In this guide I’ll explain how to get a city to 25k+ money across the empire and thousands of money in cities in Humankind. This guide is broken into an overview of money in Humankind, explaining the basics of the market quarters which are the main source of money, how to get money through trade, how to boost that money using infrastructure and how to turbo charge money per turn by picking merchant civilisations. There are many other little bonuses you can get through things like religion, but they are not that material.
First, an overview of money. Money can basically purchase everything else in the game from cities. You can use it to purchase quarters, infrastructure, armies and so on. Most victory types don’t need that much money, but it is nice to have a lot of it.
Now, onto the market quarters. A lot of the money will come from market quarters. Market quarters exploit the money on a given tile as well as adjacent tiles. Money from tiles is pretty rare, luxury resources have some money yield on them. I usually use luxury resource tiles to seed my market quarters areas. Most of the money will come from the money that market quarters provide based on adjacent market quarters. Therefore, it is good to plan out the market quarters to have as many as possible adjacent market quarters. This is limited by the terrain as well as maintaining your stability, take a look at this guide to read more about how to keep your stability at 100% even with hundreds of quarters in a city. There is also infrastructure that adds bonus money to market quarters from rivers. So building market quarters next to luxury resources maximises the money you get from each market quarter. Market quarters also add slots for population (traders) to produce money. This is much less than you can get from the market quarters themselves.
Moving onto getting money from trade, if you sign trade treaties with other empires, you can purchase their luxury and strategic resources. This counts as a trader and provides you money per turn. I have played entire games without building many markets quarters and had no issues with money. The money from trade is boosted through research, such as the Naval Air Strategy bonus that provides 1% money per naval trade route on all cities.
Now let’s discuss how to boost the money using infrastructure. There are is a range of infrastructure you can build in your cities that boosts the money on market quarters as well as the adjacency bonus, such as the food plaza. There is also infrastructure that adds money to trades, such as the great fishmarket. There is also infrastructure that boosts the money from population and your overall money, such as the bank and financial district. Keep an eye out for this infrastructure in the technology tree.
Finally, picking civilisations that are merchant focussed helps turbo charge your production. For example, the Chinese, which are in the sixth era, which is the contemporary era, have the Silk Railroad affinity trait which boosts your money by 10%. There are many other civilisations that also have nice bonuses, many of them providing a special market quarter with bonuses to money.
So, in summary, getting money per turn into the tens of thousands and more requires many market quarters that take advantage of tile yields and being adjacent to other market quarters, trading with other empires, infrastructure that boosts the market quarters and picking civilisations that turbo charge money by providing bonuses.