The Equipment section comprises the following:

- Wealth and Money
- Weapons
- Armor
- Goods and Services (this section was broken up due to its large size)
- Materials
- Mastercraft Items
- Magic Items

Starting Wealth

Assume a character owns at least one outfit of normal clothes. Pick any one of the following clothing outfits: artisan's outfit, entertainer's outfit, explorer's outfit, monk's outfit, peasant's outfit, scholar's outfit, or traveler's outfit.

If you wish to choose your character's equipment yourself, you can begin with a randomly rolled amount of gold, based on your character's class, or the DM can simply assign the average value:

**Table 1: Starting Wealth By Class**

Class | Amount | Average) |
---|---|---|

Barbarian | 4d4 x 10 gp | 100 gp |

Bard | 3d6 x 10 gp | 105 gp |

Cleric | 3d6 x 10 gp | 105 gp |

Druid | 2d6 x 10 gp | 70 gp |

Fighter | 6d4 x 10 gp | 150 gp |

Monk | 5d4 gp | 12 gp, 5 sp |

Paladin | 5d4 x 10 gp | 125 gp |

Ranger | 4d4 x 10 gp | 100 gp |

Rogue | 3d6 x 10 gp | 105 gp |

Sorcerer | 3d4 x 10 gp | 75 gp |

Wizard | 3d4 x 10 gp | 75 gp |

**Starting Wealth for Characters Above 1st Level**

The table below lists gold totals for PCs and NPCs starting out at levels above 1st. These figures are based on a 5-person party with an average of 13 encounters per level. It can also be used as a guideline by the DM for how much wealth to hand out at a given level - if the PCs have more than is listed, he can scale it back; if they have less, he can hand out a little more.

**Table 2: Starting Wealth By Level**

Level | GP/Encounter | Wealth/PC | Exp. Wealth Gain |
Starting gp |
---|---|---|---|---|

1 | 375 gp | 999 gp | 900 gp | — |

2 | 600 gp | 1,999 gp | 1,800 gp | 900 gp |

3 | 1,250 gp | 3,332 gp | 3,000 gp | 2,700 gp |

4 | 1,750 gp | 4,665 gp | 4,200 gp | 5,700 gp |

5 | 2,375 gp | 6,331 gp | 5,700 gp | 9,900 gp |

6 | 3,000 gp | 7,998 gp | 7,200 gp | 15,600 gp |

7 | 3,750 gp | 9,997 gp | 9,000 gp | 22,800 gp |

8 | 4,625 gp | 12,330 gp | 11,100 gp | 31,800 gp |

9 | 5,750 gp | 15,329 gp | 13,800 gp | 42,900 gp |

10 | 7,125 gp | 18,995 gp | 17,100 gp | 56,700 gp |

11 | 8,875 gp | 23,660 gp | 21,300 gp | 73,800 gp |

12 | 11,000 gp | 29,326 gp | 26,400 gp | 95,000 gp |

13 | 13,625 gp | 36,324 gp | 32,700 gp | 121,400 gp |

14 | 16,875 gp | 44,988 gp | 40,500 gp | 154,100 gp |

15 | 20,875 gp | 55,652 gp | 50,000 gp | 194,600 gp |

16 | 25,750 gp | 68,649 gp | 61,800 gp | 244,700 gp |

17 | 31,625 gp | 84,312 gp | 75,900 gp | 306,700 gp |

18 | 38,625 gp | 102,974 gp | 92,600 gp | 382,400 gp |

19 | 46,875 gp | 124,968 gp | 112,400 gp | 475,000 gp |

20 | 56,500 gp | 150,629 gp | 135,500 gp | 587,500 gp |

21 | 67,625 gp | 180,288 gp | 162,300 gp | 723,100 gp |

22 | 80,825 gp | 213,946 gp | 192,500 gp | 885,300 gp |

23 | 94,375 gp | 251,603 gp | 226,400 gp | 1,077,900 gp |

24 | 110,000 gp | 293,260 gp | 263,900 gp | 1,304,300 gp |

25 | 127,125 gp | 338,915 gp | 305,000 gp | 1,568,300 gp |

26 | 145,750 gp | 388,569 gp | 350,000 gp | 1,873,300 gp |

27 | 165,875 gp | 442,222 gp | 398,000 gp | 2,223,000 gp |

28 | 187,500 gp | 499,875 gp | 450,000 gp | 2,621,000 gp |

29 | 210,625 gp | 561,526 gp | 505,300 gp | 3,071,000 gp |

30 | 325,250 gp | 627,126 gp | 564,500 gp | 3,576,200 gp |

31 | 261,375 gp | 696,825 gp | 627,100 gp | 4,140,700 gp |

32 | 289,000 gp | 770,474 gp | 693,400 gp | 4,767,800 gp |

33 | 318,125 gp | 848,121 gp | 763,300 gp | 5,461,300 gp |

34 | 348,750 gp | 929,767 gp | 836,800 gp | 6,224,600 gp |

35 | 380,875 gp | 969,507 gp | 913,900 gp | 7,061,400 gp |

36 | 414,500 gp | 1,015,412 gp | 995,000 gp | 7,975,300 gp |

37 | 449,625 gp | 1,105,057 gp | 1,078,800 gp | 8,969,800 gp |

38 | 486,250 gp | 1,198,700 gp | 1,166,700 gp | 10,048,600 gp |

39 | 524,375 gp | 1,296,342 gp | 1,258,200 gp | 11,215,300 gp |

40 | 564,000 gp | 1,397,983 gp | 1,353,300 gp | 12,473,500 gp |

*GP/Encounter:* How much wealth the PCs should expect to get per encounter.

*Treasure from Encounters:* This is simply the first column multiplied by 13.33, the standard number of encounters per level.

*Wealth/PC:* The second column divided by 5. This is how much each PC gains over the course of a level, before "operating costs".

*Expected Wealth Gain:* This is the total amount of wealth a PC gains over the course of a level, minus 10% for "operating costs" - potions, scrolls, ammunition, food, lodging, repairs to armor/weapons, etc. This figure is rounded to the nearest hundred.

*Starting Wealth:* The gp total a character starting at a given level should have. This figure is rounded to the nearest hundred. The rule of thumb here is that if a PC starts at a level above 1st, no single item he has should exceed 1/4 of his starting wealth. This is also a good guideline for granting items as loot.