General Information

Common coins come in several different denominations based on the relative worth of the metal from which they are made. The three most common coins are the gold piece (gp), the silver piece (sp), and the copper piece (cp).

With one gold piece, a character can buy a bedroll, 15m of good rope, or a goat. A skilled (but not exceptional) artisan can earn two gold pieces a day. The gold piece is the standard unit of measure for wealth, even if the coin itself is not commonly used. When merchants discuss deals that involve goods or services worth hundreds or thousands of gold pieces, the transactions don't usually involve the exchange of individual coins. Rather, the gold piece is a standard measure of value, and the actual exchange is in gold bars, letters of credit, or valuable goods.

One gold piece is worth ten silver pieces, the most prevalent coin among commoners. A silver piece buys a labourer's work for half a day, a flask of lamp oil, or a night's rest in a poor inn.

One silver piece is worth ten copper pieces, which are common among labourers and beggars. A single copper piece buys a candle, a torch, or a piece of chalk.

In addition, unusual coins made of other precious metals sometimes appear in treasure hoards. The electrum piece (ep) and the platinum piece (pp) originate from fallen empires and lost kingdoms, and they sometimes arouse suspicion and skepticism when used in transactions. An electrum piece is worth five silver pieces, and a platinum piece is worth ten gold pieces.

A standard coin weighs about 10 grams, so a hundred coins weigh a kilogram.

PC Expenses

Lifestyle Expenses

Lifestyle expenses provide you with a simple way to account for the cost of living in a fantasy world. They cover your accommodations, food and drink, and all your other necessities. Furthermore, expenses cover the cost of maintaining your equipment so you can be ready when adventure next calls.

At the start of each week or month (your choice), choose a lifestyle from the Expenses table and pay the price to sustain that lifestyle. The prices listed are per day, so if you wish to calculate the cost of your chosen lifestyle over a twenty-day period, multiply the listed price by 20. Your lifestyle might change from one period to the next, based on the funds you have at your disposal, or you might maintain the same lifestyle throughout your character’s career.

Your lifestyle choice can have consequences.

Maintaining a wealthy lifestyle might help you make contacts with the rich and powerful, though you run the risk of attracting thieves.

Likewise, living frugally might help you avoid criminals, but you are unlikely to make powerful connections.

• Wretched

  • You live in inhumane conditions.
  • With no place to call home, you shelter wherever you can, sneaking into barns, huddling in old crates, and relying on the good graces of people better off than you.
  • A wretched lifestyle presents abundant dangers.
  • Violence, disease, and hunger follow you wherever you go.
  • Other wretched people covet your armour, weapons, and adventuring gear, which represent a fortune by their standards.
  • You are beneath the notice of most people.

• Squalid

  • You live in a leaky stable, a mud-floored hut just outside town, or a vermin-infested boarding house in the worst part of town.
  • You have shelter from the elements, but you live in a desperate and often violent environment, in places rife with disease, hunger, and misfortune.
  • You are beneath the notice of most people, and you have few legal protections.
  • Most people at this lifestyle level have suffered some terrible setback.
  • They might be disturbed, marked as exiles, or suffer from disease.

• Poor

  • A poor lifestyle means going without the comforts available in a stable community.
  • Simple food and lodgings, threadbare clothing, and unpredictable conditions result in a sufficient, though probably unpleasant, experience.
  • Your accommodations might be a room in a flophouse or in the common room above a tavern.
  • You benefit from some legal protections, but you still have to contend with violence, crime, and disease.
  • People at this lifestyle level tend to be unskilled labourers, costermongers, peddlers, thieves, mercenaries, and other disreputable types.

• Modest

  • A modest lifestyle keeps you out of the slums and ensures that you can maintain your equipment.
  • You live in an older part of town, renting a room in a boarding house, inn, or temple.
  • You don't go hungry or thirsty, and your living conditions are clean, if simple.
  • Ordinary people living modest lifestyles include soldiers with families, labourers, students, priests, hedge wizards, and the like.

• Comfortable

  • Choosing a comfortable lifestyle means that you can afford nicer clothing and can easily maintain your equipment.
  • You live in a small cottage in a middle-class neighbourhood or in a private room at a fine inn.
  • You associate with merchants, skilled tradespeople, and military officers.

• Wealthy

  • Choosing a wealthy lifestyle means living a life of luxury, though you might not have achieved the social status associated with the old money of nobility or royalty.
  • You live a lifestyle comparable to that of a highly successful merchant, a favored servant of the royalty, or the owner of a few small businesses.
  • You have respectable lodgings, usually a spacious home in a good part of town or a comfortable suite at a fine inn.
  • You likely have a small staff of servants.

• Aristocratic

  • You live a life of plenty and comfort.
  • You move in circles populated by the most powerful people in the community.
  • You have excellent lodgings, perhaps a townhouse in the nicest part of town or rooms in the finest inn.
  • You dine at the best restaurants, retain the most skilled and fashionable tailor, and have servants attending to your every need.
  • You receive invitations to the social gatherings of the rich and powerful, and spend evenings in the company of politicians, guild leaders, high priests, and nobility.
  • You must also contend with the highest levels of deceit and treachery.
  • The wealthier you are, the greater the chance you will be drawn into political intrigue as a pawn or participant.

Food, drink, and lodging

The Food, Drink, and Lodging table gives prices for individual food items and a single night’s lodging. These prices are already included in your total lifestyle expenses, but are given here in case you are purchasing these separately.

NPC Economy

The following table is reference particularly for NPCs. Taxes are calculated at 10% of the income. See the PC tab for PC lifestyles.