In OpenTTD, the costs of everything inflates. Inflation for cargo payment rates and costs are different. Inflation is limited to the first 170 years of game play. The inflation rate for costs is equal to the initial interest rate of the game, as determined by the game difficulty, and the cargo payment inflation rate is about 1 percentage point below the cost inflation rate. Effectively, inflation means that your revenue after 50 years will be 61% of normal, your revenue after 100 years will be 37% of normal, and your revenue after 170 years will be 18% of normal.
Unless the economy is set to steady it may go into a recession 2-4 times per century. Each recession typically lasts 9 to 12 months. During a recession these points change:
- The production of industries is reduced to half of the normal value.
- The amount of passengers and mail produced by town houses and headquarters is also reduced to half of the normal value.
- No new industries will be built (since r21169/OpenTTD 1.1.0).
Note: It is possible to get a century with 4 recessions, but that is a very rare occurrence. You are much more likely to get 2 or 3 recessions in a given century.
Loans can be taken out by a player. The maximum loan varies during the game according to inflation. Loan interest is paid monthly to the bank, at the current interest rate. The initial interest rate is set at the game start according to the difficulty settings. The interest rate does not change during the game. To quickly repay a loan, press ctrl + click the repay loan button on the finances screen, which allows you to repay as much as possible. The same goes for borrowing money.
If you buyout a company (see the next section), their loan will be added to yours. This can cause you to have a loan bigger than the normal maximum permitted loan amount.
In single player, once a company has started selling its shares, you may buy them 25% at a time by paying 1/4 of the company's labeled value. You may then sell them at a later date when the company's value has increased for a profit, or buy 100% to take over the company. In doing so you will gain all of the company's vehicles, infrastructure, and cash, but also their debt.
Shares can be used to make a lot of money, if you buy and sell them at the right time. Buying shares in a starting company is very cheap, but it can be risky, because the company might fail and your investment is lost. But if the company flourishes you can easily get your investment back hundredfold (or several thousandfold, if you wait long enough).
Note that for multiplayer games, you can only buy 75% of a company. There is no way to take over a rival company (run by a human).
In order to buy shares, the company of which shares will be bought from must be at least six years old (configurable as of commit 7c9dedb).
The expense of property maintenance depends on the company's number of rail and road pieces, canals, and station/airport tiles. The more units of infrastructure you have, the more you pay per unit of infrastructure for maintenance. This means bigger companies have to pay more for infrastructure maintenance than smaller companies. You can see the cost and amount for each type of infrastructure by clicking the Details button in the company window or the Infrastructure button in the Finances window.