Some teams have bottomless pits of wealth, while others will require you to build around the talent you have and make savvy moves in the transfer market.
Whatever you're looking for, this list has you covered.
Wage budget = £600k/week
Difficult rating = 1/5
Newcastle already have a few building blocks in Joe Willock, Allan Saint-Maximin and Callum Wilson to base your team around while you spend millions replenishing the squad. Newcastle also have two five-star rated youngsters in Santiago Munoz and Elliot Anderson worth developing in the future. As the richest club in world football, their finances are simply unmatched in FM22.
Top tip: Make sure you sign loanee Santiago Munoz permanently for the humble fee of just £2 million, as per his loan agreeement. His stats are raw but there won't be many five-star rated wonderkids you can easily sign for £2 million.
Wage budget = £51.32k/week
Difficult rating = 1/5
Even without Lionel Messi, Barcelona are still in healthy shape in FM22. They have three players with five-star potential — Alejandro Balde, Sergino Dest and Yusuf Demir — and a selection of four-and-a-half-star potential starlets that includes Pedri, Ansu Fati and Eric Garcia. That is seven promising youngsters to develop. In the here and now, Frenkie de Jong and Marc-Andre ter Stegen are two of the best at their positions. No transfer budget stings, but with the right sales, all of that can change quickly.
Top tip: To create a transfer budget immediately, look to sell Riqui Puig, Samuel Umtiti, Martin Braithwaite or Oscar Mingueza. Once you've shifted one of those players, aim to make Demir's loan move permanent for a fee of £8.5 million.
Wage budget = £129k/week
Difficult rating = 1/5
The team not known as Juventus have Serie A's third-highest transfer budget and largest wage budget to go alongside a solid contingent of young players including Federico Chiesa, Manuel Locatelli, three five-star prospects in Dejan Kulusevski, Moise Kean and Matthijs de Ligt and a four-and-a-half-star starlet in Kaio Jorge. However, two of their best centre-backs (Leonardo Bonucci and Giorgio Chiellini) have a combined age of 70, two of their full-backs (Danilo and Alex Sandro) are at least 29 and the rest of the squad isn't as talented as it once was.
Top tip: Sign Paulo Dybala to a new contract or sell him as a matter of priority as his contract expires in 2022. To increase your transfer budget, aim to offload 33-year-old Juan Cuadrado, who could get you an extra £10-15 million right away.
Wage budget = £17.25k/week
Difficult rating = 1/5
The challenge with Salzburg is helping them contend for European trophies while keeping hold of the club's best players. Erling Haaland, Patson Daka and Enock Mwepu are among those the club inevitably had to sell recently. The headline talent this season is German international Karim Adeyemi, while there are also seven players with a value of at least £10 million, meaning you have plenty to work with from day one.
Top tip: Send out Maurits Kjaergaard on loan in season one, as his finishing stat of 8/20 overall is a little too raw for the Champions League but his five-star potential is worth developing.
Wage budget = £0k/week
Difficult rating = 2/5
With no league title in seven years, Fenerbahce begin FM22 as favourites to end that run but will have to do so with an ageing squad bereft of talented youngsters. Twelve of their first-team squad are at least 27 years old and there are no players with five-star potential. With a limited transfer budget and already high wage budget, the trick here is building a younger side while remaining in the title hunt.
Top tip: You'll need to decide on Ferdi Kadioglu straight away, as his contract expires in 2022. He begins some game saves unwilling to renew his deal, so it may be better to cash in on him now or risk losing him for free.
Whatever you're looking for, this list has you covered.
1 – Newcastle
Transfer budget = £200 millionWage budget = £600k/week
Difficult rating = 1/5
Newcastle already have a few building blocks in Joe Willock, Allan Saint-Maximin and Callum Wilson to base your team around while you spend millions replenishing the squad. Newcastle also have two five-star rated youngsters in Santiago Munoz and Elliot Anderson worth developing in the future. As the richest club in world football, their finances are simply unmatched in FM22.
Top tip: Make sure you sign loanee Santiago Munoz permanently for the humble fee of just £2 million, as per his loan agreeement. His stats are raw but there won't be many five-star rated wonderkids you can easily sign for £2 million.
2 – Barcelona
Transfer budget = £0Wage budget = £51.32k/week
Difficult rating = 1/5
Even without Lionel Messi, Barcelona are still in healthy shape in FM22. They have three players with five-star potential — Alejandro Balde, Sergino Dest and Yusuf Demir — and a selection of four-and-a-half-star potential starlets that includes Pedri, Ansu Fati and Eric Garcia. That is seven promising youngsters to develop. In the here and now, Frenkie de Jong and Marc-Andre ter Stegen are two of the best at their positions. No transfer budget stings, but with the right sales, all of that can change quickly.
Top tip: To create a transfer budget immediately, look to sell Riqui Puig, Samuel Umtiti, Martin Braithwaite or Oscar Mingueza. Once you've shifted one of those players, aim to make Demir's loan move permanent for a fee of £8.5 million.
3 – Zebre
Transfer budget = £16.24 millionWage budget = £129k/week
Difficult rating = 1/5
The team not known as Juventus have Serie A's third-highest transfer budget and largest wage budget to go alongside a solid contingent of young players including Federico Chiesa, Manuel Locatelli, three five-star prospects in Dejan Kulusevski, Moise Kean and Matthijs de Ligt and a four-and-a-half-star starlet in Kaio Jorge. However, two of their best centre-backs (Leonardo Bonucci and Giorgio Chiellini) have a combined age of 70, two of their full-backs (Danilo and Alex Sandro) are at least 29 and the rest of the squad isn't as talented as it once was.
Top tip: Sign Paulo Dybala to a new contract or sell him as a matter of priority as his contract expires in 2022. To increase your transfer budget, aim to offload 33-year-old Juan Cuadrado, who could get you an extra £10-15 million right away.
4 – Red Bull Salzburg
Transfer budget = £17.1 millionWage budget = £17.25k/week
Difficult rating = 1/5
The challenge with Salzburg is helping them contend for European trophies while keeping hold of the club's best players. Erling Haaland, Patson Daka and Enock Mwepu are among those the club inevitably had to sell recently. The headline talent this season is German international Karim Adeyemi, while there are also seven players with a value of at least £10 million, meaning you have plenty to work with from day one.
Top tip: Send out Maurits Kjaergaard on loan in season one, as his finishing stat of 8/20 overall is a little too raw for the Champions League but his five-star potential is worth developing.
5 – Fenerbahce
Transfer budget = £4.59 millionWage budget = £0k/week
Difficult rating = 2/5
With no league title in seven years, Fenerbahce begin FM22 as favourites to end that run but will have to do so with an ageing squad bereft of talented youngsters. Twelve of their first-team squad are at least 27 years old and there are no players with five-star potential. With a limited transfer budget and already high wage budget, the trick here is building a younger side while remaining in the title hunt.
Top tip: You'll need to decide on Ferdi Kadioglu straight away, as his contract expires in 2022. He begins some game saves unwilling to renew his deal, so it may be better to cash in on him now or risk losing him for free.
