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THE AGENCY RESERVES THE RIGHT TO LET YOU DROWN

⟡ AGENT FINANCE HUB ⟡

Delta Green: Personal Cash Flow Rules

Central funding is gone. Agents fund operations from their own pockets. Most calculations use Accounting. CHA is rarely used.

Step 1: Base Monthly Free Cash Flow (FCF)

Base FCF = (Annual Salary / 12) × 0.15

Annual Salary: Real world average for the agent's job. Player and Handler confirm by quick search at character creation or occupation change.
0.15: 15% disposable income after taxes, rent, debt, insurance, groceries and essential costs.

Example: FBI agent average $75,000 per year.
$75,000 ÷ 12 = $6,250 → ×0.15 = $937 base FCF

Step 2: Accounting Skill Modifier (Static, no roll)

Use Accounting, or (Handler discretion) Criminology for fraud specialists. Modifier represents financial habits and is permanent between operations unless skill changes.

Accounting Skill	Modifier	Description
0–19%	×0.66	Bad with money: high debt, poor savings, lives paycheck to paycheck
20–49%	×1.00	Average: normal spending, some savings
50–79%	×1.25	Good budgeting: side investments, low interest debt
80%+	×1.50	Excellent: makes more from same salary, multiple income streams

Modified FCF = Base FCF × Accounting Modifier

Example (FBI agent with Accounting 60%): $937 × 1.25 = $1,171 modified FCF

Step 3: Pre Operation Accessible Cash (Roll)

Before an operation begins, roll to determine how much of the modified FCF the agent can put in hand immediately without raising suspicion or friction.

Roll: Accounting (or CHA × 5% at Handler's discretion, but Accounting is standard)

Roll Result	Multiplier	Narrative
Critical (01–05)	×3.0	Everything liquid. Spouse out of town. Bank owes favors.
Success	×1.5	A little shuffling, but I've got it.
Failure	×0.75	Tied up in joint account / just paid property taxes.
Fumble (96–100)	×0.25	Spouse just drained it for a vacation. I'm embarrassed.

Pre Op Cash = Modified FCF × Accounting Roll Multiplier

Example (Accounting 60, rolls 43 → Success): $1,171 × 1.5 = $1,756 accessible
Same agent, bad roll (78 → Failure): $1,171 × 0.75 = $878 accessible

Summary Formula (Pre Op Only)

Final Pre Op Cash = (Salary ÷ 12 × 0.15) × (Accounting Modifier) × (Accounting Roll Modifier)

Accounting Modifier = static (0.66 / 1.00 / 1.25 / 1.50)
Accounting Roll Modifier = per op (0.25 / 0.75 / 1.5 / 3.0)

Note: CHA is almost never used. The Handler may optionally substitute CHA × 5% for the roll in rare cases (e.g., a con artist without Accounting), but Accounting is the default and primary skill for all financial access.

Optional: Mid Operation Withdrawals (Tiers of Extraction)

When pre op cash runs out mid mission, agents can access more money. Each tier has guaranteed complications, SAN loss and Bond damage. These are optional rules for deeper desperation. The same Accounting roll applies.

Tier Overview

Tier	Source	Time Required	Cash Gained
1	Joint account / spouse aware savings	2–6 hours	0.5 × Modified FCF
2	Sell assets / liquidate investments	12 hours	1.0 × Modified FCF
3	Borrow from coworker, bank loan, or retirement fund	24–48 hours	1.5 × Modified FCF

Restriction: Tier 2 requires Tier 1 already used. Tier 3 requires Tiers 1 and 2 already used. You cannot skip to the bottom.

Mid Op Withdrawal Roll

When an agent taps a tier, roll Accounting (same as pre-op).

Roll Result	Cash Gained	Complication Severity
Critical (01–05)	Full tier value	None
Success	Full tier value	Standard (per tier)
Failure	Half tier value (round down)	Standard (per tier)
Fumble (96–100)	Half tier value (round down)	Worsened (per tier)

Tier 1 Complications (Joint Account)

Standard (Success or Failure): Spouse will notice within 24 hours. Roll 1d6:

1–2: Spouse calls during op (Accounting roll to lie or raise suspicion)
3–4: Spouse withdraws equal amount "for safety" — future FCF reduced 10% next op
5–6: Post op confrontation (Cover or Bond roll at –20%)

Worsened (Fumble): Spouse notices immediately. Call comes in 1d10 minutes. –20% to Cover roll. If Cover fails: Bond loses 2 points and spouse freezes joint account (Tier 1 unavailable forever).

