[RPG] How much gold should a character gain per level

character-levelsdnd-5egm-techniquestreasure

I DM a group of 5 level 2 PCs, and currently they each have approximately 150gp each. I was just wondering if there's an average or recommended amount of gp that a PC should gain per level?

Best Answer

At the start of level 5 they should have roughly 700 gold each, and at the end 3000 gold each - so they gain a total of about 2300 gold.

The amount of gold you gain isn't the same each level, as you level up the amount of wealth you accumulate will increase. It's unfortunately not easy to figure out, but luckily Martin_DM on reddit has done the math already:

Hello! This is a level-by-level breakdown of the expected wealth that PCs will earn, if the DM uses only the Treasure Hoard tables in DMG 137-139 and the guidelines for total rolls on those tables found at the bottom of DMG 133.

These calculations do not include magic items at all

I posted this all on r/dndnext a couple months ago, but a friend suggested that it would be useful here, so here we are! I hope it is a useful tool for other DMs.

A few words about how I arrived at these numbers, so that anyone can check the math. Each Hoard Table has a certain amount of coins, and the authors were kind enough to include an average value. Those coins are all added together and expressed in a gold piece value (g) for each table. Additionally, each table has a d% chance of rolling for some gems or art at a listed value. All 100 chances for treasure were averaged together at the average value for each line.

The details for the Average Treasure rolls are as follows:

Tier 1 (0-4) Tier 2 (5-10) Tier 3 (11-16) Tier 4 (17-20)
6x nothing 4x nothing 3x nothing 2x nothing
26x 2d6x 10g (gems) 24x 2d4x 25g (art) 26x 2d4x 250g (art) 25x 3d6x 1000g (gems)
34x 2d4x 25g (art) 24x 3d6x 50g (gems) 25x 2d4x 750g (art) 25x 1d10x 2500g (art)
34x 2d6x 50g (gems) 25x 3d6x 100g (gems) 23x 3d6x 500g (gems) 24x 1d4x 7500g (art)
23x 2d4x 250g (art) 23x 3d6x 1000g (gems) 24x 1d8x 5000g (gems)
Tier 1 (0-4) Tier 2 (5-10) Tier 3 (11-16) Tier 4 (17-20)
Average roll - 179.7g Average roll - 687.5g Average roll - 4712.5g Average roll - 15,837.5g
Coins - 196g Coins - 3857g Coins - 31,500g Coins - 322,000g

Now that we have those numbers, we can get to the distribution. Here is where it gets slightly subjective. I've done my best to fairly space out the rolls on the Hoard Tables throughout each tier. You might have slightly different preference for distribution, but at the end of each tier, the totals will be the same.

Tier 1 (7 Rolls) Tier 2 (18 Rolls) Tier 3 (12 Rolls) Tier 4 (8 Rolls)
Level 1 - 1 Level 5 - 2 Level 11 - 1 Level 17 - 1
Level 2 - 1 Level 6 - 2 Level 12 - 1 Level 18 - 2
Level 3 - 2 Level 7 - 3 Level 13 - 2 Level 19 - 2
Level 4 - 3 Level 8 - 3 Level 14 - 2 Level 20 - 3
Level 9 - 4 Level 15 - 3 Level 10 - 4 Level 16 - 3

Again, that is my own subjective distribution. Your mileage may vary slightly.

Putting these rolls together gives us an average party wealth. We'll assume a party of four and divide accordingly, rounding to the nearest gold piece. Level 20+ represents the end of the campaign or the first epic boon, as appropriate. These values are cumulative, each one includes the wealth of previous levels. Also remember that this does not include magic items.

Level PC Wealth upon reaching level
1 Starting Gear*
2 94g
3 188g
4 376g
5 658g
6 2930g
7 5404g
8 8610g
9 12,019g
10 16,563g
11 21,108g
12 30,161g
13 39,214g
14 57,320g
15 75,427g
16 102,586g
17 129,745g
18 214,204g
19 383,123g
20 552,042g
20+ 805,420g

*starting gear is not included in any entry after level 1

Well there you have it! If the DM uses the suggested number of Hoard Tables throughout the campaign, this is the total amount of treasure each party member will have acquired. The mid-tier numbers are slightly subjective, but the numbers for Level 5, Level 11, Level 17, and Level 20+ are exact. One final note: this only gives an average number for the wealth that players might find, it does not account for expenditures on gear, lifestyle expenses, etc.

The DMG also has a table for starting campaigns at different levels. However this isn't useful in your case because you are talking about playing through a campaign not starting at level 5. If you misunderstand this table and think it is about how much wealth you will have per level, then you end up in a bizarre situation where from level 1 through 4 you don't gain any gold at all, then at level 5 gain 500 + 1d10 * 25 gold. Then until level 10 you don't gain any gold at all again. So it's not helpful to try and use this table for anything other than its stated purpose.