP |
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+ | |ability = {{audio|UIGetGold.ogg}} IMF Loan |
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+ | |damage type = {{TypePassive}} Passive<br />{{Spawn|auto-generates banana "projectiles" and stores them into its bank account}} Spawn 6x |
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+ | |ability damage type = {{TypePassive}} Passive<br />{{Spawn|gives a loan with loan interest}} Spawn<br />{{BonusIncome}} Bonus Income |
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+ | |other damage type = '''Bank Interest:'''<br />{{TypePassive}} Passive<br />{{Spawn|increases stored bank account cash by interest percentage}} Spawn<br /><br />'''Withdraw:'''<br />{{TypePassive}} Passive<br />{{Spawn|empties out bank account}} Spawn<br />{{BonusIncome}} Bonus Income |
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+ | |damage = N/A |
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+ | |pierce = N/A |
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+ | |attackspeed = N/A |
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+ | |range = 40 |
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+ | |statuseffects = N/A |
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+ | |towerboosts = N/A |
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+ | |incomeboosts = While current bank's account capacity is not full ($10,000):<br />+$56.25 per bank pay (0/3/x), 4 automatic bank pays (lifespan: N/A), generated within round ($225($233 MK) per round)<br />+$45.833 per bank pay (1/3/0), 6 automatic bank pays (lifespan: N/A), generated within round ($275($286 MK) per round)<br />+$40.625 per bank pay (2/3/0), 8 automatic bank pays (lifespan: N/A), generated within round ($325($338 MK) per round), affected by {{MK Icon|More Valuable Bananas}}<!--If this gets patched, please remove the MK point affecting bank--><br />+$(n * 0.15), where n is current bank balance<br /><br />When withdrawn bank balance:<br />+$(n), where n is current bank balance<br /><br />When selected IMF Loan is not in debt<br />+$9,000 per ability use, straight to in-game cash balance rather than bank account<br />Income penalty of -$9,000 value debt (income gain from all sources reduced to 50%) |
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+ | |camo = No |
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+ | |targeting = [[Collect]], [[Collect All]], [[Bank Deposits]] with [[Monkey Knowledge (BTD6)|MK]] |
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+ | |image-previous = MonkeyBankUpgradeIcon.png |
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+ | |previous = [[Monkey Bank (BTD6)|Monkey Bank]] |
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+ | |previouslink = Monkey Bank (BTD6) |
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+ | |image-current = IMFLoanUpgradeIcon.png |
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+ | |image-next = MonkeyNomicsUpgradeIcon.png |
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+ | |next = [[Monkey-Nomics]] |
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+ | }} |
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+ | {{quote|IMF Loan ability: Gives you $9,000 but you have to pay it back over time.|In-game description}} |
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+ | '''{{PAGENAME}}''' is the fourth upgrade of Path 2 for the [[Banana Farm (BTD6)|Banana Farm]] in [[Bloons TD 6]]. In addition to a bigger bank capacity of $10,000 ($12,500 with the {{MK Icon|Bigger Banks}} MK), the IMF Loan has an [[Activated Abilities (BTD6)|activated ability]] where, upon activation, the player is loaned $9,000 ($10,000 with {{MK Icon|Backroom Deals}}), at the cost of accruing [[debt]]. When in debt, 50% of the player's earnings go into paying it off gradually (cost of 40% earnings with {{MK Icon|Backroom Deals}}). IMF Loan abilities can still be activated while the player is in debt, but each subsequent IMF Loan ability usage gives only $4,500 usable credit ($6,000 with Backroom Deals) and $4,500 additional debt ($4,000 with Backroom Deals), as 50% (40%) of each subsequent loan goes toward paying off previous loans, and therefore has no effect. |
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+ | The activated ability has a cooldown time of 85 seconds, and additionally cannot be used until the loan is entirely paid off. Like all income-only abilities, IMF Loan can only be used a limited number of times per round and the ability is unusable after 3 minutes since the start of a round. The ability can only be used up to two times per round per IMF Loan, unless sold and rebought. |
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− | ==IMF Loan Ability== |
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− | Upon activation, the player will receive $10,000 but at the cost of $10,000 debt. The ability will recharge after 90 seconds, but can only be activated again if all of that IMF Loan Bank's debt is paid off. Both the loan and the debt will increase to $12,000 with the Monkey Knowledge "Backdoor Deals". |
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+ | IMF Loan's ability is not affected by any income-increasing buffs such as [[Monkey City]]. |
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− | How the "debt" works is that 50% of all income gained (40% of all income gain with Backroom Deals) from all sources will be used to pay off the debt. The amount of income used to pay off the debt is paid off onto the first IMF Loan that owes money, and then onto any other subsequent in-debt IMF Loans after paying off the first IMF Loan. The in-debt penalty will remain until all of the debt is paid off from all IMF Banks. The amount of debt is displayed to the right of the cash counter on the top of the screen. The amount of debt of a certain IMF Loan Bank is shown in the respective IMF Loan Bank. Note that you can still sell an IMF Loan Bank while any of the loans are in debt (including itself), but the loan debt will remain until fully paid off. Fortunately, it is impossible to lose as a result of not paying off IMF Loan debts because bankruptcy is non-existent in BTD6. |
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+ | {{#Invoke:PricesBTD6|Sentence|Banana Farm|040}} |
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− | Unlike normal loans, the player cannot manually pay off the debt of a certain IMF Loan Bank. |
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− | == |
+ | ==Description== |
+ | ===Overview=== |
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− | IMF Loan is a tricky ability to master, as though it is an ability explicitly about gaining money in a large burst, it effectively cancels out the profit with the penalty of a loan which halves the gains of all revenue sources by paying itself off, leading to an ability that has a net total of zero change in the long-run. |
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+ | [[file:imf ability default.png|thumb|IMF Loan ability activated. Note the cash gain and the accompanied debt]] |
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+ | IMF Loan is a large blue-grey office building with yellow windows and a small entrance flanked by grey stone pillars, with steps leading up to the actual doorway. On the roof is a banana logo attached to a semicircular extension, as well as a small metal chimney. |
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+ | Top Path crosspathing adds grey/gold stones around the foundation. Bottom Path crosspathing adds wooden, then cyan crates with a banana logo at the front of the building. |
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− | However, the use of the ability can be one of the most powerful in some regards, as it provides the player with a powerful utility: sudden income for panic purchases or reinvestment into other Banana Farms. For the former, having an extra $10,000 to use in the now can be a major game changer, providing a large portion of cash for the cost of expensive, powerful towers, potentially allowing a defense to hold out where waiting for $10,000 to come naturally would be irrelevent since the player would have lost the game. |
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+ | The IMF Loan offers greater capability to handle money, from a larger bank account, to the capability to loan a sum of cash at the drawback of [[debt]], and the capability to deposit money (available only via {{MK|Bank Deposits}}). |
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− | The latter on the other hand provide a high risk in crippling economic gains in favor for long-term revenue, but can help to pay off the debt the ability itself creates. This can also be seen with the use of the ability to upgrade the IMF Loan building itself into a [[Monkey-Nomics]] building, providing anywhere from an eighth to one twelfth of the total cost depending on difficulty cost modifier, as well as opening the Tier 5 ability to help pay off the resulting debt quickly. |
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+ | ===Targeting Priorities=== |
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− | One important factor that can help increase the effectivity of the IMF Loan ability is a piece of [[Monkey Knowledge]], being Backroom Deals. With Backroom Deals, $12,000 is loaned off at a time, effectively increasing the potency of the ability by 20%. This also is compounded with a 40% payoff rate and the resulting $12,000 debt, making payoff much longer but also far less taxing if more money is required during the payoff period. With this in play, it exacerbates both positives and negatives of the ability, though the benefit far outweighs the damage, as an extra $2,000 can allow for earlier high-cost purchases on revenue building towers and set up for a heavily prepared late game. |
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+ | IMF Loan, which stores money in its bank account similarly to its preceding upgrade [[Monkey Bank (BTD6)|Monkey Bank]], does not have a real targeting priority. Instead, it has different buttons that alter its behavior. |
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+ | IMF Loan comes with two "targeting priorities" by default: [[Collect]], and Collect All. "Collect" withdraws all money from the current IMF Loan, while "Collect All" withdraws all money from all Banks (including IMF Loans) on screen. If the {{MK Icon|Bank Deposits}} MK is enabled, IMF Loan also receives the Deposit button, which deposits money into the IMF Loan's bank account. |
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− | ==Update History== |
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− | ;4.0 |
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− | {{buff}} Cost of IMF Loan is cheaper ($12000 --> $7500) |
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+ | ===IMF Loan Ability=== |
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− | ;8.0 |
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+ | {{SeeAlso|Activated Abilities (BTD6)#IMF Loan}} |
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− | {{nerf}} IMF Loan ability (along with other income-based abilities) now undergo the full initial cooldown before initial ability usage |
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+ | [[file:IMFLoanUpgradeIcon.png|thumb|IMF Loan Ability]] |
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+ | |||
+ | Upon activation, the player will receive $9,000 but at the cost of $9,000 [[debt]]. The ability will recharge after 90 seconds, but can only be activated again if all of that IMF Loan Bank's debt is paid off. Both the loan and the debt will increase to $10,000 with the {{MK Icon|Backroom Deals}} MK. |
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+ | |||
+ | How the "debt" works is that 50% of all income gained (40% of all income gain with Backroom Deals) from all sources will be used to pay off the debt. The amount of income used to pay off the debt is paid off onto the first IMF Loan that owes money and then onto any other subsequent in-debt IMF Loans after paying off the first IMF Loan. The in-debt penalty will remain until all of the debt is paid off from all IMF Banks. The amount of debt is displayed to the right of the cash counter on the top of the screen. The amount of debt of a certain IMF Loan Bank is shown in the respective IMF Loan Bank. Note that the player can still sell an IMF Loan Bank while any of the loans are in debt (including itself), but the loan debt will remain until fully paid off. Fortunately, it is impossible to lose as a result of not paying off IMF Loan debts because bankruptcy is not a lose condition. |
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+ | |||
+ | Unlike normal loans, the player cannot manually pay off the debt of a certain IMF Loan Bank. However the total debt can be paid off quickly by repeatedly depositing and withdrawing from any bank using [[Bank Deposits]]. |
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+ | |||
+ | The ability cannot be used if the player still has debt from the same IMF Loan Bank. |
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+ | |||
+ | ===Costs=== |
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+ | {{#Invoke:PricesBTD6|Table|Banana Farm|040}} |
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+ | |||
+ | ==Strategy== |
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+ | ===Summary=== |
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+ | IMF Loan offers a tricky ability to master, as though its ability explicitly about gaining money in a large burst, it effectively cancels out the profit with the penalty of a loan which halves the gains of all revenue sources (including other IMF Loan abilities) by paying itself off, leading to an ability with zero sum profit if the player does not reinvest the cash. |
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+ | |||
+ | The IMF Loan provides the player with a powerful utility: instant income for instant purchasing power or reinvestment into more IMF Loans. This is typically great for Ranked Boss, as it can potentially provide the player with extreme amounts of cash by round 40. The downside is that the debt is a significant detriment for later tiers, as income gain is reduced by 40% with {{MK Icon|Backroom Deals}}, 50% without the MK point. This same point also raises the cash gained per loan from $9,000 to $10,000, making the IMF Loan more productive overall. |
