Wealth By Level Table

21 posts / 0 new
Last post


Wealth By Level










































































































Level



Total Gold per Level



1



$100



11



$49,539



21



$1,285,539



2



$852



12



$68,339



22



$1,755,539



3



$1,924



13



$95,139



23



$2,425,539



4



$3,443



14



$133,139



24



$3,375,539



5



$5,539



15



$185,539



25



$4,685,539



6



$8,339



16



$255,539



26



$6,435,539



7



$12,099



17



$349,539



27



$8,785,539



8



$17,459



18



$483,539



28



$12,260,539



9



$25,059



19



$673,539



29



$17,385,539



10



$35,539



20



$935,539



30*



$24,685,539



Total Money over 30 Levels



$34,685,539



 * A Player gains an additional 10 Million gp over the course of being level 30.



The Wealth-By-Level Chart is based entirely on the value of all Magic Items a party would obtain in parcels over the course of a level (in addition to the Total Monetary Treasure); this value is then equally distributed amongst all of the players.  These values are not made up, altered, rolled, estimated, or based on some obscure value that somebody believes could be potentially correct or that somebody believes should be balanced.


You might ask: why would I ever want to use the Wealth By Level system?  

✦ Balance.  All players in a party gain an equal amount of gold (or gold equivalents).  No player is left empty-handed by the end of a level while one player gets a godly item, unlike with the parcels system.

✦ Static Value.  This has a pre-determined value, unlike the variable system proposed in Essentials.

✦ Quick Reference.  Look up your level, find your gold.  No more rolls, no more calculations, no more flipping through multiple books.


Contents
This is quick glance at the contents presented in this thread:


✦ Advanced Wealth By Level Table
This is the fully detailed Wealth By Level Table, complete with all of the values I used to determine the Total Gold per Level.

✦ Understanding the Wealth By Level Table
This section breaks down the advanced Wealth By Level Table to help you understand how I obtained the values presented.

✦ Epic Mathematics
Here I present you with the core equation, as well as provide details on how to use it to calculate each value.

✦ Categories and Values
Each of the Wealth By Level's categories are detailed here.

✦ Sample Equations
Some examples of the equation are listed under this section.

The Parcels System
In my opinion, Wizards made a lot of good changes with 4thEdition.  One of these changes was replacing the many variables of 3.5 with simple, static modifiers.  In most cases, they minimized chance to allow for more balanced optimization.  However, there is one mechanic they decided to screw around with:  Wealth. 

In 3.5, Wealth is simple: all characters gain a predetermined amount of gold pieces.  That’s it.  As a DM, you could choose how the characters would gain this gold; maybe they’d find rare antiques or décor, or perhaps they’d find an ancient relic or weapon.  Or, perhaps they’d simply just pull 50,000 gold coins out of a giant’s gut.  Regardless of how they obtained it, there was a fixed value.


In 4.0 however, WotC decided it would be best to make part of the Wealth system based on some obscure, random values.  


✦ Magic Items.  A 5 player party gains 4 Magic Items of varying level.  Umm..  what?  Not only are there not enough magic items to go around where one player is not going to get anything, but another player is going to get an item with a value 4 levels higher than their own level?  Not very balanced.


✦ Total Monetary Treasure.  If you add up parcels 5 through 10, you gain the Total Monetary Treasure value listed at the top of each table.  6 out of the 10 have a total monetary treasure value.. so why stop and trade the static numbers for something dramatically variable?


✦ Essentials.  Rather than gaining static  Monetary Treasure, you instead have to roll for it.  Its equally as possible to have a long string of horrible rolls as it is to have excellent rolls.  Sure, its also possible to have balanced rolls..  but..  why don’t you just have balanced gold to begin with?


I have noticed that some players and DM's have been unsatisfied, and been left asking redundant questions about wealth, rewards, treasure, and value; this can make additional unnecessary work for the DM.  I have seen plenty of threads and posts where players ask about Wealth-By-Level, or some kind of simple finance system.  So, I took the liberty of compiling this information for those that are interested, and just want a simple gold equivalent.


BUT ENOUGH!  On to the information!


Reference
All information for this Table came from the Player's Handbook and the Dungeon Master's Guide.  


