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Chapter 10: Game Mastering / Rewards / Treasure

Treasure for New Characters

Source Core Rulebook pg. 510 2.0
When your new campaign starts at a higher level, a new player joins an existing group, or a current player’s character dies and they need a new one, your campaign will have one or more PCs who don’t start at 1st level. In these cases, refer to Table 10–10: Character Wealth on the next page, which shows how many common permanent items of various levels the PC should have, in addition to currency. A single item on this table is always a baseline item. If the player wants armor or a weapon with property runes, they must buy the property runes separately, and for armor or a weapon made of a precious material, they must pay for the precious material separately as well.

These values are for a PC just starting out at the given level. If the PC is joining a party that has already made progress toward the next level, consider giving the new character an additional item of their current level. If your party has kept the treasure of dead or retired PCs and passed it on to new characters, you might need to give the new character less than the values on the table or reduce some of the treasure rewards of the next few adventures.

Table 10-10: Character Wealth

LevelPermanent ItemsCurrencyLump Sum
1-15 gp15 gp
21st: 120 gp30 gp
32nd: 1, 1st: 225 gp75 gp
43rd: 1, 2nd: 2, 1st: 130 gp140 gp
54th: 1, 3rd: 2, 2nd: 1, 1st: 250 gp270 gp
65th: 1, 4th: 2, 3rd: 1, 2nd: 280 gp450 gp
76th: 1, 5th: 2, 4th: 1, 3rd: 2125 gp720 gp
87th: 1, 6th: 2, 5th: 1, 4th: 2180 gp1,100 gp
98th: 1, 7th: 2, 6th: 1, 5th: 2250 gp1,600 gp
109th: 1, 8th: 2, 7th: 1, 6th: 2350 gp2,300 gp
1110th: 1, 9th: 2, 8th: 1, 7th: 2500 gp3,200 gp
1211th: 1, 10th: 2, 9th: 1, 8th: 2700 gp4,500 gp
1312th: 1, 11th: 2, 10th: 1, 9th: 21,000 gp6,400 gp
1413th: 1, 12th: 2, 11th: 1, 10th: 21,500 gp9,300 gp
1514th: 1, 13th: 2, 12th: 1, 11th: 22,250 gp13,500 gp
1615th: 1, 14th: 2, 13th: 1, 12th: 23,250 gp20,000 gp
1716th: 1, 15th: 2, 14th: 1, 13th: 25,000 gp30,000 gp
1817th: 1, 16th: 2, 15th: 1, 14th: 27,500 gp45,000 gp
1918th: 1, 17th: 2, 16th: 1, 15th: 212,000 gp69,000 gp
2019th: 1, 18th: 2, 17th: 1, 16th: 220,000 gp112,000 gp

Item Selection

Source Core Rulebook pg. 511 2.0
You should work with the new character’s player to decide which items their character has. Allow the player to make suggestions, and if they know what items they want their character to have, respect their choices unless you believe those choices will have a negative impact on your game. At your discretion, you can grant the player character uncommon or rare items that fit their backstory and concept, keeping in mind how many items of those rarities you have introduced into your game. The player can also spend currency on consumables or lower-level permanent items, keeping the rest as coinage. As usual, you determine which items the character can find for purchase.

A PC can voluntarily choose an item that has a lower level than any or all of the listed items, but they don’t gain any more currency by doing so.

If you choose, you can allow the player to instead start with a lump sum of currency and buy whatever common items they want, with a maximum item level of 1 lower than the character’s level. This has a lower total value than the normal allotment of permanent items and currency, since the player can select a higher ratio of high-level items.