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+ | |||
+ | Another important part of IMF Loan are {{MK|Bank Deposits}} via [[Monkey Knowledge (BTD6)|Monkey Knowledge]]. It allows manual depositing of cash into the IMF Loan, which gains interest after holding the bank deposit for at least 2 rounds. In turn, proper bank deposits maximizes the IMF Loan's income, with constant micromanagement. Such benefit is maximized on Ranked [[Boss Bloon Event (BTD6)|Boss Bloon Event]]s that enable MK. Without this MK, it is not worth using the IMF Loan. |
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+ | |||
+ | Note that using multiple loans at once will grant $9,000/$10,000 from the first ability, but each subsequent loan will be affected by other loan's debt, granting $4,500 ($6,000 with Backroom Deals) and will only increase the total loan by $4,500 ($6,000 with Backroom Deals) rather than $9,000/10,000, assuming it must pay off maximum debt. This value can be higher if debt is below this. |
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+ | |||
+ | Only one loan can be paid off at a time, and any large singular sum, primarily selling towers, that exceeds this debt will directly go to the player without paying off additional loans at a 50%/40% rate. This is actually a key strategy in ranked Boss events, and gives more value to very expensive towers, such as [[Plasma Monkey Fan Club (BTD6)|Plasma Monkey Fan Club]]. |
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+ | |||
+ | ===Efficiency=== |
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+ | The following are tables regarding the income production rate of the normal Monkey Bank function of the IMF Loan upgrade. In general, it has a higher bank capacity but a similar income production rate to Monkey Bank. As such, its bank functionality does not become more efficient than Monkey Bank until its own bank balance surpasses the Monkey Bank's maximum bank capacity. |
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+ | |||
+ | ====Income earning per round (35.0-Present)==== |
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+ | Version 35.0 secretly changed the total amount of income per round the income packets generate, in addition to accepting all external buffs that increase income (mainly [[Monkey City]]). |
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+ | |||
+ | Instead of $230/$270/$310 per round, the Bank now produces $225/$274/$325 per round, ignoring the added interest applied afterwards. Also, {{MK|More Valuable Bananas}} now increases income generation of each cash packet. |
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+ | |||
+ | Also assumes that the {{MK Icon|Bigger Banks}} MK is active. |
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+ | |||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="width:100%;font-size:85%;border:2px solid gray;" |
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+ | |+ IMF Loan + {{MK|More Valuable Bananas}} |
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+ | |- |
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+ | ! scope="row" style="text-align:center; width:100px"|Round number |
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+ | ! scope="row" style="text-align:center;"|0/4/x |
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+ | ! scope="row" style="text-align:center;"|'''1/4/0''' |
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+ | ! scope="row" style="text-align:center;"|2/4/0 |
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+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 5 |
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+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 5 |
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+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 5 |
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+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 9 |
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+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 9 |
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+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 9 |
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+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
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+ | | style="text-align:center;" |$269 |
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+ | | style="text-align:center;" |$328 |
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+ | | style="text-align:center;" |$388 |
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+ | | style="text-align:center;" |$279 |
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+ | | style="text-align:center;" |$341 |
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+ | | style="text-align:center;" |$403 |
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+ | | style="text-align:center;" |$293 |
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+ | | style="text-align:center;" |$359 |
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+ | | style="text-align:center;" |$424 |
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+ | |- |
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+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |$578 |
||
+ | | style="text-align:center;" |$707 |
||
+ | | style="text-align:center;" |$835 |
||
+ | | style="text-align:center;" |$530 |
||
+ | | style="text-align:center;" |$677 |
||
+ | | style="text-align:center;" |$817 |
||
+ | | style="text-align:center;" |$558 |
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+ | | style="text-align:center;" |$712 |
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+ | | style="text-align:center;" |$859 |
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+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;" |$934 |
||
+ | | style="text-align:center;" |$1142 |
||
+ | | style="text-align:center;" |$1349 |
||
+ | | style="text-align:center;" |$959 |
||
+ | | style="text-align:center;" |$1177 |
||
+ | | style="text-align:center;" |$1394 |
||
+ | | style="text-align:center;" |$1009 |
||
+ | | style="text-align:center;" |$1238 |
||
+ | | style="text-align:center;" |$1466 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |$1550 |
||
+ | | style="text-align:center;" |$1894 |
||
+ | | style="text-align:center;" |$1940 |
||
+ | | style="text-align:center;" |$1383 |
||
+ | | style="text-align:center;" |$1695 |
||
+ | | style="text-align:center;" |$2006 |
||
+ | | style="text-align:center;" |$1455 |
||
+ | | style="text-align:center;" |$1783 |
||
+ | | style="text-align:center;" |$2110 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |$1814 |
||
+ | | style="text-align:center;" |$2217 |
||
+ | | style="text-align:center;" |$2620 |
||
+ | | style="text-align:center;" |$1800 |
||
+ | | style="text-align:center;" |$2234 |
||
+ | | style="text-align:center;" |$2661 |
||
+ | | style="text-align:center;" |$1893 |
||
+ | | style="text-align:center;" |$2350 |
||
+ | | style="text-align:center;" |$2799 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|6 |
||
+ | | style="text-align:center;" |$2355 |
||
+ | | style="text-align:center;" |$2879 |
||
+ | | style="text-align:center;" |$3402 |
||
+ | | style="text-align:center;" |$2349 |
||
+ | | style="text-align:center;" |$2911 |
||
+ | | style="text-align:center;" |$3463 |
||
+ | | style="text-align:center;" |$2471 |
||
+ | | style="text-align:center;" |$3062 |
||
+ | | style="text-align:center;" |$3643 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|7 |
||
+ | | style="text-align:center;" |$2978 |
||
+ | | style="text-align:center;" |$3639 |
||
+ | | style="text-align:center;" |$4301 |
||
+ | | style="text-align:center;" |$3051 |
||
+ | | style="text-align:center;" |$3746 |
||
+ | | style="text-align:center;" |$4437 |
||
+ | | style="text-align:center;" |$3209 |
||
+ | | style="text-align:center;" |$3940 |
||
+ | | style="text-align:center;" |$4667 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|8 |
||
+ | | style="text-align:center;" |$3693 |
||
+ | | style="text-align:center;" |$4514 |
||
+ | | style="text-align:center;" |$5335 |
||
+ | | style="text-align:center;" |$3788 |
||
+ | | style="text-align:center;" |$4650 |
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+ | | style="text-align:center;" |$5509 |
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+ | | style="text-align:center;" |$3985 |
||
+ | | style="text-align:center;" |$4891 |
||
+ | | style="text-align:center;" |$5792 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|9 |
||
+ | | style="text-align:center;" |$4517 |
||
+ | | style="text-align:center;" |$5520 |
||
+ | | style="text-align:center;" |$6524 |
||
+ | | style="text-align:center;" |$4636 |
||
+ | | style="text-align:center;" |$5689 |
||
+ | | style="text-align:center;" |$6736 |
||
+ | | style="text-align:center;" |$4877 |
||
+ | | style="text-align:center;" |$5984 |
||
+ | | style="text-align:center;" |$7085 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|10 |
||
+ | | style="text-align:center;" |$5463 |
||
+ | | style="text-align:center;" |$6677 |
||
+ | | style="text-align:center;" |$7892 |
||
+ | | style="text-align:center;" |$5611 |
||
+ | | style="text-align:center;" |$6884 |
||
+ | | style="text-align:center;" |$8150 |
||
+ | | style="text-align:center;" |$5902 |
||
+ | | style="text-align:center;" |$7241 |
||
+ | | style="text-align:center;" |$8573 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|11 |
||
+ | | style="text-align:center;" |$6552 |
||
+ | | style="text-align:center;" |$8008 |
||
+ | | style="text-align:center;" |$9464 |
||
+ | | style="text-align:center;" |$6732 |
||
+ | | style="text-align:center;" |$8258 |
||
+ | | style="text-align:center;" |$9776 |
||
+ | | style="text-align:center;" |$7082 |
||
+ | | style="text-align:center;" |$8686 |
||
+ | | style="text-align:center;" |$10,283 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|12 |
||
+ | | style="text-align:center;" |$7804 |
||
+ | | style="text-align:center;" |$9538 |
||
+ | | style="text-align:center;" |$11,272 |
||
+ | | style="text-align:center;" |$8022 |
||
+ | | style="text-align:center;" |$9838 |
||
+ | | style="text-align:center;" |$11,647 |
||
+ | | style="text-align:center;" |$8438 |
||
+ | | style="text-align:center;" |$10,348 |
||
+ | | style="text-align:center;" |$12,251 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|13 |
||
+ | | style="text-align:center;" |$9244 |
||
+ | | style="text-align:center;" |$11,298 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |$9505 |
||
+ | | style="text-align:center;" |$11,655 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |$9997 |
||
+ | | style="text-align:center;" |$12,260 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|14 |
||
+ | | style="text-align:center;" |$10,899 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |$11,210 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |$11,791 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|15 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|Profit Per Round (1 round Early) |
||
+ | | style="text-align:center;" |$778.5 |
||
+ | | style="text-align:center;" |$869 |
||
+ | | style="text-align:center;" |$939 |
||
+ | | style="text-align:center;" |$801 |
||
+ | | style="text-align:center;" |$896.5 |
||
+ | | style="text-align:center;" |$971 |
||
+ | | style="text-align:center;" |$842 |
||
+ | | style="text-align:center;" |$943 |
||
+ | | style="text-align:center;" |$1021 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|Profit Per Round (Capped) |
||
+ | | style="text-align:center;" |$833 |
||
+ | | style="text-align:center;" |$893 |
||
+ | | style="text-align:center;" |$961.5 |
||
+ | | style="text-align:center;" |$833 |
||
+ | | style="text-align:center;" |$893 |
||
+ | | style="text-align:center;" |$962 |
||
+ | | style="text-align:center;" |$833 |
||
+ | | style="text-align:center;" |$893 |
||
+ | | style="text-align:center;" |$961.5 |
||
+ | |} |
||
+ | |||
+ | And with City buff, with the post-v36.0 Monkey City that raises cash gain by +20% instead of +15%: |
||
+ | |||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="width:100%;font-size:85%;border:2px solid gray;" |
||
+ | |+ IMF Loan + Monkey City +20% Income + {{MK|More Valuable Bananas}} |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px"|Round number |
||
+ | ! scope="row" style="text-align:center;"|0/4/x |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 9 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
||
+ | | style="text-align:center;" |$310 |
||
+ | | style="text-align:center;" |$379 |
||
+ | | style="text-align:center;" |$448 |
||
+ | | style="text-align:center;" |$320 |
||
+ | | style="text-align:center;" |$392 |
||
+ | | style="text-align:center;" |$463 |
||
+ | | style="text-align:center;" |$335 |
||
+ | | style="text-align:center;" |$409 |
||
+ | | style="text-align:center;" |$484 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |$667 |
||
+ | | style="text-align:center;" |$815 |
||
+ | | style="text-align:center;" |$964 |
||
+ | | style="text-align:center;" |$609 |
||
+ | | style="text-align:center;" |$777 |
||
+ | | style="text-align:center;" |$938 |
||
+ | | style="text-align:center;" |$637 |
||
+ | | style="text-align:center;" |$812 |
||
+ | | style="text-align:center;" |$980 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;" |$1078 |
||
+ | | style="text-align:center;" |$1317 |
||
+ | | style="text-align:center;" |$1557 |
||
+ | | style="text-align:center;" |$1102 |
||
+ | | style="text-align:center;" |$1351 |
||
+ | | style="text-align:center;" |$1600 |
||
+ | | style="text-align:center;" |$1151 |
||
+ | | style="text-align:center;" |$1412 |
||
+ | | style="text-align:center;" |$1672 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |$1343 |
||
+ | | style="text-align:center;" |$1642 |
||
+ | | style="text-align:center;" |$1940 |
||
+ | | style="text-align:center;" |$1588 |
||
+ | | style="text-align:center;" |$1946 |
||
+ | | style="text-align:center;" |$2304 |
||
+ | | style="text-align:center;" |$1660 |
||
+ | | style="text-align:center;" |$2034 |
||
+ | | style="text-align:center;" |$2408 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |$2093 |
||
+ | | style="text-align:center;" |$2558 |
||
+ | | style="text-align:center;" |$3023 |
