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To maximize bank's potential, take out the money when it is full, banks works on interest, meaning the more cash in the bank, the more money it makes.
Pair it with deposit skill, it allows you to put your cash into the bank at 50% of its current space available.
To make the most of it, fill the bank 75% of its capacity, wait until its full, take out, repeat.
For more details, refer to this link
https://bloons.fandom.com/wiki/Monkey_Bank_(BTD6)
From what I've read though even with doing that with Banks/IMF Loan you are still only getting around ~900-~1100 profit per round, while a Central Market is giving you 1400-1456 per round + the bonus to trade ships, and the Banana Research Facility gives 1875, I would agree that banks make the most at tier 3, but once you push into the T4 versions it becomes the worst by far. That's where my confusion comes in. The bank mostly stops getting better at T3, while the others get greatly better by upgrading them.
The problem with figuring out the income for the Monkey-Nomics cash is it has a cool down, thus it a wave doesn't last the full cool down, you don't get it, and if a wave lasts for 2 cool downs you get it twice. That would effectively leave it on waves where it's still on cooldown for the whole wave and you miss it being around 1100 profit, waves you can use it being around 13100 profit, and waves where it lasts long enough to be used twice being around 25100, and that sounds great and all but that still takes getting to Monkey-Nomics in the first place.
So you can spend 114225(Normal Price) on getting a single Monkey Nomics for around 13100 profit, or you could split that same money into 1 Central Market and 10 Favored Trades, or 2 and 8, the 1 and 10 giving around 7000 and the 2 and 8 giving 7712 and can be built up over time, likely giving more overall money by the time you've finished building all of them.(From reading on the wiki a Favored Trade can actually pay out up to 1012 per wave, the 10 Favored Trades then would be 10120 per round, before Central Market and Trade Empire are added) Though this does assume a decently sized water mass on the map, but most maps tend to have water on them, and those that don't you can always pay real money to put water on those maps. It's also hard to test the total money generation of the ships as sandbox never ends wave, so they never actually make any money in there.
Honestly in the end I'm not sure I'm right because everyone is saying the bank is great, but I'm just not seeing it. At least not until you've invested a T4 Super Monkey's worth of money into it. In the very long run I could see the Monkey Nomics being helpful, but getting to it is going to be much harder and leave you more cash starved.
https://www.youtube.com/watch?v=C-SSGlFAqGE
I suggest you try all T3 Farms instead in Challenge Editor. Enable Monkey Knowledge because aside from CHIMPS, you're going to use MK to play most of the time. Unless you want try in no MK Hard Odyssey mode, which is another story...
Here are the following info by just leaving 7 Farms alone for 10 rounds with full MK. No Benjamin, no Monkey City buff. Cost based on Hard, without first Farm discount bonus:
0-0-0 Farm cost (1325)
3-0-0 Plantation (5755) ---- 3200
3-2-0 Plantation (6945) ---- 4160
0-3-0 Bank (5895) ---- 5370 in account
2-3-0 Bank (7085) ---- 7238 in account
0-0-3 Marketplace (4940) ---- 3200
2-0-3 Marketplace (6130) ---- 4000
0-2-3 Marketplace (6130) ---- 4160
With Monkey Knowledge and recent patches, 0-2-3 Marketplace and 2-3-0 Bank are on the go. Keep in mind that first few 2-0-0 Farm is still crucial for important early economy, and selling to swap to 0-2-3 Marketplace isn't usually worth the little differences. Because Central Market's buff to Merchantmen is more valuable.
I'm not saying that top path is terrible, because T4 Facility has more value per space; Central Market is more meaningful with Merchantmen; IMF's capacity is only useful with Deposit abuse, and you only need 1 usually.
But I believe OP can see why Bank generates more profit and demand more attention than other paths. It's just that Buccaneer's ability to go both defense and economy over-shadowing top and middle path Farm upgrades.
https://steamcommunity.com/sharedfiles/filedetails/?id=2347928470
I've found with "loans" you can maximize output more effectively as the rate of return and loan pay back is equalized in your favor as far as time to survive. Loans are so overpowered especially with Ben's rate of return on interest.
With Loans I can build stuff so fast and not worry about much of anything. If I cared much about going past 100 other than to say "look how cheesy this is" I am sure you can make it to well past 300 with proper applications of placement and maxed MK/consideration of Tier 5ing each monkey type.
and 240 are a bit of waste as you can easily just withdraw and redeposit in 230
1. Don't collect every round. The more money is in the bank, the more interest you get. Collect the money about when it is full or almost full. If there's only $500 or less in space left in the bank, it's more efficient to collect and let it start over.
2. The ability is not a loan any more if you get the 5th tier in middle path. It's a flat 10k (12k with knowledge) that you get with no catch whatsoever.
When just considering towers on their own, the 250 farm is the most profitable one and will typically generate money faster than a 520 thanks to its ability, especially if you use something like a moab shove to stall a round for time.
Banks give the most money among all farm upgrades in relation to their cost, but only with a lot of management and their money comes delayed, unlike other farms' money. With the monkey knowledge that lets you deposit money, banks are borderline broken with how much money they can earn you.
The only farm that I consider entirely pointless on its own is 320.
It's more expensive than a Marketplace and gives the same money without knowledge. With knowledge, only a 023 Marketplace matches the Plantation exactly, although it's rather unlikely to have those at the beginning because 200 farms generate a lot more money than 020 farms.
Top path should definitely be better than bottom path when it comes to price per cost.
be VERY careful not to use the loans unless you know it will be enough to buy a tier 5 upgrade you need; and if it will, use as few of the loans as possible. you'll be indebted for the rest of the game if you use more than 2 in a row.
generally i've found that the bottom path is the best for just playing hard or impoppable. it earns a bunch for a lot less, and deposits it straight to your account; no hassle, no careful management of when it's full and when it's about to be full. you also HAVE to use benjamin for the banks to be worth it, wheras you can use any hero with the bottom path (and also earn lives with the upgrade.) the banks are only really useful for very long games, such as trying for round 200.
there IS a way to use tech-bots to automate the banks so you don't have to work them like it's a job (instead of a fun game, which it's supposed to be) but that means you're using powers, which are limited, cost monkey money, and aren't allowed on CHIMPS.
I don't think it matters which strategy is best when the hands-free option is profitable enough to fund your lategame temple spam needs.
I still stand by they are the in general weakest option, at least for more standard play(Free play Normal/Hard mode). Mostly just due to the fact that the other options give more immediate payouts, not requiring you to wait 2 or more rounds to get your money, you just get it. I can see the value of when you have the extra 100k+ to spend setting down the T5 bank, but that is assuming you don't want to spend that 100k+ on just another combat tower that will advance your defences, because even with the 10/12k per round from the T5 bank, that's still at least 9 waves/activations of the skill before you get that money back from the bank itself.
Y'all have been a great help though, thanks a lot!