DMG p.126:  Treasure Parcels Table
PHB p.223:  Magic Item Prices Table 



I have been working on this table for a little bit of time, but I am definitely not a mathematician.  If there are any errors, please let me know!  Thanks

This is also a repost from another forum; it was originally a miscategorized thread.


Advanced Wealth By Level Table


An Overview
The Wealth By Level Table, while looking complex, is actually quite simple.  There are 5 categories:

Total Gold per Level:  The amount of gold a character should start with at the beginning of each level.
Total Gold Gained Each Level:  The amount of gold a single character should earn over the course of a level.
Total Gold per Party:  The amount of gold the entire party should earn over the course of a level.
Total Monetary Treasure:  The total value of monetary treasure you would obtain in parcels.
Total Magic Treasure:  The total value of all magic items you would obtain in parcels.

The Total Monetary Treasure and Total Magic Treasure values are added together to give you the Total Gold per Party,  which is then divided by the number of players in the party to give you the Total Gold Gained.  The Total Gold per Level for a current level is simply the Total Gold per Level and Total Gold Gained of a previous level added together.





































































































































































































































































Level



Total Gold per Level



Total Gold Gained Each Level



Total Gold per Party



Total Monetary Treasure



Total Magic Treasure



1



$100



$752



$3,760



$720



$3,040



2



$852



$1,072



$5,360



$1,040



$4,320



3



$1,924



$1,519



$7,595



$1,355



$6,240



4



$3,443



$2,096



$10,480



$1,680



$8,800



5



$5,539



$2,800



$14,000



$2,000



$12,000



6



$8,339



$3,760



$18,800



$3,600



$15,200



7



$12,099



$5,360



$26,800



$5,200



$21,600



8



$17,459



$7,600



$38,000



$6,800



$31,200



9



$25,059



$10,480



$52,400



$8,400



$44,000



10



$35,539



$14,000



$70,000



$10,000



$60,000



11



$49,539



$18,800



$94,000



$18,000



$76,000



12



$68,339



$26,800



$134,000



$26,000



$108,000



13



$95,139



$38,000



$190,000



$34,000



$156,000



14



$133,139



$52,400



$262,000



$42,000



$220,000



15



$185,539



$70,000



$350,000



$50,000



$300,000



16



$255,539



$94,000



$470,000



$90,000



$380,000



17



$349,539



$134,000



$670,000



$130,000



$540,000



18



$483,539



$190,000



$950,000



$170,000



$780,000



19



$673,539



$262,000



$1,310,000



$210,000



$1,100,000



20



$935,539



$350,000



$1,750,000



$250,000



$1,500,000



21



$1,285,539



$470,000



$2,350,000



$450,000



$1,900,000



22



$1,755,539



$670,000



$3,350,000



$650,000



$2,700,000



23



$2,425,539



$950,000



$4,750,000



$850,000



$3,900,000



24



$3,375,539



$1,310,000



$6,550,000



$1,050,000



$5,500,000



25



$4,685,539



$1,750,000



$8,750,000



$1,250,000



$7,500,000



26



$6,435,539



$2,350,000



$11,750,000



$2,250,000



$9,500,000



27



$8,785,539



$3,475,000



$17,375,000



$3,250,000



$14,125,000



28



$12,260,539



$5,125,000



$25,625,000



$4,250,000



$21,375,000



29



$17,385,539



$7,300,000



$36,500,000



$5,250,000



$31,250,000



30



$24,685,539



$10,000,000



$50,000,000



$6,250,000



$43,750,000



Total Money over 30 Levels



$34,685,539



$34,685,539



$173,427,195



26,560,795.00



$146,866,400



A 30th Level Character should be able to purchase approximately eleven 30th level magic items.  


It is important to know that the values of this Wealth By Level Table are based on a 100% Sell value for all magic items gained, and are meant for a 5 person party.  If you have a different number of players, details are presented under Epic Mathematics (under Modifying The Equation) on how to modify the Wealth By Level values accordingly.

If you prefer your games to have a 50% or a 20% Sell Value, it is highly recommended that you allow the players to make up that 50% or 80% elsewhere.




Epic Mathematics

The Almighty Equation To Determine Wealth!
 

X = A + B


Gah!  It's too much!


 


Ok, sure this is the simplified version.  Allow me to break it down.

