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The higher the troop tier, the higher is upkeep.

Approximate upkeep per tier per million troops

As you can see, troops’ upkeep grows pretty fast. So if you don’t want to lose all your cash you have to do something about the upkeep. One thing you can do is to reduce it using various items, the other way – the not recommended way, is to get zeroed in the Gold Rush. As I said, the second way is not recommended.

Items that reduce cash upkeep:

– Upkeep Reduction items (can reduce 25% or 50%)

– Godfather’s Diary (gold item max augmented: 24%)

Upgrades that reduce cash upkeep

– Investments / Criminal Enterprise / Avg. Pay Cut (10%)

– Investments / Criminal Enterprise / Adv. Pay Cut (15%)

Upgrades that indirectly reduce cash upkeep

– Hitman Agency / Equipment Services / Godfather Equipment Expert

+5% of Godfather equipment effect: (1.2%)

– Pawnbroker level Elite 6

+4% of Godfather equipment effect: (0.96%)

So theoretically you can get a 101.16% upkeep reduction (which should result in having 0 upkeep).

But there is always something else and some more details. So let’s get to it.
All troops from Tier 1 to Tier 11 behave the same way. The more troops you have, the higher is upkeep. Meanwhile, Tier 12 behaves differently. With T12 you have a limited capacity of troops before they start consuming safe cash reserves (after you run out of your protected cash). Once you run out of cash T12 troops will be sent to the family service center (1% of troops per hour), and when family service center capacity is reached, they will start dying.