Wealth and Money

Table: Starting Character Wealth
Other Wealth
Selling Treasure

Special Materials

Cold Iron
Silver, Alchemical


Weapon Qualities
Weapon Descriptions
Masterwork Weapons


Armor Descriptions
Masterwork Armor
Armor for Unusual Creatures
Getting Into and Out of Armor


Goods and Services

Related Products in the Open Gaming Store!

Wealth and Money

Table: Starting Character Wealth
Class Starting Wealth Average
Alchemist 3d6 × 10 gp 105 gp
Arcanist 2d6 × 10 gp 70 gp
Barbarian 3d6 × 10 gp 105 gp
Bard 3d6 × 10 gp 105 gp
Bloodrager 3d6 × 10 gp 105 gp
Brawler 3d6 × 10 gp 105 gp
Cavalier 5d6 x 10 gp 175 gp
Cleric 4d6 × 10 gp 140 gp
Druid 2d6 × 10 gp 70 gp
Fighter 5d6 x 10 gp 175 gp
Gunslinger 5d6 x 10 gp 175 gp
Hunter 4d6 × 10 gp 140 gp
Inquisitor 4d6 × 10 gp 140 gp
Investigator 3d6 × 10 gp 105 gp
Kineticist 1d6 × 10 gp 35 gp
Magus 4d6 × 10 gp 140 gp
Medium 4d6 × 10 gp 140 gp
Mesmerist 3d6 × 10 gp 105 gp
Monk 1d6 × 10 gp 35 gp
Occultist 4d6 × 10 gp 140 gp
Oracle 3d6 × 10 gp 105 gp
Paladin 5d6 × 10 gp 175 gp
Psychic 2d6 × 10 gp 70 gp
Ranger 5d6 × 10 gp 175 gp
Rogue 4d6 × 10 gp 140 gp
Shaman 3d6 × 10 gp 105 gp
Skald 3d6 × 10 gp 105 gp
Slayer 5d6 × 10 gp 175 gp
Sorcerer 2d6 × 10 gp 70 gp
Spiritualist 2d6 × 10 gp 70 gp
Summoner 2d6 × 10 gp 70 gp
Swashbuckler 5d6 × 10 gp 175 gp
Vigilante 5d6 × 10 gp 175 gp
Warpriest 5d6 × 10 gp 175 gp
Wizard 2d6 × 10 gp 70 gp
Witch 3d6 × 10 gp 105 gp

Each character begins play with a number of gold pieces that he can spend on weapons, armor, and other equipment.

As a character adventures, he accumulates more wealth that can be spent on better gear and magic items. Table: Starting Character Wealth lists the starting gold piece values by class. In addition, each character begins play with an outfit worth 10 gp or less. For characters above 1st level, see Table: Character Wealth by Level.


Table: Coins
Exchange Value cp sp gp pp
Copper piece (cp) 1 1/10 1/100 1/1,000
Silver piece (sp) 10 1 1/10 1/100
Gold piece (gp) 100 10 1 1/10
Platinum piece (pp) 1,000 100 10 1

The most common coin is the gold piece (gp). A gold piece is worth 10 silver pieces (sp). Each silver piece is worth 10 copper pieces (cp). In addition to copper, silver, and gold coins, there are also platinum pieces (pp), which are each worth 10 gp.

The standard coin weighs about a third of an ounce (50 to the pound).

Other Wealth

Merchants commonly exchange trade goods without using currency. As a means of comparison, some trade goods are detailed on Table: Trade Goods.

Selling Treasure

In general, a character can sell something for half its listed price, including weapons, armor, gear, and magic items. This also includes character-created items.

Trade goods are the exception to the half-price rule. A trade good, in this sense, is a valuable good that can be easily exchanged almost as if it were cash itself.

Starting Treasure

Source GMG

By default, we tend to think of starting characters as inexperienced beginners who have scraped together a few coins to equip themselves with mundane items for a new life of adventure. By adjusting what beginning characters start with, you can use starting treasure to define the characters, making them part of the world they’re about to explore.

Starting Play With Magic Items

Giving each of the PCs a starting magic item makes them more robust and capable from the jump, and can be useful for smaller groups. Campaign concepts in which the characters already enjoy wealth, status, or recognition might also be reinforced with starting magic. For example, the PCs might be the younger generation of a land’s great trading houses. It makes narrative sense for their families to give them a leg up over other adventurers.

One option is to grant the players a collective budget of 1,500 gp per person, which they can use to buy any number of magic items. Leave them alone to agree on a distribution; they might get one mighty item, used by only one of them, or many lesser ones, so everybody gets something. The budget can only be spent on magic; they don’t get to keep leftover cash.

Keep a close eye on what the players purchase, and veto anything that might break the game from the beginning. Also be prepared to adjust encounter difficulties to account for the increased competence of magically equipped parties.

Be careful starting young or inexperienced players with magic items. Giving the stuff away can devalue the classic moment when a player finds her first piece of magical gear out in the wild.