B = C/5
C = D + E or Z
E = F + G + H + l
Z = previous E or Z – previous I + F


So the actual equation would look a little more along these lines:

X = A + ( ( D + (F + G + H + l) ) /5)
Or
X = A + ( ( D + (Z – I + F) ) /5)


Values
X = Current Level's Total Gold per Level
A = Previous Level's Total Gold per Level
B = Total Gold Gained Each Level
C = Total Gold per Party
D = Total Monetary Treasure
E = Total Magic Treasure
F = Highest Level Magic Item Gained
G = Magic Item Gained
H = Magic Item Gained
I = Lowest Level Magic Item Gained
Z = Alternative equation to E


Modifying The Number of Players

If you have more or less than 5 players in your game, the DM's Guide provides information on the number of magic items that are added or removed from parcels.  To determine how to balance the Wealth By Level table for the appropriate number of players, you will need to find the total value of all magic items added or removed from these parcels.

Once you have this value, simply add or subtract this value from E.  In addition, you will divide C by the number of players in your party instead of dividing by 5.



Example Equations
Here are some basic examples of the equation used to calculate the Wealth of various low level characters.

Level 1 Character
X = A + ( ( D + (F + G + H + l) ) /5)
X = 100 + ( (720 + (1,000 + 840 + 680 + 520) ) /5)
               E = 3,040
X = 100 + ( (720 + 3,040) /5)
               C = 3,760
X = 100 + (3,760/5)
               B = 752
X = 100 + 752
X = 852gp

A Level 1 Character gains 852gp over the course of its level (this includes the 100gp you begin play with).  Alternatively, a Level 2 Character begins play with 852gp.  



Level 2 Character
X = 852 + ( (1,040 + (1,800 + 1,000 + 840 + 680) ) /5)
               Z = 3,040 – 520 + 1,800 = 4,320, also equals E
X = 852 + ( (1,040 + 4,320) /5)
               C = 5,360
X = 852 + (5,360/5)
               B = 1,072
X = 852 + 1,072
X = 1,924gp

A Level 2 Character gains 1,072gp over the course of its level.  Alternatively, a Level 3 Character begins play with 1,924gp.  



Level 3 Character
X = A + ( ( D + (F + G + H + l) ) /5)
X = 1924 + ( (1355 + (2,600 + 1,800 + 1,000 + 840) ) /5)
               Z = 4,320 – 680 + 2,600 = 6,240, also equals E
X = 1924 + ( (1355 + 6240) /5)
               C = 7595
X = 1924 + (7595/5)
               B = 1519
X = 1924 + 1519
X = 3443gp

A Level 2 Character gains 3307gp over the course of its level.  Alternatively, a Level 3 Character begins play with 1,924gp.


Categories and Values

Categories Details


Total Gold per Level


Equation Value:  X, A*.
This is the amount of gold each character should start with at each level.  This value is determined by adding together the Total Gold per Level and the Total Gold Gained of the previous level. 

For example, a Level 3 Character begins play with 1924gp.

* The Total Gold per Character of the previous level has an Equation Value of A.  A always has a value of 100gp for Level 1 Characters.  



Total Gold Gained Each Level


Equation Value:  B
This is the amount of gold each character gains during the progress of a level.  This value is determined by dividing the Total Gold per Party by 5 (the number of players in the party).


For example, a Level 2 Character gains 1072gp over the course of its level (allowing a Level 3 Character to begin play with 1924gp). 

 


Total Gold per Party


Equation Value:  C
This is the amount of gold that the entire party gains before being distributed amongst the players.  This value is determined by adding together the Total Monetary Treasure and the Total Magic Treasure of the previous level.

For example, a Level 2 party gains 5,360gp over the course of its level. 


 


Total Monetary Treasure


Equation Value:  D
This is simply the value stated on the corresponding Treasure Parcels table.

For example, a Level 2 party gains 1,040gp over the course of its level.  


 


Total Magic Treasure


Equation Value:  E, Z*
This is the primary value to the whole Wealth-By-Level table, and consists of 5 variables.  This value is determined by adding together the value of all Magic Items you would gain this level.

For example, a Level 2 party gains 4,320gp over the course of its level; the item values are 1,800gp (F) + 1,000gp (G) + 840gp (H) + 680 gp (I).

