The Merseyside club announced pre-tax losses of £46million earlier this month – and have estimated that the final cost of the coronavirus pandemic will hit £120million.
And Klopp has now admitted that Anfield bosses have put two transfer strategies in place for the summer – neither of which includes a significant overhaul of his squad.
Klopp said: “What happens in one season always has an impact on the next season.
“Success-wise and money-wise, that is clear.
“So we try to be prepared for pretty much everything from a scouting and coaching point of view.
“Qualifying for the Champions League is always our main target because it's so really important to the club.
“But if we don't qualify then we won't suddenly stop playing – and we will not buy eight players if we do qualify.
“So there's not a big difference. We will see how it works out.
“This season has had so many turns and ups and downs, but qualifying is important – that is clear.
“And for the players it is even more important from a joy point of view.
“They all desperately want to play in the Champions League - and we have to use that."