Derby County host Sheffield Wednesday on the final day of the Championship on Saturday.

Between them the two sides have won six English league titles, four FA Cups and competed in European Cup semi-finals and quarter-finals respectively. They were both Premier League regulars in the mid-90s and early noughties.

But now they are both scrapping for their second tier lives.

Wednesday have been here before. They're hoping to avoid a third relegation to League One in 18 years. As for Derby, this is uncharted territory except for fans of a particular age.

You have to go back to 1986 for the last time the Rams tasted third tier football.

And yet for all the hullabaloo surrounding Saturday's Pride Park showdown, both of these grand old clubs could be relegated if Derby fail to win and Rotherham seal three points at Cardiff.

It is a match which is bound to be fraught with mistakes and nerves. After all, there is not just personal pride at stake but also huge financial repercussions.

This year, dropping down into the third tier will be even more catastrophic for club coffers given the lack of revenue from fans being allowed in stadiums for the past 14 months. Add in the drop in TV money when moving from the Championship to League One, and it represents a significant hit to the purse-strings for either, or potentially both clubs.

Kieran Maguire, the well-respected football finance guru, estimates the cost of dropping into the third tier to be significant.

Wayne Rooney is out to keep Derby in the Championship in his first managerial role

Speaking to our colleague at Yorkshire Live recently, he said: "We're talking about a £6million reduction in TV money.

"From the point of view of trying to get those big sponsorship deals, clubs would then be two steps away from the Premier League as opposed to one.

"That means there are other clubs in the queue ahead of them. I've spoken to some commercial directors from EFL clubs recently and they say things are really tough.

Wednesday fell just short in the Championship playoff final in 2016
Wednesday fell just short in the Championship playoff final in 2016

"You throw the potential gambling ban, in terms of sponsorship, into the mix and add in Covid and it's a very, very challenging time in the world of football."

So here we are, on the eve of a monumental game for both sides but for reasons they would not have predicted just a few seasons back.

Wednesday contested the 2016 Championship play-off final, Derby the 2019 edition.

Both suffered slender losses to regional rivals but their demise has been painful to witness for both fan-bases since.

And Saturday could see it get a whole lot worse.