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Starting Gold 5e

Currency and gold in DnD 5e are incredibly important. Even in fantasy lands, money makes the world go round. Today, we’re looking at starting gold in DnD 5e: how to calculate it, and how to tailor it to your campaign

Starting Gold Rules

“When you create your character, you receive equipment based on a combination of your class and background. Alternatively, you can start with a number of gold pieces based on your class and spend them on items from the lists in this chapter. See the Starting Wealth by Class table to determine how much gold you have to spend.”

Player’s Handbook

This can be a bit confusing, but there are basically two ways to determine your starting gold by the rules of 5e. 

Players have the choice of either gold or equipment. 

If players choose the equipment, their class gives them a few standard choices of equipment that they can choose from, and then their starting gold is determined by their background. 

If players choose gold, they’ll roll a set number of dice in order to determine their starting gold and then the players can choose their own equipment at the DM’s discretion. 

Both ways are perfectly fine but it all depends upon the DM’s decisions. With the gold route, you may end up with more gold and equipment than before, but it all depends on the roll of the dice.  

Level 1 Starting Gold

There are several different ways to determine starting gold in DnD 5e. The first (and probably the easiest) is done by class when first creating your character. Each character class has its own set number of randomized gold. They can roll on the chart or take the average and from there purchase their starting equipment directly from the DM. 

This has the potential to get either much better equipment and gold, or it could leave the player with the bare minimum of gold and equipment. 

Class GoldAverage
Artificer 5d4 x 10gp125 gp
Barbarian 2d4 x 10gp50 gp
Bard 5d4 x 10gp125 gp
Cleric 5d4 x 10gp125 gp
Druid 2d4 x 10gp50 gp
Fighter 5d4 x 10gp125 gp
Monk 5d4 gp13 gp
Paladin 5d4 x 10gp125 gp
Ranger 5d4 x 10gp125 gp
Rogue 4d4 x 10gp100 gp
Sorcerer 3d4 x 10gp75 gp
Warlock 4d4 x 10gp100 gp
Wizard 4d4 x 10gp100 gp

Starting Equipment and Gold by Background

Each background has a set amount of gold that players get when they choose the standard starting equipment. It’s a set amount so players will know exactly how much they’ll receive at level one. 

The standard equipment will usually let players pick a starting weapon that they’re able to use and then some tools. This is all standard equipment that’s great for new players.

After players finish choosing their starting equipment, they can choose a background that gives them a set number of starting gold. 

BackgroundStarting GP
Acolyte 15gp
Anthropologist (ToA) 10gp
Archeologist (ToA)25gp
Charlatan (PHB) 15gp
City Watch / Investigator (SCAG) 10gp
Clan Crafter (SCAG) 5gp gem and 10gp
Cloistered Scholar (SCAG) 10gp
Courtier (SCAG) 5gp
Criminal / Spy 15gp
Entertainer (PHB) 15gp
Faction Agent (SCAG) 15gp
Far Traveler (SCAG) 10gp jewelry and 5gp
Folk Hero 10gp
Gladiator (PHB) 15gp
Guild Artisan/Merchant (PHB) 15gp
Haunted One (COS) None
Hermit (PHB) 5gp
Inheritor (SCAG) 15gp
Knight (PHB) 25gp
Knight of the Order (SCAG) 10gp
Mercenary Veteran (SCAG) 10gp
Noble 25gp
Outlander (PHB) 10gp
Pirate (PHB) 10gp
Sage 10gp
Sailor (PHB) 10gp
Soldier 10gp
Urban Bounty Hunter (SCAG) 20gp
Urchin (PHB) 10gp
Uthgardt Tribe Member (SCAG) 10gp
Waterdhavian Noble (SCAG) 20gp

Starting Gold By Levels

What happens when you have players start at higher levels, though? 

Good question, dear reader. It all depends on the DM, but if you’re tapped out on ideas the Dungeon Master’s Guide has some help. They have a list that will help you figure out how much equipment and gold if you’re starting out at higher levels. 

If you want a quick reference you can check below or on page 38 of the Dungeon Master’s Guide

Character LevelLow Magic CampaignStandard CampaignHigh Magic Campaign
1st–4thNormal starting equipmentNormal starting equipmentNormal starting equipment
5th–10th500 gp plus 1d10 × 25 gp, normal starting equipment500 gp plus 1d10 × 25 gp, normal starting equipment500 gp plus 1d10 × 25 gp, one uncommon magic item, normal starting equipment
11th–16th5,000 gp plus 1d10 × 250 gp, one uncommon magic item, normal starting equipment5,000 gp plus 1d10 × 250 gp, two uncommon magic items, normal starting equipment5,000 gp plus 1d10 × 250 gp, three uncommon magic items, one rare item, normal starting equipment
17th–20th20,000 gp plus 1d10 × 250 gp, two uncommon magic items, normal starting equipment20,000 gp plus 1d10 × 250 gp, two uncommon magic items, one rare item, normal starting equipment20,000 gp plus 1d10 × 250 gp, three uncommon magic items, two rare items, one very rare item, normal starting equipment
D&D Player’s Handbook
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12/09/2022 08:46 am GMT
Starting Gold in 5e DnD

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D&D Player’s Handbook
$49.95 $19.25

Buy on Amazon Buy at Noble Knight
We earn a commission if you make a purchase, at no additional cost to you.
12/09/2022 08:46 am GMT