TEXT: Populated Hexcrawl Series: 
  Wealth By NPC Level 
   
   
  Todd Leback 
  
  Wealth By NPC Level 
   
  Credits 
  Designer: Todd Leback 
  Editing & Layout: Tim Bannock 
  Cover Art: Jen Drummond (jendart.com) 
  Cartography: Todd Leback 
   
  Interior Art: 
  ❖ Aaron Anderson - pages 1, 3 
  ❖ Dean Spencer - pages i, 2, 3 
   
  Populated Hexes 
  Support more hexcrawling by becoming a 
  patron of Populated Hexes at: 
  www.patreon.com/Populatedhexes 
   
   
  Table of Contents 
   
  Introduction 
  1 
  Wealth By NPC Level 
  1 
  Treasure Composition 
  1 
  Liquid Assets 
  1 
  Percentage in Coin 
  2 
  Wealth 
  3 
  Magic Items 
  4 
  Magic Item Tables 
  5 
  Open Gaming License 
  6 
   
   
   
  ©2019 Todd Leback. 
  This product is released under the terms of the Open Game License Version 1.0a, Copyright 2000, Wizards of the Coast, Inc. Please refer to 
  the Open Gaming License included with this release for additional legal text and copyright information. Old-School Essentials is a trademark 
  of Necrotic Gnome. The trademark and Old-School Essentials logo are used with permission of Necrotic Gnome, under license. 
  
  Wealth By NPC Level 
  Introduction
  This document provides guidelines for 
  generating the wealth possessed by 
  encountered NPCs in OSR games. Most 
  monster entries provide a treasure type for the 
  entire group: a group of brigands, therefore, 
  have a treasure type of XXII for the entire 
  group, which will include higher level NPCs. 
  There is already a method for determining 
  treasure for such NPCs, so this document is 
  instead geared towards: 
  ❖ The treasure possessed by NPC parties
  of a given level.
  ❖ The treasure possessed by named
  NPCs. How much is the lord of a Keep
  worth, for instance? Or the 9th level
  magic-user dwelling in a secluded
  tower?
  Wealth by NPC Level
  Use the following to randomly determine an 
  NPC’s wealth based upon their level and class. 
  Whenever two levels are grouped together roll 
  once per category for the lower level, and twice 
  per level, taking the best result, for the higher 
  level. 
  Treasure Composition
  This document makes the following 
  assumptions. 
  Liquid Assets
  It is used to generate an NPC’s easily 
  convertible wealth. It does not include the 
  value of land, titles, etc. 
  1
  
  Wealth By NPC Level 
   
   
  Percentage in Coin 
  Only a certain percentage of the NPC’s wealth 
  will be in coin. Typically, the lower the level of 
  the character the larger the percentage of coin 
  they have. Refer to the %Coin Table. 
   
  %Coin Table 
  NPC Level 
  % of Treasure in Coin 
  0-4 
  70%-100%. Roll 1d4+6 and 
  multiply the result by 10 to 
  determine the exact 
  percentage. 
  5-9 
  40%-70%. Roll 1d4+3 and 
  multiply the result by 10 to 
  determine the exact 
  percentage. 
  10+ 
  10%-40%. Roll 1d4 and 
  multiply the result by 10 to 
  determine the exact 
  percentage. 
   
  Treasure not in coin will be in gems, jewelry, art 
  objects, or trade goods, with the following 
  general proportions. These proportions only 
  apply when an NPC has wealth of more than 
  100 gp. Refer to the Other Material Wealth 
  table. 
   
  Other Material Wealth 
  Item 
  Percentage 
  Gems 
  30-40% 
  Jewelry 
  30-40% 
  Miscellaneous 
  10-20% 
  Trade Goods 
  10-20% 
   
   
   
   
  Miscellaneous wealth encompasses art 
  objects such as paintings, tapestries, statuary, 
  fine furniture, etc. Trade goods are bulk 
  quantities of goods typically traded or 
  purchased for use: barrels of wine, lamp oil, or 
  salted fish, tanned hides, metal ingots, pottery, 
  etc. 
  To randomize the percentages start by 
  rolling 3d10+20 twice. This will give a total 
  from 23-50% for both gems and jewelry, with 
  the average being around 37%. Roll 1d10+10 
  for miscellaneous wealth, giving a result of 
  between 2 and 20%. The remainder of the 
  wealth is in trade goods. 
   