The equation values are as follows:
F:    Value of the Highest Level Magic Item
G:   Value of Magic Item 1
H:   Value of Magic Item 2
I:     Value of Lowest Level Magic Item

* The Z equation is an alternate method to calculating E.  To determine Z, take the previous level’s value for E or Z, subtract the value of the previous level’s I, and add the value of the current level’s F.  

Example of E and Z equations for a Level 3 Character
E = 2,600 (F) + 1,800 (G) + 1,000 (H) + 840 (I) = 6,240gp
Z = 4,320 (previous E or Z) – 680 (previous I) + 2,600 (F) = 6,240gp





Are you of the opinion that using this table is easier than using the treasure parcel system in the DMG, or provides a noticably more entertaining result for the players?

Because I'm not. 
Ever feel like people on these forums can't possibly understand how wrong they are? Feeling trolled? Don't get mad. Report Post.
I am.



Its simple.  Its balanced.  It doesn't give variable amounts of treasure.  It doesn't give a player a magic item 4 levels higher, while leaving another player without an item. 
It looks kinda boring, and it'll take a lot of epic out of the treasure when everything you get is at level or level + 1 just because you don't want to give some guy an awesome +4 item.

Not to mention that the parcel system will still give everyone an occasional shot of awesome treasure, and this system will still have situations where one guy gets nothing and the other guy gets something.

Dunno. I'm not convinced of it's usefulness yet.
Epic Dungeon Master

Want to give your players a kingdom of their own? I made a 4e rule system to make it happen!

Your Kingdom awaits!
Update 5th Sep 2011: Added a sample kingdom, as well as sample of play.
Are you of the opinion that using this table is easier than using the treasure parcel system in the DMG...


Easier, no.  More entertaining, no.  

I designed this for balance reasons only.  Rather than telling me 10 different ways I can gain gold equivalents during a level, why not just list the gold equivalent?  Those 10 different ways are simply flavour and samples anyway.

At the very least, now you know the precise gold equivalent each player should be getting for their level.  If the player or a DM wants to use that gold equivalent to introduce an item 4 levels higher, they may still do so.  Only now, its balanced.

It looks kinda boring


Yup, boring and balanced.  Its a static chart, not a Wish spell.  

and it'll take a lot of epic out of the treasure when everything you get is at level


Did I mention anything about level restrictions anywhere?  This is about a gold cap, not a level cap.

this system will still have situations where one guy gets nothing and the other guy gets something.

 
This system will ABSOLUTELY NOT have a single situation where one guy gets nothing.  Not one.  Nope.  Had you read even the slightest bit of my post, you would know that.

With this system, all players gain an equal amount of gold at every level.  What each player chooses to do with that gold, or how the DM chooses to give out that gold, is entirely up to them.


Here are some excerpts:

"...all characters gain a predetermined amount of gold pieces."  Line 4, paragraph 1, Introduction.

"...this value is then equally distributed amongst all of the players."  Line 2, paragraph 7, Introduction.

"These values are not made up, altered, rolled, estimated, or based on some obscure value..."  Line 2, paragraph 8, Introduction.


I'd add more, but since I've already shown three from the introduction alone, I'd rather just stick with these examples.

Ultimately, this is simply about variable value vs. static value.  Most of the variable values in 3.5 were modified or removed.  Wealth By Level was a static value that was turned variable.  

Finally, 

So, I took the liberty of compiling this information for those that are interested, and just want a simple gold equivalent.



 
mispost
I find this both interesting and useful.  Thanks for writing it up!
I did like the way Third Edition handled treasure, everyone in the party would put everything in a big pile and divide the value of everything in the pile by the number of characters and we'd all get a list of how much the magic items were worth and we would buy them out of the pile if we wished.

Sometimes this would lead to a bidding war between characters where an item would be bought for more than it was worth. That money would go back in the pot and divided up among the characters again so you got some of your money back.

In Fourth Edition I use a program called Masterplan to keep track of Treasure Parcels that I hand out in certain encounters, but when I see one character holding a magic item of greater value than the other characters I have mixed feelings. That character with the higher level item has something cool for awhile until another character gains an item that's of higher level. It's cool, but I'm in agreement that it's not balanced. It does on the other hand make palyer's excited when they find a powerful item.

