Skip to content
Part 3
Europa Universalis IV

Part 3

Explore the mechanics of War Taxes, Stability, Loans, Inflation, Bankruptcy, and more in Europa Universalis IV. Understand how these factors impact your nation's development and military.

By ···10 min read·Multi-source verified
1 reading this guide  

Explore the mechanics of War Taxes, Stability, Loans, Inflation, Bankruptcy, and more in Europa Universalis IV. Understand how these factors impact your nation's development and military.

This section details various game mechanics and their effects in Europa Universalis IV.

Army Tradition Decay: 0.03 per year

Navy Tradition Decay: 0.03 per year

Prestige Decay: 5% a year

War Taxes

  • Global Tax Modifier: +50% more tax
  • War Exhaustion: Increased by 2

Stability

  • Interest Reduction: 1% per positive point
  • Merchants: +1 per year for each positive point
  • Merchant Compete Chance: +5% per positive point
  • Merchant Placement Chance: +5% per positive point
  • Global Revolt Risk: -1 per positive point
  • Spy Defence: +5% per positive point

Positive Stability

  • Global Tax Modifier: +10% for each point

Negative Stability

  • Global Revolt Risk: +1 for each point

Cancelled Loan

  • Interest Rates: Increased by 3%

Bank Loan

  • Interest Rates: Increased by 2% per loan

Inflation

  • Build Cost: Increased 1% per 0.1 of inflation
  • Stability Cost: Increased 1% per 0.1 of inflation
  • Merchant Cost: Increased 1% per 0.1 of inflation
  • Colonist Cost: Increased 1% per 0.1 of inflation
  • Missionary Cost: Increased 1% per 0.1 of inflation
  • Infantry Cost: Increased 1% per 0.1 of inflation
  • Cavalry Cost: Increased 1% per 0.1 of inflation
  • Artillery Cost: Increased 1% per 0.1 of inflation
  • Big Ship Cost: Increased 1% per 0.1 of inflation
  • Lightship Cost: Increased 1% per 0.1 of inflation
  • Galley Cost: Increased 1% per 0.1 of inflation
  • Transport Cost: Increased 1% per 0.1 of inflation
  • Land Tech Cost: Increased 1% per 0.1 of inflation
  • Trade Tech Cost: Increased 1% per 0.1 of inflation
  • Naval Tech Cost: Increased 1% per 0.1 of inflation
  • Government Tech Cost: Increased 1% per 0.1 of inflation
  • Production Tech Cost: Increased 1% per 0.1 of inflation
  • Advisor Cost: Increased 1% per 0.1 of inflation
  • Spy Cost: Increased 1% per 0.1 of inflation

Bankruptcy

  • Global Revolt Risk: +1
  • Interest Rates: Increased by 10%
  • Land Morale: -2
  • Navy Morale: -2

War

  • Diplomats: +1 per year if at war
  • Maximum War Exhaustion: 10
  • Increase in War Exhaustion: 0.041 per month
  • Merchant: -1 per year if at war

Peace

  • Maximum War Exhaustion: 10
  • Decrease in War Exhaustion: 0.083 per month

War Exhaustion

  • Stability Investment: -1
  • Global Revolt Risk: +1

Trade Efficiency

  • Merchant Compete Chance: +0.5% for 1% of Trade Efficiency
  • Merchant Placement Chance: +0.5% for 1% of Trade Efficiency

Production Efficiency

  • Colonist Placement Chance: 0.2% for 1% of Production Efficiency

Trade Refusal

  • Trade Efficiency: -3% Penalty
  • Trade Tech Investment: -2

Trade Agreement

  • Trade Efficiency: -3% Penalty

Defender of Faith

  • Land Morale: +0.5
  • Navy Morale: +0.5
  • Production Tech: 20% Slower
  • Trade Tech: 20% Slower
  • War Exhaustion: -0.025
  • Prestige: +0.01

Emperor

  • Diplomat: +1 per year
  • Spy Defence: +5%
  • Prestige: +0.01

States in Holy Roman Empire

  • Stability Investment: +1
  • Global Manpower: X0.5 to Emperor
  • Land Forcelimit: +2

Luck

  • Merchant Compete Chance: +10%
  • Colonist Placement Chance: +10%
  • Missionary Placement Chance: +10%
  • Leader Fire: +1
  • Leader Shock: +1
  • Land Tech Cost: -0.02
  • Trade Tech Cost: -0.02
  • Naval Tech Cost: -0.02
  • Government Tech Cost: -0.02
  • Production Tech Cost: -0.02
  • Spy Efficiency: +5%
  • Stability Cost: -0.50

Badboy

  • Foreign Merchant Compete Chance: Reduced 1% for each BadBoy
  • Stability Cost: Increased by 0.01 for each Badboy

Prestige

  • Merchant Placement Chance: +1% for each Point Positive
  • Colonist Placement Chance: +1% for each Point Positive
  • Missionary Placement Chance: +1% for each Point Positive
  • Spy Efficiency: Increased 1% for each Point Positive
  • Land Morale: +0.05 for each Point Positive
  • Naval Morale: +0.05 for each Point Positive
  • Diplomat: +0.1 for each Point Positive

Controlled Cardinals

  • Prestige: +0.02 Point for Each Controlled Cardinal
  • Stability Investment: +1 for Each Controlled Cardinal
  • Spy Efficiency: Increased 2% for Each Controlled Cardinal

Africa

Adal

  • Government: Despotic Monarchy
  • Capital: Deker, Harer Province
  • Aristocracy / Plutocracy: -3
  • Centralsation / Decentralisation: 2
  • Innovative / Narrowminded: 1
  • Mercentilism / Freetrade: -3
  • Offensive / Defensive: 1
  • Land / Naval: -1
  • Quality / Quantity: 1
  • Serfdom / Free Subjects: -5
  • Technology Group: African
  • Religion: Sunni
  • Primary Culture: Somali

National Ideas: National Conscripts, Shrewd Commerce Practice, Divine Supremacy, National Trade Policy, Military Drill, Engineer Corps, Battlefield Commissions, Merchant Adventures, Grand Army, Espionage

Leaders:

  • 1442 - Mohammed Bin Badley: 4.4.4 (D.A.M)
  • 1454 - Ibrahim Bin Mohammed: 3.3.3 (D.A.M)
  • 1464 - Ibrahim Fah Nesrudin: 3.3.3 (D.A.M)
  • 1468 - Mohamed Bin Azhar: 3.3.4 (D.A.M)
  • 1498 - Mohammed Bin Aubaker: 3.3.3 (D.A.M)

100% Human-Written. AI Fact-Checked. Community Verified. Learn how AntMag verifies content