  Example 
  A 9th level fighter has 50% (we rolled a 2) of 
  her treasure in coin and the other 50% in 
  objects. Rolling 3d10+20 for gems we get a 
  12, for 32%. A second roll for jewelry yields 
  25, for 45%. A total of 77% of her wealth is in 
  gems and jewelry. The 1d10 roll for 
  miscellaneous items comes to 3, for a total 
  of 13%. The remaining 10% of her wealth is 
  in trade goods. 
   
  The above percentages can be finessed as 
  desired. A merchant NPC might have the bulk 
  of his wealth in trade goods and gems, while a 
  noblewoman might have the majority of her 
  wealth in jewelry and miscellaneous goods. 
   
   
   
   
   
   
   
  2
  
  Wealth By NPC Level 
   
   
  Wealth 
   
  The following provides guidelines for 
  determining an NPCs wealth. There is always a 
  1 in 6 chance that a given NPC will have wealth 
  equal to 1d6 levels lower than their actual 
  level. This can be due to profligacy, robbery, 
  bad luck or investments, etc. 
  The wealth possessed by institutions is 
  equal to the level or social status of the highest 
  ranking individual. The wealth a temple 
  possesses, therefore, would be determined by 
  the highest level cleric; that of a Thieves Guild 
  determined by the highest level thief, etc. 
  Use the following conversions for 
  wealth of higher status normal folk: 
  ❖ Peasants, Laborers, Subsistence 
  Farmers: 0 
  ❖ Tradesmen, Freeholders, Store owner 
  (small shop): 1 
  ❖ Skilled Tradesmen, Store owner 
  (medium shop), Merchant: 2 
  ❖ Expert Tradesmen, Store owner (large 
  or specialized): 3 
  ❖ Nobility (non-landed), wealthy 
  non-nobility (non-landed): 4-6 (1d3+3) 
  ❖ Nobility, minor (landed), wealthy 
  non-noble landed: 5-8 (1d4+4) 
  ❖ Nobility, baron: 9 
  ❖ Nobility, higher titles: 9-14 
   
  For most purposes what’s important is not the 
  breakdown of coinage – who cares how many 
  silver pieces a 6th-level fighter has – but their 
  overall wealth. Use the following %Coin Table 
  to determine a given NPC’s wealth. 
  If playing in an OSR system with more 
  than 14 levels, each additional level beyond 14 
  adds 1.15 to the overall wealth. 
   
   
   
   
   
   
   
  3
  
  Wealth By NPC Level 
   
   
  %Coin Table 
  NPC Level 
  Wealth 
  0-level 
  1d10 sp. Half the coins will be cp. 
  1st 
  10-200 gp (1d20 x10). 1/3 of 
  coinage will be in gp, the rest in 
  assorted lesser metals. 
  2nd-3rd 
  300-1200 gp (1d10+2 x100).  ½ of 
  coinage in gp, the rest in assorted 
  lesser metals. 
  4th-5th 
  1000-6000 gp (1d6x1000). 90% of 
  coinage in gp, the rest in assorted 
  lesser metals. 
  6th-7th 
  3000-13,000 gp (2d6+1 x1000). At 
  this point denominations are pretty 
  meaningless. 
  8th-9th 
  20,000-50,000 gp (1d4+1 x10000). 
  10th-11th 
  40,000-140,000 (2d6+2 x10000) 
  12th-13th 
  100,000-200,000 (2d4+2 x25000) 
  14th+ 
  150,000-450,000 (2d4+1 x50000) 
   
   
  Example 
  The 9th level fighter in the above example 
  has an overall value of 1d4+1x10000. Rolling 
  we get a result of 3, so she has a total wealth 
  of 30,000 gp. Half of this is in coinage, so 
  she’s got 15,000 gp in coins. The rest of her 
  wealth is in other forms:  
  ❖ 32% in gems. 4,800 gp worth 
  ❖ 45% in jewelry. 6,750 gp worth 
  ❖ 13% in miscellaneous. 1,950 gp worth 
  ❖ 10% in trade goods: 1,500 gp worth 
   
