0.5% of your ***** decays per tick
yes the more u save the more it wil decay, but with topfams productions nowdays often... at some point they start to saving. smaller fams wil never have a chance to even get close to their savings.

perhaps we should use a exponentional formula regarding decay, so if u for instance make 100k a tick, u decay 5k, if u make 200k a tick u decay double so not 0.5% but 1% instaid. 400k 2%, 800k 4% etc

this to prevent fams from savings to much, thus spending it either more on infra, or since that doesnt pay off at some point more on action.
wil give us more smaller wars, where people dont get outjumped by millions of nw. the better fams stil wil have their advantidge, but gives the smaller one yet a fighting chance.

its just an example the the correct formula should be done with some testing ofc.
u could also use their fams nw as base for what the decay should be, then fams wil have a choice too, grow nw heavy by building fleet in peacetime. thus having more decay thus less savings (but that will be the safe way to play it) or let ur bankers be sitting ducks with barely anny defences yet having lower decay thus more savings for when in war.

theirs alot of ways to balance decay at skill level from a fam kinda (and wer stil talking about infra!)