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Cashflow is a mere yearly estimation that doesn't include bonus income.
All these actions drain your treasury, and you have no word in it... unless you go to the policies screen and set everything to manual; then you will have more control over the various flows (it may take a few years to actually stabilize, the game's world has a massive inertia for everything).
Check your Empire's accounting, all credits and debits are detailed there.
Everything set to manual makes no difference on the income.
I looked at the accounting screen, it's not clear at all where it is going. Sometimes there are maintenance or colony expenses, but I tried to turn those off in funding levels and keep a larger reserve, and it saves a bit more money (I was able to save 10k at one point) but then it still spends all the money. My treasury can not rise above 1k for more than a month or it will auto-spend all my money on something.
Really confused how no one else has this issue bc it happens to me every game.
The projected income isn't just slightly off, it's completely wrong. It says I am making +20,000 but my treasury remains stuck at about zero for years because the money disappears constantly.
Maybe it's because I recently took over a primitive world, I know colonies tank your economy early game. But that world became profitable and supposedly gives me +3000 credits now but I still can't save any money.
Maybe it's military refueling with pirates, I don't see my ships refueling off of their bases though.
Thanks Nightskies for offering to look at the save, here it is. https://drive.google.com/file/d/1pe0Wt1miiwQcBH7eJ00-SLLXeAkVuIou/view?usp=sharing
Though small, in recent times, your empire bought a few thousand credits worth of resources and fuel. I suspect they've been doing that for a while.
Troop recruitment is also automatic. I can see that your empire just queued up another Armored brigade. That's another few thousand credits. The allocated maintenance for troops will allow for a few more brigades, so the AI will build those soon if it can.
Given the empire's very low income, both in cashflow and bonus income, these little expenses are fairly easily draining the empire's reserves year after year.
For tips on how to make more money... if that's what you desire. https://steamcommunity.com/sharedfiles/filedetails/?id=2948376176
https://steamcommunity.com/app/1531540/discussions/0/3828663116762232436/
Troop construction is automated at the empire level, but both colonies are set to manual so no automated construction is able to occur. I built all those armored divs myself for a planned invasion.
Also the station/spaceport retrofit cost when a new technology comes out is usually tiny (like less than 100 credits per facility usually, and I only have a few of them), and I keep losing all my cash over a 5 year period when no new techs are coming out so the numbers don't add up. I was keeping an eye on the stations in case they were the culprit, but it doesn't seem to be the case, unless the AI is wasting money by switching between alternating designs but I didn't see that either.
I think that I might have Klaatu's problem, my empire is auto-buying luxury resources maybe, not sure.