   
   
   
  Magic Items 
   
  The following tables can be used to determine 
  the magical items that a character of a given 
  level and class will possess. The classes are 
  divided into four groupings: cleric, fighter, 
  magic-user, thief. Use the most appropriate 
  group or category. For instance, a ranger would 
  determine magical treasure as a fighter, while 
  a multi-class fighter/magic-user or a 
  race-as-class elf would use whichever category 
  seems best (fighter or magic-user).  
  The first number expressed is the 
  percentage chance for a character to possess 
  an item of this category; the second is the 
  number of items possessed. There is a base 
  21% chance per item, less the character’s level, 
  that the NPC does not know an item they are 
  carrying is magical, and an additional equal 
  chance that they do not know what the item 
  does, even if they know it is magical.  
  There’s always the possibility that an 
  NPC possesses a magical item that they are 
  not able to use. In this case the magical item 
  could be used as a bargaining chip (“I’ll trade 
  you this magic sword if you let us live”), might 
  be available for sale, or may be lent to other 
  NPCs for them to use. 
  In magic-rich campaigns adjust the 
  percentages up by 5-10%; in magic-poor 
  campaigns reduce the chances by a similar 
  amount. For systems that go above 14th level, 
  add 1% per level, to a maximum chance of 
  99%. Increase the quantity die by one at level 
  15, 18, and every additional three levels: at 
  15th level a cleric has a 99% chance of having 
  1d8 potions; at level 15 a fighter has a 51% 
  chance of having 1d2 rods, staves, or wands. 
   
   
   
   
  4
  
  Wealth By NPC Level 
   
   
  Potions 
  Level 
  Cleric 
  Fighter 
  Magic-user 
  Thief 
  1 
  10% 
  5% 
  5% 
  5% 
  2 
  20% 
  10% 
  10% 
  10% 
  3 
  30% 1d2 
  25% 
  25% 
  25% 
  4 
  40% 1d2 
  35% 
  35% 
  35% 
  5 
  50% 1d2 
  50% 
  50% 
  50% 
  6 
  60% 1d3 
  60% 1d2 
  60% 1d2 
  60% 1d2 
  7 
  65% 1d3 
  65% 1d2 
  65% 1d2 
  65% 1d2 
  8 
  70% 1d3 
  70% 1d2 
  70% 1d2 
  70% 1d2 
  9 
  77% 1d4 
  75% 1d3 
  75% 1d3 
  75% 1d3 
  10 
  80% 1d4 
  80% 1d3 
  80% 1d3 
  80% 1d3 
  11 
  85% 1d4 
  85% 1d3 
  85% 1d3 
  85% 1d3 
  12 
  90% 1d4 
  90% 1d3 
  90% 1d3 
  90% 1d3 
  13 
  95% 1d6 
  95% 1d4 
  95% 1d4 
  95% 1d4 
  14 
  98% 1d6 
  98% 1d4 
  98% 1d4 
  98% 1d4 
   
  Rings 
  Level 
  Cleric 
  Fighter 
  Magic-user 
  Thief 
  1 
  3% 
  3% 
  3% 
  3% 
  2 
  5% 
  5% 
  5% 
  5% 
  3 
  10% 
  10% 
  10% 
  10% 
  4 
  20% 
  20% 
  20% 
  20% 
  5 
  30% 
  30% 
  30% 
  30% 
  6 
  40% 
  40% 
  40% 
  40% 
  7 
  50% 
  50% 
  50% 1d2 
  50% 
  8 
  60% 
  60% 
  60% 1d2 
  60% 
  9 
  70% 
  70% 1d2 
  70% 1d2 
  70% 1d2 
  10 
  75% 1d2 
  75% 1d2 
  75% 1d2 
  75% 1d2 
  11 
  80% 1d2 
  80% 1d2 
  80% 1d2 
  80% 1d2 
  12 
  85% 1d2 
  85% 1d2 
  85% 1d2 
  85% 1d2 
  13 
  90% 1d2 
  90% 1d2 
  90% 1d2 
  90% 1d2 
  14 
  95% 1d2 
  95% 1d2 
  95% 1d2 
  95% 1d2 
   
