Money and Equipment

Although your character has some impressive abilities and skills, he really isn't going to be effective without the equipment necessary for adventuring. To get this equipment, he needs money. Not only does he need money to outfit himself, but your character also has to cover his living expenses.

Although there are many different types of coins and currencies in the world, all prices and treasures in the palladium rules are given in standard coinage. Your GM may have specific names for different coins and may have different rates of exchange, but this is material particular to his campaign. He will tell you if there are differences from the coins listed here. The standard rate of exchange for each coin is given in the following table:

Standard Exchange Rates

Coinage Base: Silver

Exchange Rates

 

Coin

CP

TP

BP

BZP

STP

SP

GP

PP

MP

Copper Piece (CP)

1

1/5

1/10

1/25

1/50

1/100

1/500

1/1000

1/2000

Tin Piece (TP)

5

1

1/2

1/5

1/10

1/20

1/100

1/200

1/400

Brass Piece (BP)

10

2

1

2/5

1/5

1/10

1/50

1/100

1/200

Bronze Piece (BZP)

25

5

2.5

1

1/2

1/4

1/20

1/40

1/80

Steel Piece (STP)

50

10

5

2

1

1/2

1/10

1/20

1/40

Silver Piece (SP)

100

20

10

4

2

1

1/5

1/10

1/20

Gold Piece (GP)

500

100

50

20

10

5

1

1/2

1/4

Platinum Piece (PP)

1000

200

100

40

20

10

2

1

1/2

Mithral Piece (GP)

2000

400

200

80

40

20

4

2

1

Standard Gem Exchange Rates

Gem

Exchange Rates in Silver/Carat

 

Agate

1

Amber

40

Amethyst

3

Aquamarine

3

Aventurine

2

Beryl

5

Bloodstone

1

Carnelian

3

Citrine

4

Coral

10

Diamond

1000

Emerald

800

Garnet

20

Golden Beryl

8

Jade

40

Jasper

3

Lapis Lazuli

15

Malachite

2

Moonstone

10

Onyx

25

Opal

75

Pearl

500

Peridot

1

Quartz

2

Rose Quartz

3

Ruby

900

Rutilated Quartz

3

Sapphire

850

Smoky Quartz

2

Sodalite

10

Sunstone

15

Tiger's Eye

3

Topaz

5

Tourmaline

2

Turquoise

3

Zircon

400

The basic coins are the copper piece (CP) and the silver piece (SP). These form the backbone of the monetary system and are the coins most frequently found in the hands of the common folk.

However, remember that not all wealth is measured by coins. Wealth can take many forms--land, livestock, the right to collect taxes or customs, and jewelry are all measures of wealth. Coins have no guaranteed value. A gold piece can buy a lot in a small village but won't go very far in a large city. This makes other forms of wealth, land for instance, all the more valuable. Indeed, many a piece of jewelry is actually a way of carrying one's wealth. Silver armbands can be traded for goods; a golden brooch can buy a cow, etc. In your adventures, wealth and riches may take many different forms.

Furthermore, in your GM's campaign, there may be special situations or considerations to bear in mind. The Kingdom of Harak may be at war with the neighboring Principality of Kael. Patriotic Vargraadians might refuse Arethane coins (probably because they think the coins are worthless). Practical Arethanians might accept the Vargraadi florin at half normal value. Of course, both groups would send your character to the local money-changer (if there is one), who would cheerfully convert your foreign coins to the local tender. He will, of course, charge a small commission (10-30%) for this service.

Situations such as these can affect the value of any coin. If your characters start flashing about a lot of gold, pumping it into the local economy, merchants will quickly raise prices. As another example, the local lord may commandeer most of the region's horses for his knights, making those left all that much more expensive.
Quick Reference Table

Starting Money

All player characters begin with some amount of cash. This nest egg may be your character's life savings. It may be a gift from his parents to start him out in the world. It may be his booty from an army campaign. Perhaps he stumbled across a small treasure chest, whetting his appetite for greater and more dangerous prizes. How he came by his money is not important (although it may be fun to know). You are free to create any explanation you want.

To learn your character's starting funds, roll the dice indicated for his group in following Table. This is the number of gold pieces your character has to obtain equipment. If you are creating a character starting out at a level above 1st level, check with the GM to see if you can increase your character's funds beyond the amounts given here. The funds generated from this table are in addition to any gotten through background developement.

