Wealth by Level

Rules Index

The Character Wealth by Level table tells GMs and players how much gear a character of a given level should have. Use it when starting a new campaign at higher levels, rebuilding a character, or auditing whether the party is over- or under-equipped. The treasure per encounter table drives the distribution — characters accumulate wealth through play and the two tables should stay roughly in sync.

Character Wealth by Level

Level	Wealth (gp)
1	varies by class
2	1,000
3	3,000
4	6,000
5	10,500
6	16,000
7	23,500
8	33,000
9	46,000
10	62,000
11	82,000
12	108,000
13	140,000
14	185,000
15	240,000
16	315,000
17	410,000
18	530,000
19	685,000
20	880,000

WBL Quick Lookup

Character Level

880,000 gp

Total expected wealth at level 20

Rough slot guideline

220,000

One big item ~25%

220,000

Two medium ~25%

440,000

Remainder ~50%

One big item = weapon, armor, or primary stat booster. Two medium = secondary stat items, cloak, ring. Remainder = consumables, scrolls, wands, minor wondrous items.

Starting Wealth by Class

1st-level characters roll their class's starting wealth die and spend the result on equipment before play begins. This bypasses the WBL table — it applies only for characters beginning at level 1.

Class	Roll	Average (gp)
Monk	1d6 × 10	35
Druid, Sorcerer, Summoner, Wizard	2d6 × 10	70
Alchemist, Barbarian, Bard, Oracle, Witch	3d6 × 10	105
Cleric, Inquisitor, Magus, Rogue	4d6 × 10	140
Cavalier, Fighter, Gunslinger, Paladin, Ranger	5d6 × 10	175

Treasure per Encounter

Each encounter awards this much treasure (in gp value) on average. Not every encounter needs treasure — some are roleplaying or environmental — but the totals should average out over a session. Multiply by roughly 13–14 encounters per level to see how WBL accumulates.

CR	Treasure (gp)	CR	Treasure (gp)
1	400	11	19,200
2	800	12	25,600
3	1,200	13	38,400
4	1,600	14	51,200
5	2,400	15	76,800
6	3,200	16	102,400
7	4,800	17	153,600
8	6,400	18	204,800
9	9,600	19	307,200
10	12,800	20	409,600

Cost of Living

Between adventures, characters spend money on housing and food. Characters who can't or won't pay suffer consequences to their ability to maintain their equipment and social standing.

Lifestyle	Monthly Cost	Description
Destitute	0 gp	No home; cannot maintain gear properly. Equipment degrades at GM discretion.
Poor	3 gp	Common room or shanty; minimal food. Sufficient for adventurers spending most time in the field.
Average	10 gp	Modest room at an inn or rented apartment; decent meals. The standard for working-class townspeople.
Wealthy	100 gp	Nice room or small apartment; fine food and drink. Expected for nobles and successful merchants.
Extravagant	1,000 gp	Private manor or lavish inn suite; servants, fine wine, entertainment. Only high-level wealthy characters sustain this.

Selling Items

Standard Rule

Selling any item — mundane or magical — to a merchant yields 50% of its listed market price. There are no exceptions in the core rules. Adventurers accept this because merchants take on risk and resale overhead.

Crafting to Stretch WBL

Characters with item creation feats pay only 50% of market price to make items. Combined with the sell-at-50% rule, crafters effectively double their purchasing power for items they can make themselves. See Crafting.