||
+ | | style="text-align:center;" |$2067 |
||
+ | | style="text-align:center;" |$2565 |
||
+ | | style="text-align:center;" |$3055 |
||
+ | | style="text-align:center;" |$2160 |
||
+ | | style="text-align:center;" |$2681 |
||
+ | | style="text-align:center;" |$3193 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|6 |
||
+ | | style="text-align:center;" |$2718 |
||
+ | | style="text-align:center;" |$3322 |
||
+ | | style="text-align:center;" |$3926 |
||
+ | | style="text-align:center;" |$2698 |
||
+ | | style="text-align:center;" |$3342 |
||
+ | | style="text-align:center;" |$3977 |
||
+ | | style="text-align:center;" |$2819 |
||
+ | | style="text-align:center;" |$3493 |
||
+ | | style="text-align:center;" |$4156 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|7 |
||
+ | | style="text-align:center;" |$3436 |
||
+ | | style="text-align:center;" |$4199 |
||
+ | | style="text-align:center;" |$4963 |
||
+ | | style="text-align:center;" |$3503 |
||
+ | | style="text-align:center;" |$4301 |
||
+ | | style="text-align:center;" |$5095 |
||
+ | | style="text-align:center;" |$3662 |
||
+ | | style="text-align:center;" |$4495 |
||
+ | | style="text-align:center;" |$5325 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|8 |
||
+ | | style="text-align:center;" |$4262 |
||
+ | | style="text-align:center;" |$5209 |
||
+ | | style="text-align:center;" |$6156 |
||
+ | | style="text-align:center;" |$4350 |
||
+ | | style="text-align:center;" |$5339 |
||
+ | | style="text-align:center;" |$6322 |
||
+ | | style="text-align:center;" |$4546 |
||
+ | | style="text-align:center;" |$5580 |
||
+ | | style="text-align:center;" |$6608 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|9 |
||
+ | | style="text-align:center;" |$5212 |
||
+ | | style="text-align:center;" |$6370 |
||
+ | | style="text-align:center;" |$7528 |
||
+ | | style="text-align:center;" |$5323 |
||
+ | | style="text-align:center;" |$6532 |
||
+ | | style="text-align:center;" |$7734 |
||
+ | | style="text-align:center;" |$5564 |
||
+ | | style="text-align:center;" |$6827 |
||
+ | | style="text-align:center;" |$8083 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|10 |
||
+ | | style="text-align:center;" |$6304 |
||
+ | | style="text-align:center;" |$7705 |
||
+ | | style="text-align:center;" |$9106 |
||
+ | | style="text-align:center;" |$6443 |
||
+ | | style="text-align:center;" |$7903 |
||
+ | | style="text-align:center;" |$9358 |
||
+ | | style="text-align:center;" |$6734 |
||
+ | | style="text-align:center;" |$8260 |
||
+ | | style="text-align:center;" |$9780 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|11 |
||
+ | | style="text-align:center;" |$7560 |
||
+ | | style="text-align:center;" |$9240 |
||
+ | | style="text-align:center;" |$10920 |
||
+ | | style="text-align:center;" |$7730 |
||
+ | | style="text-align:center;" |$9481 |
||
+ | | style="text-align:center;" |$11,225 |
||
+ | | style="text-align:center;" |$8079 |
||
+ | | style="text-align:center;" |$9909 |
||
+ | | style="text-align:center;" |$11,732 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|12 |
||
+ | | style="text-align:center;" |$9005 |
||
+ | | style="text-align:center;" |$11006 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |$9210 |
||
+ | | style="text-align:center;" |$11,296 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |$9626 |
||
+ | | style="text-align:center;" |$11,806 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|13 |
||
+ | | style="text-align:center;" |$10,666 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |$10,913 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |$11,406 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|14 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|Profit Per Round (1 round Early) |
||
+ | | style="text-align:center;" |$762 |
||
+ | | style="text-align:center;" |$847 |
||
+ | | style="text-align:center;" |$910 |
||
+ | | style="text-align:center;" |$839.5 |
||
+ | | style="text-align:center;" |$941 |
||
+ | | style="text-align:center;" |$1020.5 |
||
+ | | style="text-align:center;" |$877 |
||
+ | | style="text-align:center;" |$984 |
||
+ | | style="text-align:center;" |$1066.5 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|Profit Per Round (Capped) |
||
+ | | style="text-align:center;" |$893 |
||
+ | | style="text-align:center;" |$961.5 |
||
+ | | style="text-align:center;" |$1042 |
||
+ | | style="text-align:center;" |$893 |
||
+ | | style="text-align:center;" |$961.5 |
||
+ | | style="text-align:center;" |$1042 |
||
+ | | style="text-align:center;" |$893 |
||
+ | | style="text-align:center;" |$961.5 |
||
+ | | style="text-align:center;" |$1042 |
||
+ | |} |
||
+ | |||
+ | ==== Bank Deposits MK (35.0-Present) ==== |
||
+ | Adding Bank Deposits will almost always increase profit per round. However, after some testing and calculating, the most efficient strategy has made itself apparent, '''''To save space in the table, assume that all farms have the 2-4-0 upgrade.''''' |
||
+ | |||
+ | The money is shown as the amount in the bank at the end of the round (after interest has been applied) and as if all deposits happened during the first round. |
||
+ | |||
+ | Calculations about the average profit per round for each scenario have been made. It is concluded it is more efficient to withdraw 1 round before the bank reaches its maximum capacity. Otherwise, the last interest payment is reduced due to the account balance hitting its cap of $12,500. The profit per round can be calculated by subtracting the amount deposited from the amount of money in the bank, then dividing by the number of rounds before withdrawing. |
||
+ | |||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="font-size:80%;width:100%;border:2px solid gray;" |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px" |2-4-0 Bank |
||
+ | ! scope="row" style="text-align:center;" |Deposit<br />6250 |
||
+ | ! scope="row" style="text-align:center;" |Deposit<br />6250 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;" |Deposit<br />6250 + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;" |Deposit<br />9375 |
||
+ | ! scope="row" style="text-align:center;" | |
||
+ | Deposit<br />9375+ [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;" |Deposit<br />9375 + [[Benjamin]] Lvl 9 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |1 |
||
+ | | style="text-align:center;" |$6,638 |
||
+ | | style="text-align:center;" |$6,653 |
||
+ | | style="text-align:center;" |$6,674 |
||
+ | | style="text-align:center;" |$9,763 |
||
+ | | style="text-align:center;" |$9,778 |
||
+ | | style="text-align:center;" |$9,799 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |2 |
||
+ | | style="text-align:center;" |$8,023 |
||
+ | | style="text-align:center;" |$8,055 |
||
+ | | style="text-align:center;" |$8,100 |
||
+ | | style="text-align:center;" |$11,616 |
||
+ | | style="text-align:center;" |$11,649 |
||
+ | | style="text-align:center;" |$11,694 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |3 |
||
+ | | style="text-align:center;" |$9,615 |
||
+ | | style="text-align:center;" |$9,667 |
||
+ | | style="text-align:center;" |$9,739 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |4 |
||
+ | | style="text-align:center;" |$11,446 |
||
+ | | style="text-align:center;" |$11,521 |
||
+ | | style="text-align:center;" |$11,625 |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |5 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |Profit Per Round (1 round Early) |
||
+ | | style="text-align:center;" |$1,299 |
||
+ | | style="text-align:center;" |~$1,318 |
||
+ | | style="text-align:center;" |~$1,343 |
||
+ | | style="text-align:center;" |$1,120.5 |
||
+ | | style="text-align:center;" |$1,137 |
||
+ | | style="text-align:center;" |$1,159.5 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;" |Profit Per Round (Capped) |
||
+ | | style="text-align:center;" |$1,250 |
||
+ | | style="text-align:center;" |$1,250 |
||
+ | | style="text-align:center;" |$1,250 |
||
+ | | style="text-align:center;" |~$1,042 |
||
+ | | style="text-align:center;" |~$1,042 |
||
+ | | style="text-align:center;" |~$1,042 |
||
+ | |} |
||
+ | |||
+ | ====Income earning per round (12.0-34.3)==== |
||
+ | As of Version 12.0, bank income bonus has decreased from +$160 to +$150 by default, including for IMF Loan. Therefore, instead of at least $240 per round, this income gain is decreased to at least $230 per round. |
||
+ | |||
+ | '''Note:''' The table assumes that the IMF Loan has been initially upgraded before the round starts and that the income is given as when after the round. |
||
+ | |||
+ | Also assume that no manual deposits from the [[Bank Deposits]] MK are done. |
||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="border:2px solid gray; font-size:80%; width:100%" |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px"|Round while full cash stored |
||
+ | ! scope="row" style="text-align:center;"|0/4/x |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 9 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
||
+ | | style="text-align:center;" |$265 |
||
+ | | style="text-align:center;" |$311 |
||
+ | | style="text-align:center;" |$357 |
||
+ | | style="text-align:center;" |$278 |
||
+ | | style="text-align:center;" |$326 |
||
+ | | style="text-align:center;" |$374 |
||
+ | | style="text-align:center;" |$296 |
||
+ | | style="text-align:center;" |$348 |
||
+ | | style="text-align:center;" |$399 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |$569 |
||
+ | | style="text-align:center;" |$668 |
||
+ | | style="text-align:center;" |$766 |
||
+ | | style="text-align:center;" |$597 |
||
+ | | style="text-align:center;" |$701 |
||
+ | | style="text-align:center;" |$805 |
||
+ | | style="text-align:center;" |$637 |
||
+ | | style="text-align:center;" |$748 |
||
+ | | style="text-align:center;" |$858 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;" |$918 |
||
+ | | style="text-align:center;" |$1078 |
||
+ | | style="text-align:center;" |$1238 |
||
+ | | style="text-align:center;" |$964 |
||
+ | | style="text-align:center;" |$1132 |
||
+ | | style="text-align:center;" |$1300 |
||
+ | | style="text-align:center;" |$1029 |
||
+ | | style="text-align:center;" |$1208 |
||
+ | | style="text-align:center;" |$1387 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |$1321 |
||
+ | | style="text-align:center;" |$1550 |
||
+ | | style="text-align:center;" |$1780 |
||
+ | | style="text-align:center;" |$1387 |
||
+ | | style="text-align:center;" |$1628 |
||
+ | | style="text-align:center;" |$1869 |
||
+ | | style="text-align:center;" |$1479 |
||
+ | | style="text-align:center;" |$1736 |
||
+ | | style="text-align:center;" |$1994 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |$1783 |
||
+ | | style="text-align:center;" |$2094 |
||
+ | | style="text-align:center;" |$2404 |
||
+ | | style="text-align:center;" |$1873 |
||
+ | | style="text-align:center;" |$2198 |
||
+ | | style="text-align:center;" |$2524 |
||
+ | | style="text-align:center;" |$1997 |
||
+ | | style="text-align:center;" |$2345 |
||
+ | | style="text-align:center;" |$2692 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|6 |
||
+ | | style="text-align:center;" |$2315 |
||
+ | | style="text-align:center;" |$2718 |
||
+ | | style="text-align:center;" |$3121 |
||
+ | | style="text-align:center;" |$2431 |
||
+ | | style="text-align:center;" |$2854 |
||
+ | | style="text-align:center;" |$3277 |
||
+ | | style="text-align:center;" |$2593 |
||
+ | | style="text-align:center;" |$3044 |
||
+ | | style="text-align:center;" |$3495 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|7 |
||
+ | | style="text-align:center;" |$2927 |
||
+ | | style="text-align:center;" |$3436 |
||
+ | | style="text-align:center;" |$3945 |
||
+ | | style="text-align:center;" |$3074 |
||
+ | | style="text-align:center;" |$3608 |
||
+ | | style="text-align:center;" |$4143 |
||
+ | | style="text-align:center;" |$3278 |
||
+ | | style="text-align:center;" |$3849 |
||
+ | | style="text-align:center;" |$4419 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|8 |
||
+ | | style="text-align:center;" |$3631 |
||
+ | | style="text-align:center;" |$4262 |
||
+ | | style="text-align:center;" |$4894 |
||
+ | | style="text-align:center;" |$3812 |
||
+ | | style="text-align:center;" |$4475 |
||
+ | | style="text-align:center;" |$5138 |
||
+ | | style="text-align:center;" |$4066 |
||
+ | | style="text-align:center;" |$4774 |
||
+ | | style="text-align:center;" |$5481 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|9 |
||
+ | | style="text-align:center;" |$4440 |
||
+ | | style="text-align:center;" |$5212 |
||
+ | | style="text-align:center;" |$5984 |
||
+ | | style="text-align:center;" |$4662 |
||
+ | | style="text-align:center;" |$5473 |
||
+ | | style="text-align:center;" |$6289 |
||
+ | | style="text-align:center;" |$4973 |
||
+ | | style="text-align:center;" |$5837 |
||
+ | | style="text-align:center;" |$6702 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|10 |
||
+ | | style="text-align:center;" |$5370 |
||
+ | | style="text-align:center;" |$6304 |
||
+ | | style="text-align:center;" |$7238 |
||
+ | | style="text-align:center;" |$5639 |
||
+ | | style="text-align:center;" |$6620 |
||
+ | | style="text-align:center;" |$7600 |
||
+ | | style="text-align:center;" |$6015 |
||
+ | | style="text-align:center;" |$7061 |
||
+ | | style="text-align:center;" |$8107 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|11 |
||
+ | | style="text-align:center;" |$6440 |
||
+ | | style="text-align:center;" |$7560 |
||
+ | | style="text-align:center;" |$8681 |
||
+ | | style="text-align:center;" |$6762 |
||
+ | | style="text-align:center;" |$7938 |
||
+ | | style="text-align:center;" |$9115 |
||
+ | | style="text-align:center;" |$7213 |
||
+ | | style="text-align:center;" |$8468 |
||
+ | | style="text-align:center;" |$9722 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|12 |
||
+ | | style="text-align:center;" |$7671 |
||
+ | | style="text-align:center;" |$9005 |
||
+ | | style="text-align:center;" |$10339 |
||
+ | | style="text-align:center;" |$8054 |
||
+ | | style="text-align:center;" |$9455 |
||
+ | | style="text-align:center;" |$10856 |
||
+ | | style="text-align:center;" |$8591 |
||
+ | | style="text-align:center;" |$10086 |
||
+ | | style="text-align:center;" |$11580 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|13 |
||
+ | | style="text-align:center;" |$9086 |
||
+ | | style="text-align:center;" |$10666 |