Tier 2 Complications (Sell Assets)

Standard (Success or Failure):
– SAN loss: 0/1d3
– Bond damage: Lose 1 point from a Bond of player's choice
– Item loss: Handler chooses one sentimental item (heirloom, gift, childhood possession)

Worsened (Fumble):
– SAN loss: 1/1d6
– Bond damage: Lose 2 points
– Item loss: Lose two items
– Buyer is suspicious: local cops or IRS get a tip (Handler gains leverage)

Tier 3 Complications (Borrowing / Retirement Raid)

Standard (Success or Failure):
– SAN loss: 1/1d4
– Bond damage: 1d3 points
– Permanent: Reduce Accounting modifier by one tier (×1.50 → ×1.25 → ×1.00 → ×0.66) for all future ops
– Leverage: Handler gains one leverage over the agent

Worsened (Fumble):
– SAN loss: 1d4/1d8
– Bond damage: 1d6 points
– Permanent: Reduce Accounting modifier by two tiers
– Leverage: Handler gains two levers
– Debt: Acquire 1d3 × $1,000 debt at 10% monthly interest (game time)

Optional Rule: Rush Any Tier

Agent can halve the time for any tier by accepting double the complication severity:

Tier 1 rushed: Spouse definitely notices and confronts immediately (Bond roll at –30%)
Tier 2 rushed: SAN loss becomes 1/1d6, Bond loss becomes 2 points
Tier 3 rushed: Permanent Accounting drop is two tiers (×1.50 → ×1.00), Handler gains two levers

Example Comparison

Agent A – Journalist, $55k/year. Accounting 25% (×1.00).
Base = ($55k/12) × 0.15 = $687
Modified = $687
Good Accounting roll (×1.5) = $1,030 – beats pay grade through access.

Agent B – Doctor, $180k/year. Accounting 15% (×0.66).
Base = ($180k/12) × 0.15 = $2,250
Modified = $1,485
Bad Accounting roll (×0.75) = $1,113 – less than the journalist this op.

Agent C – Same doctor, Accounting 85% (×1.50).
Modified = $3,375
Good Accounting roll = $5,062
Bad Accounting roll = $2,531 – still solid despite bad timing.

Mid Operation Example in Play (Optional Rules)

Agent Vega (modified FCF $2,000, Accounting 50%) spends her pre op $3,000 (good Accounting roll). Mid op, she needs $2,500 more.

Tier 1: Rolls Accounting 50 → 43 (Success). Gains $1,000. Standard complication: spouse notices in 24h (d6=3 → spouse withdraws $1,000). Needs $1,500 more.

Tier 2: Rolls Accounting 50 → 96 (Fumble). Gains half of $2,000 = $1,000 (not enough). Worsened complication: SAN 1/1d6 (rolls 4 → loses 4 SAN), Bond loss 2 points from sister, loses two items (mother's necklace + childhood photo). Buyer tips off police.

Now Vega is short $500, no tiers left, police interest, and her sister will not speak to her.

Outcome: Perfect Delta Green.

Quick Reference Table (Mid Op Withdrawal)

Tier	Cash Gained	Time	Standard Complication	Worsened (Fumble)
1	0.5 × FCF	2–6h	Spouse notices within 24h (1d6 effect)	Spouse calls immediately, Cover –20%, possible frozen account
2	1.0 × FCF	12h	SAN 0/1d3, Bond –1, lose one item	SAN 1/1d6, Bond –2, lose two items, police tip
3	1.5 × FCF	24–48h	SAN 1/1d4, Bond –1d3, Accounting tier drop, Handler leverage	SAN 1d4/1d8, Bond –1d6, drop two tiers, two levers, plus debt

On a Critical (01–05) no complication occurs. On Failure (non fumble) you gain half cash but complication remains standard. On Fumble gain half cash with worsened effect. All rolls use Accounting unless Handler rules otherwise.

Final Notes

All cash values are in US dollars. Handler may adjust for non US settings.
Annual salary should be researched briefly by player and Handler. Use realistic averages for the agent's occupation and rank.
Accounting is the primary skill for both the static modifier and the pre-op/mid-op rolls. CHA is almost never used.
Accounting modifier changes only if the skill percentage changes permanently through advancement or severe trauma.
Bond damage is tracked as standard Delta Green Bonds. Loss of Bond points may lead to breaking points or altered relationships.
Leverage gained by the Handler represents favors, blackmail material, or official scrutiny.