10 richest and most successful clubs in FM 21

Friends of Football Manager Guru today we are going to talk to you about the 10 richest and most successful clubs in FM 21. We want to make it clear right away that by successful we mean: “easy to bring to success” during your managerial career. Obviously nothing is easy in Football Manager but choosing a rich club in Football Manager 2021 certainly helps a lot.

Let’s take a look below at which clubs have money to spend on winning as many trophies as possible.

Club with money and future success in FM 21

Many Football Manager players will argue that the only fair way to play FM is to pick a team from one of the lower divisions and lead it to glory with talented youngsters, classic market deals and targeted tactics.

However, those new to the game might be discouraged from playing at all if they dive headlong into managing a poor team from the depths of the third and fourth national divisions.

Some of the best choices for rookie players are clubs with large amounts of money available from the first transfer window in the game. Keep in mind that these are not always the teams most often associated with big money,

such as Manchester City or Juventus, as the amount of money available to them depends on the moves they have made in previous seasons


10 richest and most successful clubs in FM 21

Dynamo Mosca

The Russian league may not be at the pinnacle of European football, but with a club as rich as Dynamo Moscow, it should present itself as a fairly easy challenge, even for inexperienced players.

Don’t expect to win the European Triplete in your first season, but certainly to dominate in Russia.

With 25 million euros at their disposal, Dinamo can afford to buy some serious talent, but it is advisable to make an initial investment in the youth team and coaching staff. It will prove more worthwhile to win the Russian Premier League and accumulate capital to challenge for top European trophies in the long run.


Athletic Bilbao

Since Athletic Bilbao competes in La Liga, one of the best football leagues in Europe, it is the perfect club for beginners who want to be able to compete in Europe from the very first season, but do not want to take the easy way out by choosing a team with an established record of victories in their national championships and European titles.

There is a catch, though. Bilbao may have a budget of 25 million euros, but their transfer policy dictates that they can only invest that money in players from the Basque region of Spain.

That is why, just like in the case of Dinamo Moscow, the players should try to develop the youth academy as a top priority.



Ajax is a club with a long history of success in European competitions, not to mention their decade-long dominance in the Dutch Eredivisie. This makes them a great team to choose for players who want to learn the ropes of Football Manager 2021, although it may still take a few more seasons to win the Champions League.

One advantage Ajax have over clubs like Dinamo Moscow or Athletic Bilbao is the fact that they already have world-class youth development facilities, so players can spend their €50 million budget on talented players right away.


Beijing Guoan

Playing in a Chinese club is an interesting adventure in itself. Beijing Guoan is the only team outside of Europe on this list, and offers players the opportunity to learn more about a league that is not usually the focus of most football fans.

With €52.18 million to spend, Beijing Guoan is the third richest club in Football Manager 2021. Although this is a considerable amount of money, convincing top players to play in China, far from the glory of European football, could prove to be a significant challenge for a beginner.



Arsenal have gone through a rough patch in the last two seasons. After the sacking of legendary manager Arsene Wenger and a terrible run of form under Spanish coach Unai Emery, they are starting to find some stability now with Mikel Arteta, the club’s former player at the helm of Arsenal. They are still poised for a mid-table finish in the 2020/21 season, though.

In Football Manager, things look much brighter for the London club. With a budget of €27.35 million and a squad full of talented young athletes such as Bukayo Saka or Gabriel Martinelli, even FM’s absolute rookies should be able to turn things around and return Arsenal to the top four of the English Premier League.



Although they are not in as precarious a position as Arsenal when it comes to Chelsea’s form in recent years, there is quite a bit of work to be done to be considered real title contenders.

However, with a transfer budget of €27.35m (exactly the same as Arsenal’s), plenty of up and coming stars such as Timo Werner, Kai Havertz and Edouard Mendy, all of whom were brought to Chelsea in the summer of 2020, and plenty of young talent ready to break into the first team, bringing back the glory days at Stamford Bridge should be a challenge suitable for Football Manager beginners.


Manchester United

This club needs no introduction. With 13 Premier League titles, two Champions League victories and the title of the only English team to have ever won the European Triplete, Manchester United is a club with the greatest history of all Premier League teams. However, since Sir Alex Ferguson retired in 2013, the Red Devils seem to have abandoned their winning ways.

Bringing them back to their peak might be an incredibly difficult task in real life, but in FM2021, it is actually quite easy.

With a budget of €40.05 million, plenty of young talent in the likes of Marcus Rashford, Mason Greenwood, world-class players like Bruno Fernandes, and a state-of-the-art youth academy, nothing should stand in the way of the starters leading the club to their first Premier League title in eight years.


Real Madrid

In the last decade, Real Madrid has won four UEFA Champions League tournaments, snatching three of these trophies in a row (2016, 2017, 2018). No other club has managed to do so in the history of this competition.

With a huge budget of 60 million euros and a squad full of experienced football stars, the players should not have too much difficulty achieving success with Real Madrid.

It is worth bearing in mind, however, that they actually have a wage budget deficit at the start of the game, so one of the first things new managers should do is to readjust the finances so that all players are paid their incredible salaries.


Bayern Monaco

Having won the European hat-trick in the 2019/20 season, Bayern Munich is currently considered the best football club in the world.

With Robert Lewandowski, the game’s most prolific striker, and a roster of emerging talent, there’s no reason why new players shouldn’t choose the German hegemons to learn the ways of Football Manager 2021.

The game’s highest transfer budget (€60 million) and a ready-made squad will ensure that a player’s first experience with Football Manager will be easy and enjoyable. In fact, it will leave players longing for a challenge in some of the lower divisions.



Using PSG in Football Manager 2021 can almost seem like cheating. In Neymar and Kylian Mbappe, they have two of the absolute best players in world football right now. If that wasn’t enough, the rest of the PSG squad is also absolutely world class.

45 million euros to spend on transfers should be enough for the players to make the necessary upgrades to finally bring the elusive Champions League trophy to Paris.

If that is not enough, selling Neymar and buying (at least) three wunderkinds with world-class potential in his place should be enough.



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