||
+ | | style="text-align:center;" |$12246 |
||
+ | | style="text-align:center;" |$9540 |
||
+ | | style="text-align:center;" |$11200 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" |$10176 |
||
+ | | style="text-align:center;" |$11946 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|14 |
||
+ | | style="text-align:center;" |$10714 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" |$11249 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |$11999 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|15 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |} |
||
+ | <br style="clear:both" /> |
||
+ | |||
+ | As of Version 17.0, the buff to Monkey City allowed nearby income-producers, such as IMF Loans, to gain +10% more income per round. This applies for the income bonus, and it stacks on top of the current interest rate (in addition to interest buffs from Benjamin, if applicable). |
||
+ | |||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="border:2px solid gray; font-size:80%; width:100%" |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px"|Round while full cash stored<br />(plus 0/0/4 Village) |
||
+ | ! scope="row" style="text-align:center;"|0/4/x |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 9 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
||
+ | | style="text-align:center;" |$291 |
||
+ | | style="text-align:center;" |$342 |
||
+ | | style="text-align:center;" |$392 |
||
+ | | style="text-align:center;" |$305 |
||
+ | | style="text-align:center;" |$359 |
||
+ | | style="text-align:center;" |$412 |
||
+ | | style="text-align:center;" |$326 |
||
+ | | style="text-align:center;" |$383 |
||
+ | | style="text-align:center;" |$440 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |$626 |
||
+ | | style="text-align:center;" |$734 |
||
+ | | style="text-align:center;" |$843 |
||
+ | | style="text-align:center;" |$657 |
||
+ | | style="text-align:center;" |$771 |
||
+ | | style="text-align:center;" |$885 |
||
+ | | style="text-align:center;" |$701 |
||
+ | | style="text-align:center;" |$823 |
||
+ | | style="text-align:center;" |$945 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;" |$1010 |
||
+ | | style="text-align:center;" |$1186 |
||
+ | | style="text-align:center;" |$3558 |
||
+ | | style="text-align:center;" |$1061 |
||
+ | | style="text-align:center;" |$1245 |
||
+ | | style="text-align:center;" |$1430 |
||
+ | | style="text-align:center;" |$1132 |
||
+ | | style="text-align:center;" |$1329 |
||
+ | | style="text-align:center;" |$1526 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |$1453 |
||
+ | | style="text-align:center;" |$1705 |
||
+ | | style="text-align:center;" |$1958 |
||
+ | | style="text-align:center;" |$1525 |
||
+ | | style="text-align:center;" |$1791 |
||
+ | | style="text-align:center;" |$2056 |
||
+ | | style="text-align:center;" |$1628 |
||
+ | | style="text-align:center;" |$1911 |
||
+ | | style="text-align:center;" |$2194 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |$1962 |
||
+ | | style="text-align:center;" |$2303 |
||
+ | | style="text-align:center;" |$2644 |
||
+ | | style="text-align:center;" |$2060 |
||
+ | | style="text-align:center;" |$2418 |
||
+ | | style="text-align:center;" |$2776 |
||
+ | | style="text-align:center;" |$2198 |
||
+ | | style="text-align:center;" |$3350 |
||
+ | | style="text-align:center;" |$3846 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|6 |
||
+ | | style="text-align:center;" |$2547 |
||
+ | | style="text-align:center;" |$2990 |
||
+ | | style="text-align:center;" |$3433 |
||
+ | | style="text-align:center;" |$2674 |
||
+ | | style="text-align:center;" |$3139 |
||
+ | | style="text-align:center;" |$3604 |
||
+ | | style="text-align:center;" |$2854 |
||
+ | | style="text-align:center;" |$3350 |
||
+ | | style="text-align:center;" |$3846 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|7 |
||
+ | | style="text-align:center;" |$3220 |
||
+ | | style="text-align:center;" |$3780 |
||
+ | | style="text-align:center;" |$4340 |
||
+ | | style="text-align:center;" |$3381 |
||
+ | | style="text-align:center;" |$3969 |
||
+ | | style="text-align:center;" |$4557 |
||
+ | | style="text-align:center;" |$3608 |
||
+ | | style="text-align:center;" |$4235 |
||
+ | | style="text-align:center;" |$4862 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|8 |
||
+ | | style="text-align:center;" |$3994 |
||
+ | | style="text-align:center;" |$4688 |
||
+ | | style="text-align:center;" |$5383 |
||
+ | | style="text-align:center;" |$4194 |
||
+ | | style="text-align:center;" |$4923 |
||
+ | | style="text-align:center;" |$5652 |
||
+ | | style="text-align:center;" |$4475 |
||
+ | | style="text-align:center;" |$5253 |
||
+ | | style="text-align:center;" |$6031 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|9 |
||
+ | | style="text-align:center;" |$4884 |
||
+ | | style="text-align:center;" |$5733 |
||
+ | | style="text-align:center;" |$6583 |
||
+ | | style="text-align:center;" |$5128 |
||
+ | | style="text-align:center;" |$6020 |
||
+ | | style="text-align:center;" |$6912 |
||
+ | | style="text-align:center;" |$5472 |
||
+ | | style="text-align:center;" |$6423 |
||
+ | | style="text-align:center;" |$7375 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|10 |
||
+ | | style="text-align:center;" |$5907 |
||
+ | | style="text-align:center;" |$6935 |
||
+ | | style="text-align:center;" |$7962 |
||
+ | | style="text-align:center;" |$6203 |
||
+ | | style="text-align:center;" |$7281 |
||
+ | | style="text-align:center;" |$8360 |
||
+ | | style="text-align:center;" |$6619 |
||
+ | | style="text-align:center;" |$7769 |
||
+ | | style="text-align:center;" |$8920 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|11 |
||
+ | | style="text-align:center;" |$7084 |
||
+ | | style="text-align:center;" |$8316 |
||
+ | | style="text-align:center;" |$9549 |
||
+ | | style="text-align:center;" |$7439 |
||
+ | | style="text-align:center;" |$8732 |
||
+ | | style="text-align:center;" |$10026 |
||
+ | | style="text-align:center;" |$7938 |
||
+ | | style="text-align:center;" |$9317 |
||
+ | | style="text-align:center;" |$10697 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|12 |
||
+ | | style="text-align:center;" |$8438 |
||
+ | | style="text-align:center;" |$9906 |
||
+ | | style="text-align:center;" |$11373 |
||
+ | | style="text-align:center;" |$8860 |
||
+ | | style="text-align:center;" |$10401 |
||
+ | | style="text-align:center;" |$11942 |
||
+ | | style="text-align:center;" |$9455 |
||
+ | | style="text-align:center;" |$11097 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|13 |
||
+ | | style="text-align:center;" |$9995 |
||
+ | | style="text-align:center;" |$11733 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" |$10494 |
||
+ | | style="text-align:center;" |$12320 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" |$11199 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|14 |
||
+ | | style="text-align:center;" |$11785 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |$12374 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|15 |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" |'''$12500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |} |
||
+ | <br style="clear:both" /> |
||
+ | |||
+ | ====Bank Deposits MK (19.0 onwards)==== |
||
+ | Adding Bank Deposits will almost always increase profit per round. However, after some testing and calculating, the most efficient strategy has made itself apparent, '''''To save space in the table, assume that all farms have the 2-4-0 upgrade.''''' |
||
+ | |||
+ | The money is shown as the amount in the bank at the end of the round (after interest has been applied) and as if all deposits happened during the first round. |
||
+ | |||
+ | Calculations about the average profit per round for each scenario have been made. It is concluded it is more efficient to withdraw 1 round before the bank reaches its maximum capacity. Otherwise, the last interest payment is reduced due to the account balance hitting its cap of $12,500. The profit per round can be calculated by subtracting the amount deposited from the amount of money in the bank, then dividing by the number of rounds before withdrawing. |
||
+ | |||
+ | Example math: 2-3-0 bank after depositing 4750. withdrawing at the end of round 4.<br />9004-4750 = 4254,<br />4254 / 4 rounds = 1,063.5, rounded to ~1,064 per round |
||
+ | |||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="font-size:80%;width:100%;border:2px solid gray;" |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px"|2-4-0 Bank |
||
+ | ! scope="row" style="text-align:center;"|Deposit<br />6250 |
||
+ | ! scope="row" style="text-align:center;"|Deposit<br />6250 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|Deposit<br />6250 + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|Deposit<br />9375 |
||
+ | ! scope="row" style="text-align:center;"| |
||
+ | Deposit<br />9375+ [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|Deposit<br />9375 + [[Benjamin]] Lvl 9 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
||
+ | | style="text-align:center;" |$6,607 |
||
+ | | style="text-align:center;" |$6,624 |
||
+ | | style="text-align:center;" |$6,649 |
||
+ | | style="text-align:center;" |$9,732 |
||
+ | | style="text-align:center;" |$9,749 |
||
+ | | style="text-align:center;" |$9,774 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |$7,954 |
||
+ | | style="text-align:center;" |$7,992 |
||
+ | | style="text-align:center;" |$8,046 |
||
+ | | style="text-align:center;" |$11,548 |
||
+ | | style="text-align:center;" |$11,586 |
||
+ | | style="text-align:center;" |$11,640 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;" |$9,504 |
||
+ | | style="text-align:center;" |$9,565 |
||
+ | | style="text-align:center;" |$9,652 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |$11,286 |
||
+ | | style="text-align:center;" |$11,375 |
||
+ | | style="text-align:center;" |$11,499 |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" |'''$12,500''' |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | | style="text-align:center;" | |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|Profit Per Round (1 round Early) |
||
+ | | style="text-align:center;" |$1,259 |
||
+ | | style="text-align:center;" |~$1,281 |
||
+ | | style="text-align:center;" |~$1312 |
||
+ | | style="text-align:center;" |~$1,086 |
||
+ | | style="text-align:center;" |~$1,106 |
||
+ | | style="text-align:center;" |~$1,132 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|Profit Per Round (Capped) |
||
+ | | style="text-align:center;" |$1,250 |
||
+ | | style="text-align:center;" |$1,250 |
||
+ | | style="text-align:center;" |$1,250 |
||
+ | | style="text-align:center;" |~$1,042 |
||
+ | | style="text-align:center;" |~$1,042 |
||
+ | | style="text-align:center;" |~$1,042 |
||
+ | |} |
||
+ | |||
+ | ====Income earning per round (11.0-11.2)==== |
||
+ | <!--Hide Class Starts--> |
||
+ | {|class="mw-collapsible mw-collapsed" |
||
+ | | |
||
+ | |- |
||
+ | | |
||
+ | <!--Hidden Description Starts From Here--> |
||
+ | As of Version 11.0, bank income bonus for Level 9+ Benjamin is increased to +12% instead of +8%. |
||
+ | |||
+ | '''Note:''' The table assumes that the Monkey Bank has been initially upgraded before the round starts and that the income is given as when after the round. |
||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="font-size:80%;width:100%;border:2px solid gray;" |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px"|Round while full cash stored |
||
+ | ! scope="row" style="text-align:center;"|0/3/x |
||
+ | ! scope="row" style="text-align:center;"|1/3/0 |
||
+ | ! scope="row" style="text-align:center;"|2/3/0 |
||
+ | ! scope="row" style="text-align:center;"|0/3/x + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|1/3/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|2/3/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|0/3/x + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|1/3/0 + [[Benjamin]] Lvl 9 |
||
+ | ! scope="row" style="text-align:center;"|2/3/0 + [[Benjamin]] Lvl 9 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
||
+ | | style="text-align:center;" |276 |
||
+ | | style="text-align:center;"|322 |
||
+ | | style="text-align:center;"|368 |
||
+ | | style="text-align:center;"|290 |
||
+ | | style="text-align:center;"|338 |
||
+ | | style="text-align:center;"|386 |
||
+ | | style="text-align:center;"|309 |
||
+ | | style="text-align:center;"|361 |
||
+ | | style="text-align:center;"|412 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |593 |
||
+ | | style="text-align:center;"|692 |
||
+ | | style="text-align:center;"|791 |
||
+ | | style="text-align:center;"|623 |
||
+ | | style="text-align:center;"|671 |
||
+ | | style="text-align:center;"|831 |
||
+ | | style="text-align:center;"|665 |
||
+ | | style="text-align:center;"|775 |
||
+ | | style="text-align:center;"|886 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;"|958 |
||
+ | | style="text-align:center;"|1118 |
||
+ | | style="text-align:center;"|1278 |
||
+ | | style="text-align:center;"|1006 |
||
+ | | style="text-align:center;"|1109 |
||
+ | | style="text-align:center;"|1342 |
||
+ | | style="text-align:center;"|1073 |
||
+ | | style="text-align:center;"|1252 |
||
+ | | style="text-align:center;"|1431 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |1309 |
||
+ | | style="text-align:center;"|1608 |
||
+ | | style="text-align:center;"|1838 |
||
+ | | style="text-align:center;"|1447 |
||
+ | | style="text-align:center;"|1614 |
||
+ | | style="text-align:center;"|1929 |
||
+ | | style="text-align:center;"|1544 |
||
+ | | style="text-align:center;"|1801 |
||
+ | | style="text-align:center;"|2058 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |1782 |
||
+ | | style="text-align:center;"|2171 |
||
+ | | style="text-align:center;"|2481 |
||
+ | | style="text-align:center;"|1954 |
||
+ | | style="text-align:center;"|2198 |
||
+ | | style="text-align:center;"|2605 |
||
+ | | style="text-align:center;"|2084 |
||
+ | | style="text-align:center;"|2432 |
||
+ | | style="text-align:center;"|2779 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|6 |
||
+ | | style="text-align:center;" |2325 |
||
+ | | style="text-align:center;"|2819 |
||
+ | | style="text-align:center;"|3221 |
||
+ | | style="text-align:center;"|2537 |
||
+ | | style="text-align:center;"|2861 |
||
+ | | style="text-align:center;"|3382 |
||