Sydonis... are you using an exel spreadsheet for this? If so, I wouldn't mind getting a copy of the Advanced Wealth by Level sheet somehow and see if I could apply it to my current game, since my group is just starting second level. I might try this for a couple of levels and see what the player's think.
 It does on the other hand make palyer's excited when they find a powerful item.


Agreed!  And there's nothing wrong with that once and a while.  But to base a whole ststem on it..  meh.  It gives me mixed feelings as well.

To keep this balanced, you could do one of two things

1.  Give a player a high level item and no monetary treasure, while giving other players several lower level items and some monetary treasure.  This system allows you to give out an equal amount of gold to all players in any form you wish, without some players gaining more than others.

2.  Take the value of a high level item, divide this value by 5, and subtract this value from each player's Total Gold per Level.  This allows a high level item to be shared amongst the group without giving anyone more gold, and adding the concept of powerful communal items.

 Either way, vary it up!

 
Sydonis... are you using an exel spreadsheet for this? If so, I wouldn't mind getting a copy of the Advanced Wealth by Level sheet somehow and see if I could apply it to my current game, since my group is just starting second level. I might try this for a couple of levels and see what the player's think.


I do have an excel file for this, yes.  Message me your email, and I'll send you what I have. 
Awesome, thanks. I sent you my email.

And it has crossed my mind to give multiple items to other characters to balance out a higher level item.

I like the idea of dividing the value for the party to share, works the same as a player buying the item from the treasure and then splitting the money out to the other characters.

I'm sure there's a way to balance it while keeping it exciting and your list will help I think.


Advanced Wealth By Level Table






































Level



Total Gold per Level



Total Gold Gained Each Level



Total Gold per Party



Total Monetary Treasure



Total Magic Treasure



1



$100



$752



$3,760



$720



$3,040



2



$852



$1,072



$5,360



$1,040



$4,320









I like this alot better than the Parcel System. I don't understand it myself since it looks like a random die table. I just want to know how much money my players are expected to have, and how many magic items they might have at around which level. At this point I know that a party of 4 should work out like this.

 




















Level



Total Gold per Level



Total Gold Gained Each Level



Total Gold per Party



Total Monetary Treasure



Total Magic Treasure



1



$100



$752



$3,008



$576



$2,432




As such each of my players should have around 144 gold(Tacked onto the original 100g) and 608g worth of Magic Items.

I actually might use this as a guideline for my treasure expenditure for the group now.

 
Ant Farm
At this point I know that a party of 4 should work out like this.

 




















Level



Total Gold per Level



Total Gold Gained Each Level



Total Gold per Party



Total Monetary Treasure



Total Magic Treasure



1



$100



$752



$3,008



$576



$2,432



 



Wow, I hadn't predicted that at all...  subtract the value of the associated magic item, then divide by 4, and it gives you the same result as if you had the item and divided by 5.  Now that is trippy.

I was expecting that value to be slightly lower..  not by much, but even a minor variation.  Awesome how it works out..  maybe the Wealth By Level values are universal regardless of the number of players you have, simpy due to the addition or removal of the magic item value.  I'll have to test that out.

If this is true, what makes it even stranger is that WotC would rather fill pages and PAGES of redundant parcel information, rather than simply state "All players get x gold".   I can understand releasing various gold equivalents (parcels, magic items, boons) in addition to the table, but they didn't.  

As such each of my players should have around 144 gold(Tacked onto the original 100g) and 608g worth of Magic Items. 



Sure, if that's how you want to divvy it up.  I usually let the players start the game with one awesome item, one moderate item, and the remaining value in gold.  As for obtaining magic items later at a merchant or in a dungeon, i usually have a small list generated at random, with requested items slipped in.

You could also just give them the straight gold and see what they come up with. 
Good stuff.
The concept itself needs a bump or two, every few months.


Here's previous work on this same topic:

Kordak ... community.wizards.com/go/thread/view/758...

aDMg ..... community.wizards.com/go/thread/view/758...

Some more referenced. I'm sure there are more.

Here comes your 19th forums breakdown ... ohh who's to blame, it ain't 5E driving you insane.

 



Sure, if that's how you want to divvy it up.  I usually let the players start the game with one awesome item, one moderate item, and the remaining value in gold.  As for obtaining magic items later at a merchant or in a dungeon, i usually have a small list generated at random, with requested items slipped in.

You could also just give them the straight gold and see what they come up with. 



