Your starting gold at levels other than the first is determined by the following table. You may purchase any mundane equipment with this starting gold for the price listed in the Players Handbook, or any other official reference.
| Level |
Additional Gold |
| 2 |
75 |
| 3 |
150 |
| 4 |
225 |
| 5 |
375 |
| 6 |
525 |
| 7 |
675 |
| 8 |
825 |
| 9 |
975 |
| 10 |
1,125 |
| 11 |
1,675 |
| 12 |
2,225 |
| 13 |
2,775 |
| 14 |
3,325 |
| 15 |
3,875 |
| 16 |
4,425 |
| 17 |
9,925 |
| 18 |
15,425 |
| 19 |
20,925 |
| 20 |
26,425 |
In addition, you may purchase magical items according to the rules in
Appendix A of
Xanathar's Guide to Everything. This book is available within the Roll20 Campaign Compendium once you join the campaign. You begin with a number of Treasure Points based on your starting level, as per the following table:
| Tier / Levels |
Treasure Points |
| Tier 1 (Levels 1-4) |
2 per level |
| Tier 2 (Levels 5-10) |
4 per level |
| Tier 3 (Levels 11-16) |
8 per level |
| Tier 4 (Levels 17-20) |
8 per level |
Treasure Points can be exchanged for additional starting gold to buy mundane items, at a rate of 50 GP per Treasure Point. Alternatively, depending on their Tier, Treasure Points can be spent to buy items from different Magic Item Tables. Talk to your DM to get your copy of these tables, or they can be found in the Dungeon Master's Guide, or reproduced online at
https://dungeonmastertools.github.io/. The options for spending Treasure Points are summarised in the table below.
| Magic Item Table |
Available at Tiers |
Point Cost per Item |
| A |
1-4 |
4 |
| B |
1-4 |
4 |
| C |
1-4 |
4 |
| D |
2-4 |
8 |
| E |
3-4 |
8 |
| F |
1-4 |
8 |
| G |
2-4 |
10 |
| H |
3-4 |
10 |
| I |
3-4 |
12 |
Example
Zapjack wants to roll a new character.
The rest of the party are currently at level 9. This is not his first new character, so he will be joining at level 8. At this level, he begins with 825 additional gold pieces to spend on mundane equipment. In addition, he has 8 Tier 1 Treasure Points, and 16 Tier 2 Treasure Points.
His Tier 1 treasure points could be used to purchase items from tables A,B,C and F. His Tier 2 Treasure Points could also be used to purchase items from Table D.