+ | | style="text-align:center;"|2706 |
||
+ | | style="text-align:center;"|3157 |
||
+ | | style="text-align:center;"|3608 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|7 |
||
+ | | style="text-align:center;" |2953 |
||
+ | | style="text-align:center;"|3564 |
||
+ | | style="text-align:center;"|4027 |
||
+ | | style="text-align:center;"|3207 |
||
+ | | style="text-align:center;"|3628 |
||
+ | | style="text-align:center;"|4276 |
||
+ | | style="text-align:center;"|3421 |
||
+ | | style="text-align:center;"|3991 |
||
+ | | style="text-align:center;"|4561 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|8 |
||
+ | | style="text-align:center;" |3589 |
||
+ | | style="text-align:center;"|4420 |
||
+ | | style="text-align:center;"|4999 |
||
+ | | style="text-align:center;"|3978 |
||
+ | | style="text-align:center;"|4511 |
||
+ | | style="text-align:center;"|5256 |
||
+ | | style="text-align:center;"|4243 |
||
+ | | style="text-align:center;"|4950 |
||
+ | | style="text-align:center;"|5658 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|9 |
||
+ | | style="text-align:center;" |4403 |
||
+ | | style="text-align:center;"|5405 |
||
+ | | style="text-align:center;"|6116 |
||
+ | | style="text-align:center;"|4865 |
||
+ | | style="text-align:center;"|5525 |
||
+ | | style="text-align:center;"|6382 |
||
+ | | style="text-align:center;"|5189 |
||
+ | | style="text-align:center;"|6054 |
||
+ | | style="text-align:center;"|6918 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|10 |
||
+ | | style="text-align:center;" |5339 |
||
+ | | style="text-align:center;"|6538 |
||
+ | | style="text-align:center;"|7402 |
||
+ | | style="text-align:center;"|5884 |
||
+ | | style="text-align:center;"|6692 |
||
+ | | style="text-align:center;"|7726 |
||
+ | | style="text-align:center;"|6276 |
||
+ | | style="text-align:center;"|7332 |
||
+ | | style="text-align:center;"|8368 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|11 |
||
+ | | style="text-align:center;" |6347 |
||
+ | | style="text-align:center;"|7840 |
||
+ | | style="text-align:center;"|8834 |
||
+ | | style="text-align:center;"|7058 |
||
+ | | style="text-align:center;"|8034 |
||
+ | | style="text-align:center;"|9271 |
||
+ | | style="text-align:center;"|7450 |
||
+ | | style="text-align:center;"|8721 |
||
+ | | style="text-align:center;"|TBA |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|12 |
||
+ | | style="text-align:center;" |7506 |
||
+ | | style="text-align:center;"|9339 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|8391 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|8953 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|13 |
||
+ | | style="text-align:center;"|8908 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|14 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|15 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|16 |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | | style="text-align:center;"|TBA |
||
+ | |} |
||
+ | |||
+ | <!--Hidden Description Ends--> |
||
+ | |} |
||
+ | <!--Hide Ends--> |
||
+ | <br style="clear:both" /> |
||
+ | |||
+ | ====Income earning per round (pre-11.0)==== |
||
+ | <!--Hide Class Starts--> |
||
+ | {|class="mw-collapsible mw-collapsed" |
||
+ | | |
||
+ | |- |
||
+ | | |
||
+ | <!--Hidden Description Starts From Here--> |
||
+ | The following is information regarding income earning per round for the IMF Loan before it received a buff when combined with [[Benjamin]]. On Version 7.0 and later, there was a [[Monkey Bank]] nerf that did not affect IMF Loans or [[Monkey-Nomics]]. |
||
+ | |||
+ | '''Note:''' The table assumes that the IMF Loan has been initially upgraded before the round starts and that the income is given as when after the round. |
||
+ | |||
+ | '''Note 2: '''In BTD6 v3.x, the Monkey Bank (implied for the IMF Loan; originally tested by Monkey Bank) does not appear to consistently calculate interest correctly for the 0-3-x and 1-3-0 banks. The following results are the maximum of three tests |
||
+ | {| class="article-table" border="1" align="left" cellspacing="1" cellpadding="1" style="font-size:80%;width:100%;border:2px solid gray;" |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center; width:100px"|Round while full cash stored |
||
+ | ! scope="row" style="text-align:center;"|0/4/x |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 5 |
||
+ | ! scope="row" style="text-align:center;"|0/4/x + [[Benjamin]] Lvl 8 |
||
+ | ! scope="row" style="text-align:center;"|1/4/0 + [[Benjamin]] Lvl 8 |
||
+ | ! scope="row" style="text-align:center;"|2/4/0 + [[Benjamin]] Lvl 8 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|1 |
||
+ | | style="text-align:center;" |276 |
||
+ | | style="text-align:center;"|322 |
||
+ | | style="text-align:center;"|368 |
||
+ | | style="text-align:center;"|290 |
||
+ | | style="text-align:center;"|338 |
||
+ | | style="text-align:center;"|386 |
||
+ | | style="text-align:center;"|298 |
||
+ | | style="text-align:center;"|348 |
||
+ | | style="text-align:center;"|397 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|2 |
||
+ | | style="text-align:center;" |593 |
||
+ | | style="text-align:center;"|692 |
||
+ | | style="text-align:center;"|791 |
||
+ | | style="text-align:center;"|623 |
||
+ | | style="text-align:center;"|671 |
||
+ | | style="text-align:center;"|831 |
||
+ | | style="text-align:center;"|641 |
||
+ | | style="text-align:center;"|748 |
||
+ | | style="text-align:center;"|854 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|3 |
||
+ | | style="text-align:center;"|958 |
||
+ | | style="text-align:center;"|1118 |
||
+ | | style="text-align:center;"|1278 |
||
+ | | style="text-align:center;"|1006 |
||
+ | | style="text-align:center;"|1109 |
||
+ | | style="text-align:center;"|1342 |
||
+ | | style="text-align:center;"|1035 |
||
+ | | style="text-align:center;"|1150 |
||
+ | | style="text-align:center;"|1380 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|4 |
||
+ | | style="text-align:center;" |1309 |
||
+ | | style="text-align:center;"|1608 |
||
+ | | style="text-align:center;"|1838 |
||
+ | | style="text-align:center;"|1447 |
||
+ | | style="text-align:center;"|1614 |
||
+ | | style="text-align:center;"|1929 |
||
+ | | style="text-align:center;"|1488 |
||
+ | | style="text-align:center;"|1670 |
||
+ | | style="text-align:center;"|1985 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|5 |
||
+ | | style="text-align:center;" |1782 |
||
+ | | style="text-align:center;"|2171 |
||
+ | | style="text-align:center;"|2481 |
||
+ | | style="text-align:center;"|1954 |
||
+ | | style="text-align:center;"|2198 |
||
+ | | style="text-align:center;"|2605 |
||
+ | | style="text-align:center;"|2010 |
||
+ | | style="text-align:center;"|2268 |
||
+ | | style="text-align:center;"|2680 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|6 |
||
+ | | style="text-align:center;" |2325 |
||
+ | | style="text-align:center;"|2819 |
||
+ | | style="text-align:center;"|3221 |
||
+ | | style="text-align:center;"|2537 |
||
+ | | style="text-align:center;"|2861 |
||
+ | | style="text-align:center;"|3382 |
||
+ | | style="text-align:center;"|2609 |
||
+ | | style="text-align:center;"|2956 |
||
+ | | style="text-align:center;"|3429 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|7 |
||
+ | | style="text-align:center;" |2953 |
||
+ | | style="text-align:center;"|3564 |
||
+ | | style="text-align:center;"|4027 |
||
+ | | style="text-align:center;"|3207 |
||
+ | | style="text-align:center;"|3628 |
||
+ | | style="text-align:center;"|4276 |
||
+ | | style="text-align:center;"|3224 |
||
+ | | style="text-align:center;"|3747 |
||
+ | | style="text-align:center;"|4341 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|8 |
||
+ | | style="text-align:center;" |3589 |
||
+ | | style="text-align:center;"|4420 |
||
+ | | style="text-align:center;"|4999 |
||
+ | | style="text-align:center;"|3978 |
||
+ | | style="text-align:center;"|4511 |
||
+ | | style="text-align:center;"|5256 |
||
+ | | style="text-align:center;"|4006 |
||
+ | | style="text-align:center;"|4657 |
||
+ | | style="text-align:center;"|5390 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|9 |
||
+ | | style="text-align:center;" |4403 |
||
+ | | style="text-align:center;"|5405 |
||
+ | | style="text-align:center;"|6116 |
||
+ | | style="text-align:center;"|4865 |
||
+ | | style="text-align:center;"|5525 |
||
+ | | style="text-align:center;"|6382 |
||
+ | | style="text-align:center;"|4830 |
||
+ | | style="text-align:center;"|5703 |
||
+ | | style="text-align:center;"|6569 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|10 |
||
+ | | style="text-align:center;" |5339 |
||
+ | | style="text-align:center;"|6538 |
||
+ | | style="text-align:center;"|7402 |
||
+ | | style="text-align:center;"|5884 |
||
+ | | style="text-align:center;"|6692 |
||
+ | | style="text-align:center;"|7726 |
||
+ | | style="text-align:center;"|5853 |
||
+ | | style="text-align:center;"|6907 |
||
+ | | style="text-align:center;"|7983 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|11 |
||
+ | | style="text-align:center;" |6347 |
||
+ | | style="text-align:center;"|7840 |
||
+ | | style="text-align:center;"|8834 |
||
+ | | style="text-align:center;"|7058 |
||
+ | | style="text-align:center;"|8034 |
||
+ | | style="text-align:center;"|9271 |
||
+ | | style="text-align:center;"|7029 |
||
+ | | style="text-align:center;"|8290 |
||
+ | | style="text-align:center;"|9577 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|12 |
||
+ | | style="text-align:center;" |7506 |
||
+ | | style="text-align:center;"|9339 |
||
+ | | style="text-align:center;"|10481 |
||
+ | | style="text-align:center;"|8391 |
||
+ | | style="text-align:center;"|9561 |
||
+ | | style="text-align:center;"|11000 |
||
+ | | style="text-align:center;"|8382 |
||
+ | | style="text-align:center;"|9882 |
||
+ | | style="text-align:center;"|11412 |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|13 |
||
+ | | style="text-align:center;" |8908 |
||
+ | | style="text-align:center;"|11008 |
||
+ | | style="text-align:center;"|12421 |
||
+ | | style="text-align:center;"|9867 |
||
+ | | style="text-align:center;"|11354 |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"|9937 |
||
+ | | style="text-align:center;"|11654 |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|14 |
||
+ | | style="text-align:center;"|10520 |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"|11564 |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"|11651 |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"| |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|15 |
||
+ | | style="text-align:center;"|12374 |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | |- |
||
+ | ! scope="row" style="text-align:center;"|16 |
||
+ | | style="text-align:center;"|'''12500''' |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | | style="text-align:center;"| |
||
+ | |} |
||
+ | |||
+ | <!--Hidden Description Ends--> |
||
+ | |} |
||
+ | <!--Hide Ends--> |
||
+ | <br style="clear:both" /> |
||
+ | |||
+ | ===Mathematics=== |
||
+ | Python code is written below as a demonstration of a rough model of a Monkey Bank simulation. Currently, this code does not take into account the presence of Benjamin's Bank buffs (multiply the total deposit per round by 1.05 or 1.12 for Level 5-8 and Level 9+, respectively). |
||
+ | |||
+ | Variables: |
||
+ | * <code>account</code>: The bank balance of the current bank account. Code below declares it as $0 (0). |
||
+ | * <code>deposit</code>: The total deposit per round into the current bank account. Code below declares it as $230 (230). |
||
+ | * <code>interestrate</code>: The interest rate of the current bank account. Code below declares it as +15% per round (1.15). |
||
+ | * <code>capacity</code>: The maximum bank capacity of the current bank account. Code below declares it as $10,000 (10000). |
||
+ | * <code>i</code>: The iterator that loops the number of "rounds" for the Bank to run. Please change the hardcoded maximum <code>i</code> value to whatever number of rounds you wish. |
||
+ | {| class="wikitable mw-collapsible mw-collapsed" style="text-align:left;" width="100%" |
||
+ | |- |
||
+ | !Python Code for Monkey Bank mathematics |
||
+ | |- |
||
+ | | |
||
+ | <syntaxhighlight lang="python3" line="1"> |
||
+ | class Bank: |
||
+ | def __init__(self, account, capacity): |
||
+ | self.account = account |
||
+ | self.capacity = capacity |
||
+ | |||
+ | def bankrun(self, deposit, interestrate): |
||
+ | self.account += deposit |
||
+ | if (self.account >= self.capacity): |
||
+ | print("bank is full") |
||
+ | else: |
||
+ | print("Bank balance after deposits: %s" % self.account) |
||
+ | self.account *= interestrate |
||
+ | if (self.account >= self.capacity): |
||
+ | print("bank is full") |
||
+ | else: |
||
+ | print("Bank balance after interest: %s" % self.account) |
||
+ | return self.account |
||
+ | |||
+ | bank = Bank(0, 10000) |
||
+ | print(bank.account) |
||
+ | print(bank.capacity) |
||
+ | |||
+ | deposit = 230 |
||
+ | interestrate = 1.15 |
||
+ | print("Deposit: %s" % deposit) |
||
+ | print("Interest rate: %s" % interestrate) |
||
+ | for i in range(0, 15): |
||
+ | print("Iteration %s" % (i + 1)) |
||
+ | bank.bankrun(deposit, interestrate) |
||
+ | </syntaxhighlight> |
||
+ | |} |
||
+ | |||
+ | ===Additional Tips=== |
||
+ | *The best crosspath choice for the basic Bank functionality is usually 2-4-0 for the maximum income gain, but for IMF Loan the 0-4-2 may be better if trying to utilize the higher sellback and reducing inconvenience of {{MK|Bank Deposits}} micro. |
||
+ | *IMF Loan's ability takes a long time to go from initial cooldown. In the 30's rounds, it may take up to about 3 rounds in order for the ability to become ready without getting penalties in Ranked Boss. |
||
+ | *Try to use strategies for Bank Deposits to maximize usage of manual deposits (see [[Bank Deposits#Strategy]] for further context). |
||
+ | |||
+ | ==Achievements== |
||
+ | {{Achievement/Student Loans}} |
||
+ | |||
+ | ==Version History== |
||
+ | ===Balance Changes=== |
||
+ | {{Version History|1= |
||
+ | IMF Loan was formerly one of the least effective income-production towers in the game, not only because the loan's income gain was less than the cost of the upgrade itself, but because it initially did not have any other perks. Subsequently, it has evolved to become a stronger version of the Monkey Bank, more specifically because it kept the Monkey Bank's old bank capacity since Version 7.0, and its upgrade price was slashed to an acceptable level on an even earlier update. It also kept the benefit of Bank Deposits, later becoming popularized in Boss Events because of the income potential of that MK Point. |