I mostly play Dark Sun so my players arent even going to be able to get many magical items. They all started off with one, and I'm not giving them any more until after they reach lvl 5. Right now they are at lvl 3.

As far as gold goes, most of there treasure is property of who they are working for. It gains them favor with them in case they need something, but aside from that they are pretty much SOL. They actually killed two crystal scorpions so I am figuring out how much they get for selling the crystal remains, hence this chart will help out alot.
Ant Farm
I just want to know ... how many magic items they might have at around which level. 

Sorry, there can't be a table for that.

In an optimized party that is NOT using inherent bonuses, most characters will have 3 magic items that need upgraded every 5 levels. And will receive (in a standard party of 5 characters) 4 magic items every 5 levels. That 4th item, depending on what they pick, might NEVER be replaced. So from 5th level up, the expected number of magic items they would possess is 3+level/5 plus or minus one. Unless they choose to spend gold buying more, possibly selling a 4th item for extra cash to buy more lower-level items.

In a non-optimized party, or a party that IS using inherent bonuses, there's no telling. My bard is at level 7 and using inherent bonuses; she was built at level 6 with 5 magic items, none of them above level 4, and a significant cash reserve. (And I need to go find the descriptions of the DM-created custom magic items acquired in-game.)

"The world does not work the way you have been taught it does. We are not real as such; we exist within The Story. Unfortunately for you, you have inherited a condition from your mother known as Primary Protagonist Syndrome, which means The Story is interested in you. It will find you, and if you are not ready for the narrative strands it will throw at you..." - from Footloose
I don't think the C.O.board has hashed out what happens
when you go with the Dark Sun or DMG2 inherent bonuses.

You are supposed to get Boons in the two leftover slots.
If your DM wants to "mess" with you like Gygax, those boons could be useable just once.
If your DM wants to keep some semblance to the regular game, the boons will last indefinitely.

Regardless, the PC builds need to know how this'll all work ahead of time.
Otherwise you are "messed" that much more.
How much is that old boon worth?
Uh-oh, the game math has gone by-by.

Here comes your 19th forums breakdown ... ohh who's to blame, it ain't 5E driving you insane.

 

I've made a simple spreadsheet and am playing with these numbers for my own campaign.  My sheet agrees with your numbers up until level 27, and at that point your magic items values deviate from the DMG values, (unless there's an errata that's not in the update document for the DMG.)  Can you cite your source for item values from levels 27-30?
I've made a simple spreadsheet and am playing with these numbers for my own campaign.  My sheet agrees with your numbers up until level 27, and at that point your magic items values deviate from the DMG values, (unless there's an errata that's not in the update document for the DMG.)  Can you cite your source for item values from levels 27-30?


I doublechecked the values from levels 1 to 20.  When I saw no deviation for these values on any level, I simply assumed that it worked all the way through.  I'll double check the values and make any revisions that may be necessary.  Thanks for catching that!

 
I designed this for balance reasons only....Those 10 different ways are simply flavour and samples anyway.



I can see the usefulness for your table for gaming groups that play 4e like a game of chess or an afternoon of Stratego or Axis & Allies board game. But the statement is wrong for those who play the game as ROLEplaying game. For them, it is far more than "simply flavour." Original D&D boxed sets in its scant few pages had more life in it for what this game is really all about than the thousands of pages WoTC has ever produced. This is why there were no "rogues" in OD&D instead there were THIEVES, you made up any xp and gold value differences through either a special gaming session with your DM on a thieves guild mission or a seperate objective for the guild during the regular quest with group. The same goes for knights, clerics, etc... it was far more than flavour. To a degree this still exists in what 4e likes to call "sidetreks" but statements like yours and that "balance" word just further show the vast rift in the RPG world, it saddens me.
I can see the usefulness for your table for gaming groups that play 4e like a game of chess or an afternoon of Stratego or Axis & Allies board game. But the statement is wrong for those who play the game as ROLEplaying game.


I strongly disagree, and your comment is rather pretentious.  People have different preferences; if you prefer previous editions, then your time is better spent playing previous editions rather than judgeing those who play this edition.  Its just a waste of everyone's time really.

Balance can be important.  For example, if one person continuously gets high level items while another player continues to get nothing (as is possible with the current system vs. 3e), then it could cause agitation.  People don't play to get agitated.