Heirloom Items

When characters start play with magical items, ask players to create a brief story explaining how they got them. The story should not only reveal something about the item, but also about the person who carries it. Avoid bogging down the introductory adventure with a recitation of each description. Instead, space them out by waiting until the items see use in play, prompting each player to supply his own anecdote. We’re calling these heirloom items, because the most obvious story is that the item was handed down in the character’s family. This explanation humanizes the character and creates a supporting cast the GM can bring into narrative moments. No longer are the PCs rootless vagabonds; they have a history, and people they care about. Alternative explanations are as varied as your players’ creativity. An item might be a loan from an organization or patron, which you can weave into your campaign as it develops. Characters might tell of finding the item themselves, in a moment predating their adventuring careers. A rogue might have stolen her item, implying an enemy character who may appear later looking to get it back. Consider ways to build on each mini-narrative, crafting them into a broader story.

Non-magical equipment can also be treated as heirlooms, especially for characters from impoverished backgrounds. That scuffed-up suit of leather armor might be a hand-me-down from a roguish uncle, or a precious bit of loot from a terrible battle that took place nearby a generation ago.

Setting Items

Another way to add flavor to starting magic items is to use them to introduce details of your world. Make a list of each treasure item selected, or the most notable piece of standard gear carried by each PC. Avoid consumable items, which are unlikely to have survived long enough to have interesting histories attached to them. Develop quick snippets of narration referring to their histories. For example:

  • “Your sword’s blade is new, but the haft is a crude, cast-iron handgrip bearing the runes of a king who ruled a duergar kingdom 2 centuries ago. The haft gives your sword its magic.”
  • “Faint hieroglyphs on the hand of the mage you wear around your neck date it to an ancient period. The mummified appendage might have belonged to a vizier of a god-king, who lived and breathed 5,000 years ago.” Highlight facts about the world you expect to take on greater significance in the course of play. Alternatively, you might choose random setting details and then use them as inspiration for adventure hooks.

Plot Items

Plot items work like setting items, except that, instead of referring to great events of the past, they set up future developments in the PCs’ personal stories. Introduce them to the players before the action begins, perhaps with a brief description on an index card. Be careful not to impose choices that alter a player’s character background. Work with the player until you have a hook that works for you, and a personal detail that fits her vision. Although secrets occasionally lead to interesting play, backstories the players are willing to share with the rest of the group are more likely to take an active role in play.

At a suitable moment in the action, invite the player to describe the item and its backstory to the other players. Examples include:

  • “I found this magical feather in a red vellum envelope, slipped under my door at the inn the day before I set out for the big city. A note inside was signed only, ‘Your benefactor.’” (The gift establishes a mystery, the identity of the benefactor, which you can slowly develop and finally reveal.)
  • “This darkwood shield was given to me by my uncle, who said it saved his hide several times, back during the gnoll raids.” (This detail introduces a mentor figure who can give the PCs crotchety advice, and sets up the possibility that the gnolls will rise again to terrorize the area.)

Mighty Items

Under ordinary circumstances, avoid giving starting PCs magical weapons that would normally be reserved for much higher-level characters. Overpowered items can wreak havoc with your ability to scale encounters to the characters’ capabilities.

As a change of pace, though, a powerful item can drive the premise for a campaign or a series of linked adventures within a campaign. Getting an item that outclasses them leads the PCs into a series of crises. Entities better equipped to use the item hunt them down and try to take it away from them. Political leaders treat them as a destabilizing threat to public order. Do-good sages try to capture the dangerous item and lock it in a vault forever. Meanwhile, the characters realize that they have a goal to achieve or duty to perform that requires them to hold onto the item until certain events occur or conditions are met.

For starting PCs, a major item may be mighty enough to make the plot work. Relics or artifacts, however, carry more cachet and are more likely to be received with a mixture of glee and fear. Create a new artifact for the purpose, or modify an existing one. Limit its number of uses so that the characters can occasionally use it to blow through superior opposition, but can’t rely on it to overcome every obstacle they run up against. The players should have to think hard before pulling it from their arsenal. It might cause additional problems whenever it is used. The item might do collateral damage to surrounding people and buildings, or its use might alert pursuers to the party’s presence.

Wealthy Characters

Princes, scions of mighty trading houses, and other characters of wealth and influence bring a ready supply of plot hooks to your game. But the modest starting budget given to player characters would seem to rule out certain background concepts. World logic says that their vast resources ought to include any piece of gear available for sale, but game balance requires that treasure must be earned in the course of play.

This can be addressed in the character’s background. Perhaps the character is proving a point to doubting elders, stealing away from familial duties to lead a footloose life, or has been banished from the fold, justly or not.

During play, you might also acknowledge the characters’ wealth in areas other than the equipment list. Ordinary citizens fawn over them. They have many contacts and enjoy access to the highest levels of society. Their non-combat garb might be expensively impressive—though of course, social rules forbid them to sell it to buy useful adventuring gear.

Alternatively, if other players consent, a player with a character concept that logically demands it might get a 10–20% bonus to their starting budget.