||
+ | |||
+ | IMF Loan would become more popular among Ranked Boss players after Version 32.0 nerfed the [[Monkeyopolis]] to no longer be worth going for early, and is a dominant staple of Ranked Boss events that would be significantly curbed with nerfs to the IMF Loan Ability in Version 35.0. After v35.0, the IMF Loan is only used when farming with it can afford important towers which are unaffordable otherwise, such as a [[Ray of Doom (BTD6)|Ray of Doom]] or [[Plasma Monkey Fan Club (BTD6)|Plasma Monkey Fan Club]], or during low ability cooldown weeks. Version 40.0 slightly buffed its value to compete against the revitalized one-Farm Monkeyopolis. |
||
+ | |||
+ | ; 4.0 |
||
+ | * {{buff}} Cost of IMF Loan is cheaper ($12,000 → $7,500). |
||
+ | |||
+ | ; 7.0 |
||
+ | * {{change}} Indirect buff, because IMF Loan's capacity was kept at $10,000 but Monkey Bank's capacity was lowered to $7,000. |
||
+ | |||
+ | ; 8.0 |
||
+ | * {{nerf}} IMF Loan ability (along with other income-based abilities) now undergo the full initial cooldown before initial ability usage. |
||
+ | |||
+ | ; 12.0 |
||
+ | * {{nerf}} IMF Loan bonus cash produced per round reduced from $160 to $150 (from $240 per round to $230). |
||
+ | |||
+ | ; 14.0 |
||
+ | * {{Nerf}} '''Bug:''' If the IMF Loan's debt has been paid off, the Banana Farm that triggered it cannot use its ability until the next round starts. The same applies to [[Monkey-Nomics]]. |
||
+ | |||
+ | ; 14.2 |
||
+ | * {{Buff}} Bug fix; the ability no longer requires the next round to start upon paying off the IMF Loan (again, also applies to Monkey-Nomics). |
||
+ | |||
+ | ; 18.0 |
||
+ | * {{buff}} Added Monkey Knowledge Point "Bank Deposits": this MK allows the player to deposit money into the Monkey Bank, earning interest over time. |
||
+ | |||
+ | ; 19.0 |
||
+ | * {{nerf}} Deposits do not gain income until 1 round after being deposited. |
||
+ | * {{buff}} '''[undocumented]''' Monkey Bank with EZ Collect (or Banana Salvage) will now glow upon detecting full once it adds another pocket of cash, rather than only just after the round it becomes full. |
||
+ | |||
+ | ; 27.0 |
||
+ | {{quote|Given the relatively low value and use case of upgrading Banks further to IMF Loan, the overall incredible power of the Bank Deposits MK on Banks, and the fact that Banks are majorly considered to be the most powerful farm; we have decided to limit this incredibly powerful Knowledge point {{sic}} until the IMF Loan to both reign it in and give a little more back to that lacking T4 upgrade.|Ninja Kiwi}} |
||
+ | * {{Change}} Indirect buff, since [[Bank Deposits]] no longer work for [[Monkey Bank (BTD6)|Monkey Bank]] but still function for IMF Loan and above. |
||
+ | |||
+ | ; 28.0 |
||
+ | {{quote|Banana Farm's xx2 upgrade is the inferior crosspath, so we've amped up the utility with the lazy aspect so that if it's going to be inferior for production, it's at least going to be extra lazy & less far behind. [...]|Ninja Kiwi, referring to Banana Salvage}} |
||
+ | * {{buff}} ''0-4-2 crosspath affected by various 0-3-2 Bank buffs'' |
||
+ | |||
+ | ; 32.2 |
||
+ | * {{buff}} '''[bug fix]''' Resolved an issue where selling an IMF Loan at the same time and taking a loan would not immediately try to pay back the loan with that tower’s sellback |
||
+ | |||
+ | ; 35.0 |
||
+ | {{quote|For sake of consistency we want Monkey Bank to increase in cash generation when used with sources that externally buff generation so everything works as expected, however along with this buff the current power of IMF loan on this path already feels too strong so we are lowering that power for IMF Loan in exchange.|Ninja Kiwi}} |
||
+ | |||
+ | * {{Buff}} IMF Loan will now increase in cash generation with external buffs. |
||
+ | ** '''[Undocumented]''' This does not affect the cash granted from abilities of IMF Loan or Monkey-Nomics. |
||
+ | * {{nerf}} IMF Loan ability loaning quantity decreased from $10,000 → $9,000 |
||
+ | * {{Nerf}} {{MK Icon|Backroom Deals}} bonus cash reduced from +$2,000 → +$1,000 |
||
+ | ** Total reduction with {{MK|Backroom Deals|}} decreased from $12,000 → $10,000 |
||
+ | *{{Nerf}} Resolved a bug that caused Collecting All from multiple x3x Banks or higher to only target repayment back towards a single active IMF Loan |
||
+ | **This is a nerf because it means that Collecting All cannot have multiple banks bypass Debt after 35.0, as before 35.0, they did not all need to pay debt when the debt of one is payed off. |
||
+ | **This also applies to selling an IMF loan with bank deposits. |
||
+ | *{{Change}} Upgrade name "IMF loan" has been corrected to "IMF Loan" |
||
+ | |||
+ | ;40.0 |
||
+ | {{quote|The current power of xx5 Village combined with previous nerfs to Middle Farm have it currently feeling underappreciated for farm profits, some slight price adjustment.|Ninja Kiwi}} |
||
+ | *{{buff}} IMF Loan cost reduced ($7500 → $7200) |
||
+ | **Overall price decrease is $450, due to Monkey Bank costing $150 less. |
||
+ | |||
+ | ;42.0 |
||
+ | {{quote|Players have made it clear that for Boss Events the current cooldown on IMF Loan regularly puts it into a position where timing is frustratingly tight in order to maximize profits when farming with banks, so we’ve agreed to loosen up on this cooldown to help with this issue.|Ninja Kiwi}} |
||
+ | |||
+ | *{{buff}} IMF Loan cooldown reduced from 90 → 85s |
||
+ | }} |
||
+ | |||
+ | ==Sounds== |
||
+ | When the Bank's balance is collected until Version 14.0 and since Version 42.0: |
||
+ | * {{audio|UIGetGold.ogg}} ''[Cash collecting]'' |
||
+ | |||
+ | When the Bank's balance is collected since Version 31.0 until Version 42.0: |
||
+ | * {{Audio|UISell.ogg}} ''[cash shake]'' |
||
+ | |||
+ | When activating IMF Loan Ability: |
||
+ | * {{audio|UIGetGold.ogg}} ''[Cash collecting]'' |
||
==Gallery== |
==Gallery== |
||
+ | {{ImageNeeded|needed=Better image displaying just the loan debt thing}} |
||
<gallery> |
<gallery> |
||
+ | IMF loan crosspaths.png|Crosspathing ('''Top:''' Path 1, '''Bottom:''' Path 3) |
||
− | bia btd6.png|Tower |
||
− | Debt IMF 2.png|Debt in the cash menu |
||
− | Debt IMF 1.png|Debt that needs repaying in this Banana Farm |
||
6B692AFE-15DE-47C4-804E-AD3A2C2156CE.png|Using two IMF Loan Abilities at once (when Backroom Deals active). Note second IMF Loan's debt |
6B692AFE-15DE-47C4-804E-AD3A2C2156CE.png|Using two IMF Loan Abilities at once (when Backroom Deals active). Note second IMF Loan's debt |
||
0902F346-93FC-4559-8D0F-117DBCD472E2.png|After about $500 income earn, $300 goes into cash and $200 goes into paying off. $250 debt paid off from Backroom Deals. |
0902F346-93FC-4559-8D0F-117DBCD472E2.png|After about $500 income earn, $300 goes into cash and $200 goes into paying off. $250 debt paid off from Backroom Deals. |
||
− | Selling banked IMF.png|Selling off an IMF Loan with bank interest |
+ | Selling banked IMF.png|Selling off an IMF Loan with bank interest (note the centered income gain) |
+ | IMF Loan No Capital.png|IMF Loan in the upgrade menu without capital letter on "Loan" (pre-35.0)<!--Keep this one, to demonstrate the name "IMF loan"--> |
||
+ | IMF Limited.png|Disabled IMF Loan ability icon, after using the same ability twice per round |
||
+ | imfloan nobackroom pre35.png|IMF Loan's loan activated and paying off (pre-35.0) |
||
+ | imfloan backroom pre35.png|IMF Loan's loan activated and paying off with {{MK|Backroom Deals}} (pre-35.0) |
||
+ | </gallery> |
||
+ | |||
+ | ===Official artwork=== |
||
+ | <gallery> |
||
+ | 040-BananaFarm.png|Upgrade portrait |
||
+ | IMFLoanUpgradeIcon.png|Upgrade icon |
||
+ | 040-BananaFarmInsta.png|Instamonkey icon |
||
</gallery> |
</gallery> |
||
==Trivia== |
==Trivia== |
||
+ | * According to internal text, IMF stands for "International Monkey Fund". In real life, IMF is an abbreviation for [[wikipedia:International Monetary Fund|International Monetary Fund]], a financial agency that loans money to countries with troubled economies. |
||
− | *The IMF Loan's loan does not work like a real-life loan for the following reasons: |
||
+ | * While the IMF Loan's loan mimicks many attributes of a loan, more specifically an automatic payment of an interest-free loan, it doesn't work the same as a loan from a real-world bank for the following reasons: |
||
− | **Real-life loans require all of the loan plus interest to be paid off until the loan debt reaches the maximum loan debt allowance, which otherwise would lead to financial consequences such as bankruptcy. |
||
+ | ** IMF Loan's loan never has income penalties for not paying back debt promptly. In addition, real-life loans typically have a maximum loan debt allowance, which otherwise would lead to financial consequences such as bankruptcy. |
||
− | **Interest as increased debt for real-world loan debts increase over time; IMF Loan debt remains constant between the end of a round and the beginning of a round. |
||
+ | ** One can basically not pay back an IMF Loan for however amount of rounds as the player wishes without losing from forced bankruptcy. |
||
− | **Paying of the IMF Loan debt decreases ''with'' the increase of income gain (from any source or income gain), rather than not gaining income as debt is being paid off. |
||
+ | ** Assuming the IMF Loans are run by the same company, paying off a loan with an existing loan from the same company would be not practical, since that would be counterintuitive to a bank. |
||
− | **Such automatic paying off the loan is always 50% of the income earned, but automatic paying off loans does not exist or is not commonplace. |
||
+ | * There was a known bug related to IMF Loan in Co-Op where towers can disappear when the server refreshes the map to sync the game if there is an IMF Loan present on the map. This seems to be patched around version 12.0. |
||
− | **One can basically not pay back an IMF Loan for however amount of rounds as the player wishes without losing from forced bankruptcy. |
||
− | *In Version 7.0, the Monkey Bank received a nerf to the amount of bank capacity, leading to the Monkey Bank to have an overall lower bank capacity. This was not the case for IMF Loan, causing an indirect buff to the IMF Loan. |
||
− | **The normal Monkey Bank now has $7,000 in capacity while the IMF Loan still has $10,000. |
||
− | *Using multiple loans at once will grant the full $10,000 from the first ability, but each subsequent loan will be affected by the other loans, grantng $5,000 ($6,000 with Backroom Deals) and will only increase the total loan by $5,000 ($4,000 with Backroom Deals) rather than $10,000. |
||
+ | {{Banana Farm}} |
||
{{upgrades BTD6}} |
{{upgrades BTD6}} |
||
+ | {{Special Abilities}} |
||
[[Category:Bloons TD 6]] |
[[Category:Bloons TD 6]] |
||
[[Category:Banana Farm]] |
[[Category:Banana Farm]] |
||
Line 54: | Line 1,586: | ||
[[Category:Path 2 Upgrades]] |
[[Category:Path 2 Upgrades]] |
||
[[Category:Special Abilities]] |
[[Category:Special Abilities]] |
||
+ | [[Category:BTD6 Tier 4 Upgrades]] |
||
+ | [[Category:BTD6 Path 2 Upgrades]] |
Latest revision as of 20:50, 9 April 2024
“ | IMF Loan ability: Gives you $9,000 but you have to pay it back over time. | ” |
~ In-game description |
IMF Loan is the fourth upgrade of Path 2 for the Banana Farm in Bloons TD 6. In addition to a bigger bank capacity of $10,000 ($12,500 with the Bigger Banks MK), the IMF Loan has an activated ability where, upon activation, the player is loaned $9,000 ($10,000 with Backroom Deals), at the cost of accruing debt. When in debt, 50% of the player's earnings go into paying it off gradually (cost of 40% earnings with Backroom Deals). IMF Loan abilities can still be activated while the player is in debt, but each subsequent IMF Loan ability usage gives only $4,500 usable credit ($6,000 with Backroom Deals) and $4,500 additional debt ($4,000 with Backroom Deals), as 50% (40%) of each subsequent loan goes toward paying off previous loans, and therefore has no effect.
The activated ability has a cooldown time of 85 seconds, and additionally cannot be used until the loan is entirely paid off. Like all income-only abilities, IMF Loan can only be used a limited number of times per round and the ability is unusable after 3 minutes since the start of a round. The ability can only be used up to two times per round per IMF Loan, unless sold and rebought.
IMF Loan's ability is not affected by any income-increasing buffs such as Monkey City.
This upgrade costs $6,120 on Easy, $7,200 on Medium, $7,775 on Hard, and $8,640 on Impoppable.
Description[]
Overview[]
IMF Loan is a large blue-grey office building with yellow windows and a small entrance flanked by grey stone pillars, with steps leading up to the actual doorway. On the roof is a banana logo attached to a semicircular extension, as well as a small metal chimney.
Top Path crosspathing adds grey/gold stones around the foundation. Bottom Path crosspathing adds wooden, then cyan crates with a banana logo at the front of the building.
The IMF Loan offers greater capability to handle money, from a larger bank account, to the capability to loan a sum of cash at the drawback of debt, and the capability to deposit money (available only via Bank Deposits).
Targeting Priorities[]
IMF Loan, which stores money in its bank account similarly to its preceding upgrade Monkey Bank, does not have a real targeting priority. Instead, it has different buttons that alter its behavior.
IMF Loan comes with two "targeting priorities" by default: Collect, and Collect All. "Collect" withdraws all money from the current IMF Loan, while "Collect All" withdraws all money from all Banks (including IMF Loans) on screen. If the Bank Deposits MK is enabled, IMF Loan also receives the Deposit button, which deposits money into the IMF Loan's bank account.
IMF Loan Ability[]
- See also: Activated Abilities (BTD6)#IMF Loan
Upon activation, the player will receive $9,000 but at the cost of $9,000 debt. The ability will recharge after 90 seconds, but can only be activated again if all of that IMF Loan Bank's debt is paid off. Both the loan and the debt will increase to $10,000 with the Backroom Deals MK.
