Dungeon Master Assistance

A place to share thoughts and ideas about Dungeons and Dragons

D&D 5E – Character Wealth per Level


If a character doesn’t start at level 1, what should they start with in terms of gold and magic items?

Whenever a PC dies and the player rolls up a new character, I always have the new character start at the same level as the rest of the party. The same goes whenever a new player joins an existing game. So when they roll up their new higher level character I have them start with their first level inventory and any appropriate equipment based on their class and level. I also give them magic items similar in power to the items the other PCs have.

However, sometimes it is not that easy. That is when I use the following.

Starting Gold:

I give them gold based on their level. They start with their level 1 gold based on their class, and then add the following gold based on their starting level.

Level Gold
1 0
2 376
3 751
4 1,504
5 2,632
6 16,267
7 29,902
8 43,537
9 57,172
10 70,807
11 84,442
12 156,842
13 229,242
14 301,642
15 374,042
16 446,442
17 518,842
18 1,190,892
19 1,862,942
20

2,534,992

They spend from this to equip their character. They can spend as much of their gold on magic items as they choose up to the limit shown below.

Magic Items:

I use this for Magic Item Prices:
https://drive.google.com/file/d/0B8XAiXpOfz9cMWt1RTBicmpmUDg/view

Note that this is for newly created characters only.
Your character gets 2 points for each character level. You can buy magic items from the provided list (I often modify the list based on the campaign) based on the chart below.

Rarity Cost
Common 2 points
Uncommon 4 points
Rare 8 points
Very Rare 16 points
Legendary 36 points

You can’t have more than one of any non-consumable magic item. For every combat item you get, you must get at least one noncombat item before selecting another combat item.

Example: If you are 8th level you will have 16 points to spend. You can get 1 very rare, or 2 rare, or 8 common, or 1 rare and 1 uncommon and 2 common magic items, or any other combination that adds up to 16. Half or more must be noncombat items.

5 responses to “D&D 5E – Character Wealth per Level

  1. DDOCentral March 5, 2021 at 10:24 am

    I just looked at your profile. We both live in Colorado Springs! I probably live only 15 minutes away from you. 🙂

    Liked by 1 person

    • Ronny March 5, 2021 at 11:33 am

      Amazing! You wouldn’t happen to be looking to join a Friday night game to join? For now the game I am running is virtual (Fantasy Grounds and Zoom) but I am looking forward to the time I can re-start the game I was running at my house before this Covid problem popped up.

      Liked by 1 person

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