Treasure for New Characters

When your new campaign starts at a higher level, a new player joins an existing group, or a current player's character dies and they need a new one, your campaign will have one or more PCs who don't start at 1st level. In these cases, refer to the Character Wealth table, which shows how many common permanent items of various levels the PC should have, in addition to currency. A single item on this table is always a baseline item. If the player wants an armor or a weapon made of a precious material, they must pay for the precious material separately. These values are for a PC just starting out at the given level. If the PC is joining a party that has already made progress toward the next level, consider giving the new character an additional item of their current level. If your party has kept the treasure of dead or retired PCs and passed it on to new characters, you might need to give the new character less than the values on the table or reduce some of the treasure rewards of the next few adventures. ### Character Wealth Level Permanent Items Currency Lump Sum 1 — 150 credits 150 credits 2 1st: 1 200 credits 300 credits 3 2nd: 1, 1st: 2 250 credits 750 credits 4 3rd: 1, 2nd: 2, 1st: 1 300 credits 1,400 credits 5 4th: 1, 3rd: 2, 2nd: 1, 1st: 2 500 credits 2,700 credits 6 5th: 1, 4th: 2, 3rd: 1, 2nd: 2 800 credits 4,500 credits 7 6th: 1, 5th: 2, 4th: 1, 3rd: 2 1,250 credits 7,200 credits 8 7th: 1, 6th: 2, 5th: 1, 4th: 2 1,800 credits 11,000 credits 9 8th: 1, 7th: 2, 6th: 1, 5th: 2 2,500 credits 16,000 credits 10 9th: 1, 8th: 2, 7th: 1, 6th: 2 3,500 credits 23,000 credits 11 10th: 1, 9th: 2, 8th: 1, 7th: 2 5,000 credits 32,000 credits 12 11th: 1, 10th: 2, 9th: 1, 8th: 2 7,000 credits 45,000 credits 13 12th: 1, 11th: 2, 10th: 1, 9th: 2 10,000 credits 64,000 credits 14 13th: 1, 12th: 2, 11th: 1, 10th: 2 15,000 credits 93,000 credits 15 14th: 1, 13th: 2, 12th: 1, 11th: 2 22,500 credits 135,000 credits 16 15th: 1, 14th: 2, 13th: 1, 12th: 2 32,500 credits 200,000 credits 17 16th: 1, 15th: 2, 14th: 1, 13th: 2 50,000 credits 300,000 credits 18 17th: 1, 16th: 2, 15th: 1, 14th: 2 75,000 credits 450,000 credits 19 18th: 1, 17th: 2, 16th: 1, 15th: 2 120,000 credits 690,000 credits 20 19th: 1, 18th: 2, 17th: 1, 16th: 2 200,000 credits 1,120,000 credits