How the "debt" works is that 50% of all income gained (40% of all income gain with Backroom Deals) from all sources will be used to pay off the debt. The amount of income used to pay off the debt is paid off onto the first IMF Loan that owes money and then onto any other subsequent in-debt IMF Loans after paying off the first IMF Loan. The in-debt penalty will remain until all of the debt is paid off from all IMF Banks. The amount of debt is displayed to the right of the cash counter on the top of the screen. The amount of debt of a certain IMF Loan Bank is shown in the respective IMF Loan Bank. Note that the player can still sell an IMF Loan Bank while any of the loans are in debt (including itself), but the loan debt will remain until fully paid off. Fortunately, it is impossible to lose as a result of not paying off IMF Loan debts because bankruptcy is not a lose condition.
Unlike normal loans, the player cannot manually pay off the debt of a certain IMF Loan Bank. However the total debt can be paid off quickly by repeatedly depositing and withdrawing from any bank using Bank Deposits.
The ability cannot be used if the player still has debt from the same IMF Loan Bank.
Costs[]
- Updated as of Version 42.0. Listed prices exclude external buffs, any sacrifices, and Monkey Knowledge.
[Module | Data] | Purchase | Sell | ||||||
---|---|---|---|---|---|---|---|---|
Costs | Easy | Medium | Hard | Impoppable | Easy | Medium | Hard | Impoppable |
Upgrade (X-4-X) | $6,120 | $7,200 | $7,775 | $8,640 | - | |||
Total (0-4-0) | $11,215 | $13,200 | $14,255 | $15,840 | $7,851 | $9,240 | $9,979 | $11,088 |
Crosspath (1-4-0) | $11,640 | $13,700 | $14,795 | $16,440 | $8,148 | $9,590 | $10,357 | $11,508 |
Crosspath (2-4-0) | $12,150 | $14,300 | $15,445 | $17,160 | $8,505 | $10,010 | $10,812 | $12,012 |
Crosspath (0-4-1) | $11,425 | $13,450 | $14,525 | $16,140 | $7,998 | $9,415 | $10,168 | $11,298 |
Crosspath (0-4-2) | $11,765 | $13,850 | $14,955 | $16,620 | $8,236 | $9,695 | $10,469 | $11,634 |
This upgrade's prices (or included crosspath's prices) are affected by the following MK: Flat Pack Buildings, Farm Subsidy, Better Sell Deals
Strategy[]
Summary[]
IMF Loan offers a tricky ability to master, as though its ability explicitly about gaining money in a large burst, it effectively cancels out the profit with the penalty of a loan which halves the gains of all revenue sources (including other IMF Loan abilities) by paying itself off, leading to an ability with zero sum profit if the player does not reinvest the cash.
The IMF Loan provides the player with a powerful utility: instant income for instant purchasing power or reinvestment into more IMF Loans. This is typically great for Ranked Boss, as it can potentially provide the player with extreme amounts of cash by round 40. The downside is that the debt is a significant detriment for later tiers, as income gain is reduced by 40% with Backroom Deals, 50% without the MK point. This same point also raises the cash gained per loan from $9,000 to $10,000, making the IMF Loan more productive overall.
Another important part of IMF Loan are Bank Deposits via Monkey Knowledge. It allows manual depositing of cash into the IMF Loan, which gains interest after holding the bank deposit for at least 2 rounds. In turn, proper bank deposits maximizes the IMF Loan's income, with constant micromanagement. Such benefit is maximized on Ranked Boss Bloon Events that enable MK. Without this MK, it is not worth using the IMF Loan.
Note that using multiple loans at once will grant $9,000/$10,000 from the first ability, but each subsequent loan will be affected by other loan's debt, granting $4,500 ($6,000 with Backroom Deals) and will only increase the total loan by $4,500 ($6,000 with Backroom Deals) rather than $9,000/10,000, assuming it must pay off maximum debt. This value can be higher if debt is below this.
Only one loan can be paid off at a time, and any large singular sum, primarily selling towers, that exceeds this debt will directly go to the player without paying off additional loans at a 50%/40% rate. This is actually a key strategy in ranked Boss events, and gives more value to very expensive towers, such as Plasma Monkey Fan Club.
Efficiency[]
The following are tables regarding the income production rate of the normal Monkey Bank function of the IMF Loan upgrade. In general, it has a higher bank capacity but a similar income production rate to Monkey Bank. As such, its bank functionality does not become more efficient than Monkey Bank until its own bank balance surpasses the Monkey Bank's maximum bank capacity.
Income earning per round (35.0-Present)[]
Version 35.0 secretly changed the total amount of income per round the income packets generate, in addition to accepting all external buffs that increase income (mainly Monkey City).
Instead of $230/$270/$310 per round, the Bank now produces $225/$274/$325 per round, ignoring the added interest applied afterwards. Also, More Valuable Bananas now increases income generation of each cash packet.
Also assumes that the Bigger Banks MK is active.
Round number | 0/4/x | 1/4/0 | 2/4/0 | 0/4/x + Benjamin Lvl 5 | 1/4/0 + Benjamin Lvl 5 | 2/4/0 + Benjamin Lvl 5 | 0/4/x + Benjamin Lvl 9 | 1/4/0 + Benjamin Lvl 9 | 2/4/0 + Benjamin Lvl 9 |
---|---|---|---|---|---|---|---|---|---|
1 | $269 | $328 | $388 | $279 | $341 | $403 | $293 | $359 | $424 |
2 | $578 | $707 | $835 | $530 | $677 | $817 | $558 | $712 | $859 |
3 | $934 | $1142 | $1349 | $959 | $1177 | $1394 | $1009 | $1238 | $1466 |
4 | $1550 | $1894 | $1940 | $1383 | $1695 | $2006 | $1455 | $1783 | $2110 |
5 | $1814 | $2217 | $2620 | $1800 | $2234 | $2661 | $1893 | $2350 | $2799 |
6 | $2355 | $2879 | $3402 | $2349 | $2911 | $3463 | $2471 | $3062 | $3643 |
7 | $2978 | $3639 | $4301 | $3051 | $3746 | $4437 | $3209 | $3940 | $4667 |
8 | $3693 | $4514 | $5335 | $3788 | $4650 | $5509 | $3985 | $4891 | $5792 |
9 | $4517 | $5520 | $6524 | $4636 | $5689 | $6736 | $4877 | $5984 | $7085 |
10 | $5463 | $6677 | $7892 | $5611 | $6884 | $8150 | $5902 | $7241 | $8573 |
11 | $6552 | $8008 | $9464 | $6732 | $8258 | $9776 | $7082 | $8686 | $10,283 |
12 | $7804 | $9538 | $11,272 | $8022 | $9838 | $11,647 | $8438 | $10,348 | $12,251 |
13 | $9244 | $11,298 | $12,500 | $9505 | $11,655 | $12,500 | $9997 | $12,260 | $12,500 |
14 | $10,899 | $12,500 | $11,210 | $12,500 | $11,791 | $12,500 | |||
15 | $12,500 | $12,500 | $12,500 | ||||||
Profit Per Round (1 round Early) | $778.5 | $869 | $939 | $801 | $896.5 | $971 | $842 | $943 | $1021 |
Profit Per Round (Capped) | $833 | $893 | $961.5 | $833 | $893 | $962 | $833 | $893 | $961.5 |
And with City buff, with the post-v36.0 Monkey City that raises cash gain by +20% instead of +15%:
Round number | 0/4/x | 1/4/0 | 2/4/0 | 0/4/x + Benjamin Lvl 5 | 1/4/0 + Benjamin Lvl 5 | 2/4/0 + Benjamin Lvl 5 | 0/4/x + Benjamin Lvl 9 | 1/4/0 + Benjamin Lvl 9 | 2/4/0 + Benjamin Lvl 9 |
---|---|---|---|---|---|---|---|---|---|
1 | $310 | $379 | $448 | $320 | $392 | $463 | $335 | $409 | $484 |
2 | $667 | $815 | $964 | $609 | $777 | $938 | $637 | $812 | $980 |
3 | $1078 | $1317 | $1557 | $1102 | $1351 | $1600 | $1151 | $1412 | $1672 |
4 | $1343 | $1642 | $1940 | $1588 | $1946 | $2304 | $1660 | $2034 | $2408 |
5 | $2093 | $2558 | $3023 | $2067 | $2565 | $3055 | $2160 | $2681 | $3193 |
6 | $2718 | $3322 | $3926 | $2698 | $3342 | $3977 | $2819 | $3493 | $4156 |
7 | $3436 | $4199 | $4963 | $3503 | $4301 | $5095 | $3662 | $4495 | $5325 |
8 | $4262 | $5209 | $6156 | $4350 | $5339 | $6322 | $4546 | $5580 | $6608 |
9 | $5212 | $6370 | $7528 | $5323 | $6532 | $7734 | $5564 | $6827 | $8083 |
10 | $6304 | $7705 | $9106 | $6443 | $7903 | $9358 | $6734 | $8260 | $9780 |
11 | $7560 | $9240 | $10920 | $7730 | $9481 | $11,225 | $8079 | $9909 | $11,732 |
12 | $9005 | $11006 | $12,500 | $9210 | $11,296 | $12,500 | $9626 | $11,806 | $12,500 |
13 | $10,666 | $12,500 | $10,913 | $12,500 | $11,406 | $12,500 | |||
14 | $12,500 | $12,500 | $12,500 | ||||||
Profit Per Round (1 round Early) | $762 | $847 | $910 | $839.5 | $941 | $1020.5 | $877 | $984 | $1066.5 |
Profit Per Round (Capped) | $893 | $961.5 | $1042 | $893 | $961.5 | $1042 | $893 | $961.5 | $1042 |
Bank Deposits MK (35.0-Present)[]
Adding Bank Deposits will almost always increase profit per round. However, after some testing and calculating, the most efficient strategy has made itself apparent, To save space in the table, assume that all farms have the 2-4-0 upgrade.
The money is shown as the amount in the bank at the end of the round (after interest has been applied) and as if all deposits happened during the first round.
Calculations about the average profit per round for each scenario have been made. It is concluded it is more efficient to withdraw 1 round before the bank reaches its maximum capacity. Otherwise, the last interest payment is reduced due to the account balance hitting its cap of $12,500. The profit per round can be calculated by subtracting the amount deposited from the amount of money in the bank, then dividing by the number of rounds before withdrawing.
2-4-0 Bank | Deposit 6250 |
Deposit 6250 + Benjamin Lvl 5 |
Deposit 6250 + Benjamin Lvl 9 |
Deposit 9375 |
Deposit |
Deposit 9375 + Benjamin Lvl 9 |
---|---|---|---|---|---|---|
1 | $6,638 | $6,653 | $6,674 | $9,763 | $9,778 | $9,799 |
2 | $8,023 | $8,055 | $8,100 | $11,616 | $11,649 | $11,694 |
3 | $9,615 | $9,667 | $9,739 | $12,500 | $12,500 | $12,500 |
4 | $11,446 | $11,521 | $11,625 | |||
5 | $12,500 | $12,500 | $12,500 | |||
Profit Per Round (1 round Early) | $1,299 | ~$1,318 | ~$1,343 | $1,120.5 | $1,137 | $1,159.5 |
Profit Per Round (Capped) | $1,250 | $1,250 | $1,250 | ~$1,042 | ~$1,042 | ~$1,042 |
Income earning per round (12.0-34.3)[]
As of Version 12.0, bank income bonus has decreased from +$160 to +$150 by default, including for IMF Loan. Therefore, instead of at least $240 per round, this income gain is decreased to at least $230 per round.
Note: The table assumes that the IMF Loan has been initially upgraded before the round starts and that the income is given as when after the round.
Also assume that no manual deposits from the Bank Deposits MK are done.
Round while full cash stored | 0/4/x | 1/4/0 | 2/4/0 | 0/4/x + Benjamin Lvl 5 | 1/4/0 + Benjamin Lvl 5 | 2/4/0 + Benjamin Lvl 5 | 0/4/x + Benjamin Lvl 9 | 1/4/0 + Benjamin Lvl 9 | 2/4/0 + Benjamin Lvl 9 |
---|---|---|---|---|---|---|---|---|---|
1 | $265 | $311 | $357 | $278 | $326 | $374 | $296 | $348 | $399 |
2 | $569 | $668 | $766 | $597 | $701 | $805 | $637 | $748 | $858 |
3 | $918 | $1078 | $1238 | $964 | $1132 | $1300 | $1029 | $1208 | $1387 |
4 | $1321 | $1550 | $1780 | $1387 | $1628 | $1869 | $1479 | $1736 | $1994 |
5 | $1783 | $2094 | $2404 | $1873 | $2198 | $2524 | $1997 | $2345 | $2692 |
6 | $2315 | $2718 | $3121 | $2431 | $2854 | $3277 | $2593 | $3044 | $3495 |
7 | $2927 | $3436 | $3945 | $3074 | $3608 | $4143 | $3278 | $3849 | $4419 |
8 | $3631 | $4262 | $4894 | $3812 | $4475 | $5138 | $4066 | $4774 | $5481 |
9 | $4440 | $5212 | $5984 | $4662 | $5473 | $6289 | $4973 | $5837 | $6702 |
10 | $5370 | $6304 | $7238 | $5639 | $6620 | $7600 | $6015 | $7061 | $8107 |
11 | $6440 | $7560 | $8681 | $6762 | $7938 | $9115 | $7213 | $8468 | $9722 |
12 | $7671 | $9005 | $10339 | $8054 | $9455 | $10856 | $8591 | $10086 | $11580 |
13 | $9086 | $10666 | $12246 | $9540 | $11200 | $12500 | $10176 | $11946 | $12500 |
14 | $10714 | $12500 | $12500 | $11249 | $12500 | $11999 | $12500 | ||
15 | $12500 | $12500 | $12500 |
As of Version 17.0, the buff to Monkey City allowed nearby income-producers, such as IMF Loans, to gain +10% more income per round. This applies for the income bonus, and it stacks on top of the current interest rate (in addition to interest buffs from Benjamin, if applicable).
