Settlement Finances Updated

⭐ ⭐ (128 endorsements) 📥 38,472 downloads 📌 v1.0.3 📅 8/20/2023
🟠 Updated over a year ago

By Lumintorious and GOOGLEPOX · Gameplay

⬇ Download Mod Source: Nexus Mods 📅 Updated: 8/30/2025 📅 Created: 8/20/2023

🔍 Analysis

  • 👍 0.3% endorsement rate
  • 🏆 #241 of 678 Gameplay mods in this game by downloads

📋 About This Mod

Settlement Finances

Updated for 1. 2. 9

Source

I've always been a huge fan of Lumi's Settlement Finances and have always tried to keep it updated for personal use. I asked the author if they would be okay with me publicly posting my updated version and they agreed. Most of the credit goes to Lumintorious AKA Vyncirek; I simply recompiled the DLL and updated any missing methods and broken logic.

NOTE: I haven't been able to test all of the mod's features 100%, but so far in a 100 day campaign I haven't noticed any issues. That being said please let me know if you run into any issues with this mod.

The original mod description is as follows:

This mod adds some financial helps for you and your clan. It helps with world economy through settlement support and caravan rebuilding.

Disclaimer: The images of the mod are taken from a mod pack with "Bannerlord Tweaks" and "Light's Prosperity" so the out of the ordinary prosperity numbers are not from this mod.

  • []Banks ( One account contract with a city, interest rates, loans, investments in landowners or gang leaders etc. for their influence )

    []Village investments ( Invest in whatever villages rely on - passive income + villages produce more or keep what they produce to take home )

    []Option to keep what villages produce instead of selling them ( You can invest in villages with iron mines and use the ore directly for smithing for example )

    []Caravan tariffs ( Your caravans will give you tariffs based on the leader's steward and trade skills, can increase with tariff perk )

    []Caravans rebuild themselves ( After a captured caravan leader is released, they will start a new caravan in the city they arrive at )

    []Owned Town finances ( Add extra rents, export superfluous food, send militia to work elsewhere for profit )

    []Owned Town Support ( Lords will support their poor cities with donations if their budgets fall below 15,000. Players can choose to do this in the menu )

    []Ability to buy caravans and workshops directly from the town menu instead of searching for the seller and loading the town area

    []Displays in clan finance menu for banks and investments

    []Full income support in the gold increase menu

    []Trade menu is moved to the new "business square" menu as "Market" for consistency and compactness of menus.

    []Extensive configuration with Mod Configuration Menu

    Some mods that go well with this one:

    • []Light's Prosperity - for a better prosperity model

      []Bannerlord Tweaks - for some tweakable stuff about settlements

      []Kaoses Troop Wages - for tweakable troops wages for both you and AI lords

      []Kaoses Trade Goods - for tweakable prices and weight for your goods

      []Caravans Give Trade XP

      Known Issues:

      • []Loading a save with the mod in it, then loading a save without the mod in it will cause the mod data to copy to the save without the mod in it. For now, if you want to open a save without the mod in it for the first time, open it as the first thing you do when the game launches.

        The Mod is save game compatible meaning that you can load an existing save with the mod, BUT after loading a world with the mod you won't be able to remove the mod and still have the save work. Make backups if you are not sure about keeping the mod.

🤖 AI-enhanced — based on mod data

Settlement Finances Updated is a community-maintained update to Lumintorious' Settlement Finances mod for Mount & Blade II: Bannerlord, recompiled for version 1.2.9. It adds financial systems like banks, village investments, caravan tariffs, and town management. With 128 endorsements and 38,472 downloads, it's a niche but popular gameplay expansion.

✨ Key Features

Adds banks with one account contract per city, interest rates, loans, and investments in landowners or gang leaders for influence.
Allows village investments for passive income and increased production, with an option to keep produced goods instead of selling them.
Implements caravan tariffs based on leader's steward and trade skills, with a tariff perk to increase them.
Caravans rebuild themselves after a captured leader is released, starting a new caravan in the city they arrive at.
Adds owned town finances: extra rents, exporting superfluous food, and sending militia to work elsewhere for profit.
Includes owned town support where lords donate to poor cities.

📊 Pros & Cons

✅ Pros

  • Community-approved with 128 endorsements and 38,472 downloads, showing solid trust.
  • Actively maintained—last updated August 2025, so it's fresh for current game versions.
  • Adds deep financial mechanics that make the economy feel alive, not just a money sink.

⚠️ Cons

  • Author admits not all features are 100% tested—only a 100-day campaign so far, so edge cases might break.
  • Requires manual DLL replacement, which can be intimidating for modding newbies.
  • Original mod's images are from a mod pack, so screenshots might not reflect actual gameplay.
🎯 Is This For You?
For Bannerlord players who want to dive into economic management and feel like a true merchant lord. If you enjoy spreadsheets and passive income, this is your jam. Skip if you prefer pure combat and conquest—this is all about the money.
📦 Install:Medium· 5-10 minutes

💡 Beginner Tips

  • Make sure to back up your original Settlement Finances DLL before replacing it, so you can revert if needed.
  • Test the bank and village investment features in a new campaign first to see how they feel before committing to a long save.
  • If you use other economy mods, check for conflicts—this mod changes core financial systems.

📊 Mod Details

Game
Bannerlord Mods
Author
Lumintorious and GOOGLEPOX
Version
1.0.3
Downloads
38,472
Endorsements
128
Category
Gameplay
Created
8/20/2023
Updated
8/30/2025

🧩 Commonly Used Together

Users add these mods to the same collections — a real compatibility signal, not an AI guess.

🔧 How to Install Bannerlord Mods

Use Vortex or manual. Enable mods in launcher. Harmony required.

📖 Full step-by-step install guide for Bannerlord →

Visit the official mod page for specific installation instructions for this mod.

🎮 Need cheat codes or console commands? Check ur gaming wiki for Bannerlord commands, item IDs, and more.

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