wrecan
- Jun 2005 -
19235 Posts

Expected Character Wealth by Level Chart

Often, in the forums, people ask for an expected character wealth by level chart, similar to as it existed in 3e, so they can check to see if their players have been overtreasured or undertreasured.  Since magic items and other stuff you can buy with coin is somewhat determinative of campaign balance, I can understand the desire for such a chart.

This chart is derived primarily from the treasure parcel tables in the DMG.  I made this chart, but I also use the optional inherent bonus rules and I also devised a system for inherent masterwork bonuses.   So the chart assumes the players will have a weapliment, armor, and neck slot at the "Item" bonus automtically.  The rest of their wealth is in "Cash".  If you don't use the inherent bonus rules, you will have to add in the value of the +X items the characters are expected to have into the mix.

Inherent Masterwork Bonuses: Don't forget that the inherent bonus system still expects player characters to acquire masterwork armor.  If you want to include the expected masterwork bonus as part of the inherent bonus, as I have, then give players with an Item bonus of +2 or greater a number of points equal to their Item bonus.  Wearers of cloth, leather, and hide, reduce these points by two.  The player may then distribute these points as an inherent bonus to AC and one non-AC defense (Fortitude, Reflex, or Will).  Wearers of plate may spend these points to gain resist damage (all) instead of granting a bonus to a non-AC defense.  Allow players to redistribute these points whenever their Item bonus increases.

Expected Character Wealth by Level
(Without Inherent Bonuses)

Heroic Level

Cash (gp)
Gain/ Level (gp)
 
 
 
Paragon Level Cash (pp) Gain/ Level (pp)  
 
 
Epic Level Cash
(ad)
Gain/ Level (ad)
1 100 100  


 
2 1,560 1,460   12 390 120   22 97.5 30
3 2,040 480   13 510 120   23 127.5 30
4 2,520 480   14 630 120   24 157.5 30
5 3,640 1,120   15 910 280   25 227.5 70
6 5,400 1,760   16 1,350 440   26 337.5 110
7 7,800 2,400   17 1,950 600   27 487.5 150
8 10,200 2,400   18 2,550 600   28 637.5 150
9 12,600 2,400   19 3,150 600   29 787.5 150
10 18,200 5,600   20 4,550 1,400   30 1,137.5 350
11 27,000 8,800   21 6,750 2,200   31 1,687.5 550
Expected Character Wealth by Level
(Using Inherent Item and Masterwork Bonuses)

Heroic Level

Item Cash (gp)
Gain/ Level (gp)
 
 
 
Paragon Level Item Cash (pp)
Gain/ Level (pp)
 
 
 
Epic Level Item Cash (ad)
Gain/ Level (ad)
1 +0 100 100  



 
2 +1 125 25   12 +3 90 40   22 +5 22.5 10
3 +1 150 25   13 +3 130 40   23 +5 32.5 10
4 +1 175 25   14 +3 170 40   24 +5 42.5 10
5 +1 200 25   15 +3 210 40   25 +5 52.5 10
6 +1 1,000 800   16 +3 250 40   26 +5 62.5 10
7 +2 1,800 800   17 +4 450 200   27 +6 112.5 50
8 +2 2,600 800   18 +4 650 200   28 +6 162.5 50
9 +2 3,400 800   19 +4 850 200   29 +6 212.5 50
10 +2 4,200 800   20 +4 1,050 200   30 +6 262.5 50
11 +2 5,000 800   21 +4 1,250 200   31 +6 312.5 50

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