   
   
   
   
   
  5
  
  Wealth By NPC Level 
   
   
  Scrolls 
  Level 
  Cleric 
  Fighter 
  M-U 
  Thief 
  1 
  5% 
  1% 
  5% 
  3% 
  2 
  20% 
  3% 
  20% 1d2 
  6% 
  3 
  30% 
  6% 
  30% 1d2 
  10% 
  4 
  40% 1d2 
  10% 
  40% 1d2 
  20% 
  5 
  50% 1d2 
  20% 
  50% 1d3 
  30% 
  6 
  60% 1d2 
  30% 
  60% 1d3 
  40% 1d2 
  7 
  65% 1d3 
  40% 
  65% 1d3 
  50% 1d2 
  8 
  70% 1d3 
  50% 
  70% 1d4 
  60% 1d2 
  9 
  75% 1d3 
  55% 1d2 
  75% 1d4 
  70% 1d3 
  10 
  80% 1d4 
  60% 1d2 
  80% 1d4 
  75% 1d3 
  11 
  85% 1d4 
  65% 1d2 
  85% 1d6 
  80% 1d3 
  12 
  90% 1d4 
  70% 1d3 
  90% 1d6 
  85% 1d4 
  13 
  95% 1d6 
  75% 1d3 
  95% 1d6 
  90% 1d4 
  14 
  98% 1d6 
  80% 1d3 
  98% 1d8 
  95% 1d4 
   
   
  Rods, Staves, and Wands 
  Level 
  Cleric 
  Fighter 
  M-U 
  Thief 
  1 
  2% 
  1% 
  5% 
  1% 
  2 
  4% 
  2% 
  10% 
  2% 
  3 
  7% 
  4% 
  20% 
  4% 
  4 
  10% 
  6% 
  30% 
  6% 
  5 
  20% 
  8% 
  40% 
  8% 
  6 
  30% 
  10% 
  50% 
  10% 
  7 
  40% 
  15% 
  60% 
  15% 
  8 
  45% 
  20% 
  70% 1d2 
  20% 
  9 
  50% 
  25% 
  75% 1d2 
  25% 
  10 
  55% 
  30% 
  80% 1d2 
  30% 
  11 
  60% 
  35% 
  85% 1d2 
  35% 
  12 
  65% 
  40% 
  90% 1d3 
  40% 
  13 
  70% 
  45% 
  95% 1d3 
  45% 
  14 
  75% 
  50% 
  98% 1d3 
  50% 
   
   
   
   
   
   
  6
  
  Wealth By NPC Level 
   
   
  Miscellaneous Magic 
  Level 
  Cleric 
  Fighter 
  M-U 
  Thief 
  1 
  2% 
  2% 
  2% 
  2% 
  2 
  5% 
  5% 
  5% 
  5% 
  3 
  10% 
  10% 
  10% 
  10% 
  4 
  20% 
  20% 
  20% 
  20% 
  5 
  30% 
  30% 
  30% 
  30% 
  6 
  40% 1d2 
  40% 1d2 
  40% 1d2 
  40% 1d2 
  7 
  50% 1d2 
  50% 1d2 
  50% 1d2 
  50% 1d2 
  8 
  60% 1d2 
  60% 1d2 
  60% 1d2 
  60% 1d2 
  9 
  70% 1d3 
  70% 1d3 
  70% 1d3 
  70% 1d3 
  10 
  80% 1d3 
  80% 1d3 
  80% 1d3 
  80% 1d3 
  11 
  90% 1d3 
  90% 1d3 
  90% 1d3 
  90% 1d3 
  12 
  95% 1d4 
  95% 1d4 
  95% 1d4 
  95% 1d4 
  13 
  97% 1d4 
  97% 1d4 
  97% 1d4 
  97% 1d4 
  14 
  99% 1d4 
  99% 1d4 
  99% 1d4 
  99%1d4 
   
