Estimate a practical gold-equivalent wealth target for a joining character, then split it into gear already spent and liquid gold remaining.
Expected Total Wealth
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Enter a level, campaign tone, and spending assumption to estimate total wealth and remaining liquid gold.
Tap an example to prefill the calculator with sample values.
Level 8 standard campaign
Joining a mid-tier group
A practical DM-facing case where the player needs to enter an ongoing campaign without feeling dramatically poorer or richer than the table.
Result: Most of the budget is still available as liquid gold if the character has not already converted it into gear
High-magic level 12 arrival
Much more wealth already locked into equipment
Useful when the campaign tone supports stronger item access and the character arrives with more capital already committed.
Result: The total wealth can be large even when the liquid gold left to spend is much smaller
Level 1 gold-buy start
Use gold instead of fixed gear packages
A quick starting-wealth mode for groups that let players buy equipment instead of taking the class package.
Result: Level 1 stays small, but the profile still changes how much liquid gold is reasonable to expect