Round while full cash stored (plus 0/0/4 Village) |
0/4/x | 1/4/0 | 2/4/0 | 0/4/x + Benjamin Lvl 5 | 1/4/0 + Benjamin Lvl 5 | 2/4/0 + Benjamin Lvl 5 | 0/4/x + Benjamin Lvl 9 | 1/4/0 + Benjamin Lvl 9 | 2/4/0 + Benjamin Lvl 9 |
---|---|---|---|---|---|---|---|---|---|
1 | $291 | $342 | $392 | $305 | $359 | $412 | $326 | $383 | $440 |
2 | $626 | $734 | $843 | $657 | $771 | $885 | $701 | $823 | $945 |
3 | $1010 | $1186 | $3558 | $1061 | $1245 | $1430 | $1132 | $1329 | $1526 |
4 | $1453 | $1705 | $1958 | $1525 | $1791 | $2056 | $1628 | $1911 | $2194 |
5 | $1962 | $2303 | $2644 | $2060 | $2418 | $2776 | $2198 | $3350 | $3846 |
6 | $2547 | $2990 | $3433 | $2674 | $3139 | $3604 | $2854 | $3350 | $3846 |
7 | $3220 | $3780 | $4340 | $3381 | $3969 | $4557 | $3608 | $4235 | $4862 |
8 | $3994 | $4688 | $5383 | $4194 | $4923 | $5652 | $4475 | $5253 | $6031 |
9 | $4884 | $5733 | $6583 | $5128 | $6020 | $6912 | $5472 | $6423 | $7375 |
10 | $5907 | $6935 | $7962 | $6203 | $7281 | $8360 | $6619 | $7769 | $8920 |
11 | $7084 | $8316 | $9549 | $7439 | $8732 | $10026 | $7938 | $9317 | $10697 |
12 | $8438 | $9906 | $11373 | $8860 | $10401 | $11942 | $9455 | $11097 | $12500 |
13 | $9995 | $11733 | $12500 | $10494 | $12320 | $12500 | $11199 | $12500 | |
14 | $11785 | $12500 | $12374 | $12500 | $12500 | ||||
15 | $12500 | $12500 |
Bank Deposits MK (19.0 onwards)[]
Adding Bank Deposits will almost always increase profit per round. However, after some testing and calculating, the most efficient strategy has made itself apparent, To save space in the table, assume that all farms have the 2-4-0 upgrade.
The money is shown as the amount in the bank at the end of the round (after interest has been applied) and as if all deposits happened during the first round.
Calculations about the average profit per round for each scenario have been made. It is concluded it is more efficient to withdraw 1 round before the bank reaches its maximum capacity. Otherwise, the last interest payment is reduced due to the account balance hitting its cap of $12,500. The profit per round can be calculated by subtracting the amount deposited from the amount of money in the bank, then dividing by the number of rounds before withdrawing.
Example math: 2-3-0 bank after depositing 4750. withdrawing at the end of round 4.
9004-4750 = 4254,
4254 / 4 rounds = 1,063.5, rounded to ~1,064 per round
2-4-0 Bank | Deposit 6250 |
Deposit 6250 + Benjamin Lvl 5 |
Deposit 6250 + Benjamin Lvl 9 |
Deposit 9375 |
Deposit |
Deposit 9375 + Benjamin Lvl 9 |
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1 | $6,607 | $6,624 | $6,649 | $9,732 | $9,749 | $9,774 |
2 | $7,954 | $7,992 | $8,046 | $11,548 | $11,586 | $11,640 |
3 | $9,504 | $9,565 | $9,652 | $12,500 | $12,500 | $12,500 |
4 | $11,286 | $11,375 | $11,499 | |||
5 | $12,500 | $12,500 | $12,500 | |||
Profit Per Round (1 round Early) | $1,259 | ~$1,281 | ~$1312 | ~$1,086 | ~$1,106 | ~$1,132 |
Profit Per Round (Capped) | $1,250 | $1,250 | $1,250 | ~$1,042 | ~$1,042 | ~$1,042 |
Income earning per round (11.0-11.2)[]
As of Version 11.0, bank income bonus for Level 9+ Benjamin is increased to +12% instead of +8%. Note: The table assumes that the Monkey Bank has been initially upgraded before the round starts and that the income is given as when after the round.
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Income earning per round (pre-11.0)[]
The following is information regarding income earning per round for the IMF Loan before it received a buff when combined with Benjamin. On Version 7.0 and later, there was a Monkey Bank nerf that did not affect IMF Loans or Monkey-Nomics. Note: The table assumes that the IMF Loan has been initially upgraded before the round starts and that the income is given as when after the round. Note 2: In BTD6 v3.x, the Monkey Bank (implied for the IMF Loan; originally tested by Monkey Bank) does not appear to consistently calculate interest correctly for the 0-3-x and 1-3-0 banks. The following results are the maximum of three tests
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Mathematics[]
Python code is written below as a demonstration of a rough model of a Monkey Bank simulation. Currently, this code does not take into account the presence of Benjamin's Bank buffs (multiply the total deposit per round by 1.05 or 1.12 for Level 5-8 and Level 9+, respectively).
Variables:
account
: The bank balance of the current bank account. Code below declares it as $0 (0).deposit
: The total deposit per round into the current bank account. Code below declares it as $230 (230).interestrate
: The interest rate of the current bank account. Code below declares it as +15% per round (1.15).capacity
: The maximum bank capacity of the current bank account. Code below declares it as $10,000 (10000).i
: The iterator that loops the number of "rounds" for the Bank to run. Please change the hardcoded maximumi
value to whatever number of rounds you wish.
Python Code for Monkey Bank mathematics |
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class Bank:
def __init__(self, account, capacity):
self.account = account
self.capacity = capacity
def bankrun(self, deposit, interestrate):
self.account += deposit
if (self.account >= self.capacity):
print("bank is full")
else:
print("Bank balance after deposits: %s" % self.account)
self.account *= interestrate
if (self.account >= self.capacity):
print("bank is full")
else:
print("Bank balance after interest: %s" % self.account)
return self.account
bank = Bank(0, 10000)
print(bank.account)
print(bank.capacity)
deposit = 230
interestrate = 1.15
print("Deposit: %s" % deposit)
print("Interest rate: %s" % interestrate)
for i in range(0, 15):
print("Iteration %s" % (i + 1))
bank.bankrun(deposit, interestrate)
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Additional Tips[]
- The best crosspath choice for the basic Bank functionality is usually 2-4-0 for the maximum income gain, but for IMF Loan the 0-4-2 may be better if trying to utilize the higher sellback and reducing inconvenience of Bank Deposits micro.
- IMF Loan's ability takes a long time to go from initial cooldown. In the 30's rounds, it may take up to about 3 rounds in order for the ability to become ready without getting penalties in Ranked Boss.
- Try to use strategies for Bank Deposits to maximize usage of manual deposits (see Bank Deposits#Strategy for further context).
Achievements[]
Student Loans FIRST RELEASED: Version 29.0
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Description: 4 x 10^5 (Go into $400,000 of debt) | ||
Rewards: |
Version History[]
Balance Changes[]
IMF Loan was formerly one of the least effective income-production towers in the game, not only because the loan's income gain was less than the cost of the upgrade itself, but because it initially did not have any other perks. Subsequently, it has evolved to become a stronger version of the Monkey Bank, more specifically because it kept the Monkey Bank's old bank capacity since Version 7.0, and its upgrade price was slashed to an acceptable level on an even earlier update. It also kept the benefit of Bank Deposits, later becoming popularized in Boss Events because of the income potential of that MK Point.
IMF Loan would become more popular among Ranked Boss players after Version 32.0 nerfed the Monkeyopolis to no longer be worth going for early, and is a dominant staple of Ranked Boss events that would be significantly curbed with nerfs to the IMF Loan Ability in Version 35.0. After v35.0, the IMF Loan is only used when farming with it can afford important towers which are unaffordable otherwise, such as a Ray of Doom or Plasma Monkey Fan Club, or during low ability cooldown weeks. Version 40.0 slightly buffed its value to compete against the revitalized one-Farm Monkeyopolis.
- 4.0
- Cost of IMF Loan is cheaper ($12,000 → $7,500).
- 7.0
- Indirect buff, because IMF Loan's capacity was kept at $10,000 but Monkey Bank's capacity was lowered to $7,000.
- 8.0
- IMF Loan ability (along with other income-based abilities) now undergo the full initial cooldown before initial ability usage.
- 12.0
- IMF Loan bonus cash produced per round reduced from $160 to $150 (from $240 per round to $230).
- 14.0
- Bug: If the IMF Loan's debt has been paid off, the Banana Farm that triggered it cannot use its ability until the next round starts. The same applies to Monkey-Nomics.
- 14.2
- Bug fix; the ability no longer requires the next round to start upon paying off the IMF Loan (again, also applies to Monkey-Nomics).
- 18.0
- Added Monkey Knowledge Point "Bank Deposits": this MK allows the player to deposit money into the Monkey Bank, earning interest over time.
- 19.0
- Deposits do not gain income until 1 round after being deposited.
- [undocumented] Monkey Bank with EZ Collect (or Banana Salvage) will now glow upon detecting full once it adds another pocket of cash, rather than only just after the round it becomes full.
- 27.0
“ | Given the relatively low value and use case of upgrading Banks further to IMF Loan, the overall incredible power of the Bank Deposits MK on Banks, and the fact that Banks are majorly considered to be the most powerful farm; we have decided to limit this incredibly powerful Knowledge point [sic] until the IMF Loan to both reign it in and give a little more back to that lacking T4 upgrade. | ” |
~ Ninja Kiwi |
- Indirect buff, since Bank Deposits no longer work for Monkey Bank but still function for IMF Loan and above.
- 28.0
“ | Banana Farm's xx2 upgrade is the inferior crosspath, so we've amped up the utility with the lazy aspect so that if it's going to be inferior for production, it's at least going to be extra lazy & less far behind. [...] | ” |
~ Ninja Kiwi, referring to Banana Salvage |
- 0-4-2 crosspath affected by various 0-3-2 Bank buffs
- 32.2
- [bug fix] Resolved an issue where selling an IMF Loan at the same time and taking a loan would not immediately try to pay back the loan with that tower’s sellback
- 35.0
“ | For sake of consistency we want Monkey Bank to increase in cash generation when used with sources that externally buff generation so everything works as expected, however along with this buff the current power of IMF loan on this path already feels too strong so we are lowering that power for IMF Loan in exchange. | ” |
~ Ninja Kiwi |
- IMF Loan will now increase in cash generation with external buffs.
- [Undocumented] This does not affect the cash granted from abilities of IMF Loan or Monkey-Nomics.
- IMF Loan ability loaning quantity decreased from $10,000 → $9,000
- Backroom Deals bonus cash reduced from +$2,000 → +$1,000
- Resolved a bug that caused Collecting All from multiple x3x Banks or higher to only target repayment back towards a single active IMF Loan
- This is a nerf because it means that Collecting All cannot have multiple banks bypass Debt after 35.0, as before 35.0, they did not all need to pay debt when the debt of one is payed off.
- This also applies to selling an IMF loan with bank deposits.
- Upgrade name "IMF loan" has been corrected to "IMF Loan"
- 40.0
“ | The current power of xx5 Village combined with previous nerfs to Middle Farm have it currently feeling underappreciated for farm profits, some slight price adjustment. | ” |
~ Ninja Kiwi |
- IMF Loan cost reduced ($7500 → $7200)
- Overall price decrease is $450, due to Monkey Bank costing $150 less.
- 42.0
“ | Players have made it clear that for Boss Events the current cooldown on IMF Loan regularly puts it into a position where timing is frustratingly tight in order to maximize profits when farming with banks, so we’ve agreed to loosen up on this cooldown to help with this issue. | ” |
~ Ninja Kiwi |
- IMF Loan cooldown reduced from 90 → 85s
Sounds[]
When the Bank's balance is collected until Version 14.0 and since Version 42.0:
- [Cash collecting]
When the Bank's balance is collected since Version 31.0 until Version 42.0:
- [cash shake]
When activating IMF Loan Ability:
- [Cash collecting]
Gallery[]
Not enough images! There are not enough images on this page to sufficiently complete this page or section. You can help by uploading some images related to the article's subject(s). In particular, this article needs: Better image displaying just the loan debt thing. |
Official artwork[]
Trivia[]
- According to internal text, IMF stands for "International Monkey Fund". In real life, IMF is an abbreviation for International Monetary Fund, a financial agency that loans money to countries with troubled economies.
- While the IMF Loan's loan mimicks many attributes of a loan, more specifically an automatic payment of an interest-free loan, it doesn't work the same as a loan from a real-world bank for the following reasons:
- IMF Loan's loan never has income penalties for not paying back debt promptly. In addition, real-life loans typically have a maximum loan debt allowance, which otherwise would lead to financial consequences such as bankruptcy.
- One can basically not pay back an IMF Loan for however amount of rounds as the player wishes without losing from forced bankruptcy.
- Assuming the IMF Loans are run by the same company, paying off a loan with an existing loan from the same company would be not practical, since that would be counterintuitive to a bank.
- There was a known bug related to IMF Loan in Co-Op where towers can disappear when the server refreshes the map to sync the game if there is an IMF Loan present on the map. This seems to be patched around version 12.0.
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