   
  Armor 
  Level 
  Cleric 
  Fighter 
  M-U 
  Thief 
  1 
  3% 
  3% 
  1% 
  3% 
  2 
  15% 
  15% 
  2% 
  15% 
  3 
  30% 
  30% 
  4% 
  30% 
  4 
  40% 
  40% 
  8% 
  40% 
  5 
  50% 
  50% 
  10% 
  50% 
  6 
  60% 
  60% 
  12% 
  60% 
  7 
  65% 
  65% 
  14% 
  65% 
  8 
  70% 
  70% 
  16% 
  70% 
  9 
  75% 
  75% 
  18% 
  75% 
  10 
  80% 
  80% 
  20% 
  80% 
  11 
  85% 
  85% 
  22% 
  85% 
  12 
  90% 
  90% 
  24% 
  90% 
  13 
  95% 
  95% 
  25% 
  95% 
  14 
  99% 
  99% 
  30% 
  99% 
   
   
   
   
   
  7
  
  Wealth By NPC Level 
   
   
  Swords 
  Level 
  Cleric 
  Fighter 
  M-U 
  Thief 
  1 
  1% 
  3% 
  1% 
  3% 
  2 
  2% 
  10% 
  2% 
  10% 
  3 
  4% 
  20% 
  4% 
  20% 
  4 
  7% 
  30% 
  7% 
  30% 
  5 
  10% 
  40% 
  10% 
  40% 
  6 
  12% 
  50% 
  12% 
  50% 
  7 
  15% 
  60% 
  15% 
  60% 
  8 
  20% 
  70% 
  20% 
  70% 
  9 
  25% 
  75% 
  25% 
  75% 
  10 
  30% 
  80% 
  30% 
  80% 
  11 
  35% 
  85% 
  35% 
  85% 
  12 
  40% 
  90% 
  40% 
  90% 
  13 
  45% 
  95% 
  45% 
  95% 
  14 
  50% 
  99% 
  50% 
  99% 
   
   
  Miscellaneous Weapons 
  Level 
  Cleric 
  Fighter 
  M-U 
  Thief 
  1 
  3% 
  3% 
  1% 
  3% 
  2 
  10% 
  10% 
  2% 
  10% 
  3 
  20% 
  20% 
  4% 
  20% 
  4 
  30% 
  30% 
  8% 
  30% 
  5 
  40% 
  40% 
  15% 
  40% 
  6 
  50% 
  50% 
  20% 
  50% 
  7 
  60% 
  60% 
  25% 
  60% 
  8 
  65% 
  65% 
  30% 
  65% 
  9 
  70% 
  70% 
  35% 
  70% 
  10 
  75% 1d2 
  75% 1d2 
  40% 
  75% 1d2 
  11 
  80% 1d2 
  80% 1d2 
  45% 
  80% 1d2 
  12 
  85% 1d2 
  85% 1d2 
  50% 
  85% 1d2 
  13 
  90% 1d2 
  90% 1d3 
  55% 1d2 
  90% 1d3 
  14 
  95% 1d2 
  95% 1d3 
  60% 1d2 
  95% 1d3 
   
   
   
   
   
  8
  
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  Open Game License v 1.0a © 2000, Wizards of the Coast, Inc. 
   
  System Reference Document © 2000. Wizards of the Coast, Inc; Authors 
  Jonathan Tweet, Monte Cook, Skip Williams, based on material by E. Gary 
  Gygax and Dave Arneson. 
   
  Wealth By NPC Level. © 2019, Todd Leback; Author Todd Leback. 
   
  Old School Essentials: Core Rules. © 2019 Gavin Norman. Author Gavin 
  Norman. 
   
  Product Identity: The following items are hereby identified as Product 
  Identity, as defined in the Open Game License version 1.0a, Section 1(e), 
  and are not Open Content: All trademarks, registered trademarks, proper 
  names (characters, place names, new deities, etc.), dialogue, plots, story 
  elements, locations, characters, artwork, graphics, sidebars, and trade 
  dress. (Elements that have previously been designated as Open Game 
  Content are not included in this declaration.) 
   
  
SOURCE: textdata/thevault/Old School Revival (OSR(ic))/Old-School Essentials; BX Essentials/Old-School Essentials Supplements/Populated Hexcrawl Series (OSE)/Populated Hexcrawl Series Wealth by NPC Level (OSE).pdf