Initial Character Funds

Character Group

Die Range

Man of Arms

5d4 x 10 SP

Man of Magic

4d6+1 x 10 SP

Man of Psionics

4d6 x 10 SP

Man of Religion

3d6 x 10 SP


Quick Reference Table

Equipment Lists

The following lists include much of the equipment your character needs for adventuring. The most basic of these are weapons, armor, clothing, and outfitting gear. The other lists provide goods and services your character may need during the course of his many adventures. While most items are always available, your GM may add to or delete from these lists. What you want may not be available or, if your GM has set his game in a specific time period, may not have been discovered or invented yet! While he should tell you which items are and aren't available, you should ask if you have any doubts, particularly on large purchases. Many of the uncommon items in these lists are explained in the following pages.

The price given for each item in the lists is its average price, the amount you can expect the item to cost in a normal economy. However, large cities, barren wildernesses, and places with brave adventurers carrying bags full of gold are not normal economies. In these places you may find yourself paying more (very rarely less) than the amount listed. You can also haggle with merchants over prices, although to speed up the game it's recommended that you save this for your important purchases. If you wind up haggling over the cost of every tankard of ale, your character is going to spend more time being a penny pincher than an adventurer.

Equipment:

Clothing

Cost

Belt

3 STP

Boots: Riding

3 SP

Boots: Soft

1 SP

Breeches

2 SP

Cap, hat

1 STP

Cloak: Good clothe

8 STP

Cloak: Fine fur

50 SP

Girdle

3 SP

Gloves

1 SP

Gown, common

12 STP

Hose

2 SP

Knife sheath

3 CP

Mittens

3 STP

Pin

6 SP

Plain broach

10 SP

Robe: Common

9 STP

Robe: Embroidered

20 SP

Sandals

5 CP

Sash

2 STP

Shoes

1 SP

Silk jacket

80 SP

Surcoat

6 STP

Sword scabbard, hanger, baldric

4 SP

Tabard

6 STP

Toga, coarse

8 CP

Tunic

8 STP

Vest

6 STP


Quick Reference Table

Daily Food and Lodging

Cost

Ale (per gallon)

2 STP

Banquet (per person)

10 SP

Bread

5 CP

Cheese

4 STP

City rooms (per month): Common

20 SP

City rooms (per month): Poor

6 STP

Common wine (pitcher)

2 STP

Egg or fresh vegetables

1 CP

Grain and stabling for horse (daily)

5 STP

Honey

5 STP

Inn lodging (per day/week): Common

5 STP/3 SP

Inn lodging (per day/week): Poor

5 CP/2 STP

Meat for one meal

1 STP

Meals (per day): Good

5 STP

Meals (per day): Common

3 STP

Meals (per day): Poor

1 STP

Separate latrine for rooms (Per month)

2 SP

Small beer (per gallon)

5 CP

Soup

5 CP


Quick Reference Table

Household Provisioning

Cost

Barrel of pickled fish

3 SP

Butter (per lb.)

2 STP

Coarse sugar (per lb.)

1 SP

Dry rations (per week)

10 SP

Eggs (per 100)

8 STP

Eggs (Per two dozen)

2 STP

Figs (per lb.)

3 STP

Firewood (per day)

1 CP

Herbs (per lb.)

5 CP

Nuts (per lb.)

1 SP

Raisins (per lb.)

2 STP

Rice (per lb.)

2 STP

Salt (per lb.)

1 STP

Salted herring (per 100)

1 SP

Spice Exotic: (per lb.)
(For example, saffron, clove)

15 SP

Spice: Rare (per lb.)
(for example, pepper, ginger)

2 SP

Spice: Uncommon (per lb.)
(cinnamon)

1 SP

Ton of cider (250 gal.)

8 SP

Ton of good wine (250 gal.)

20 SP


Quick Reference Table

Services

Cost

Bath

3 CP

Clerk (per letter)

2 STP

Doctor, leech, or bleeding

3 SP

Guide, in city (per day)

2 STP

Lantern/Torchbearer
(per night)

1 STP

Laundry (by load)

1 CP

Messenger, in city
(per message)

1 STP

Minstrel
(per performance)

3 SP

Mourner
(per funeral)

2 STP

Teamster w/wagon (per mile)

1 STP


Quick Reference Table

Transport

Cost

Barge

500 SP

Canoe: Small

30 SP

Canoe: War

50 SP

Caravel

10,000 SP

Carriage: Common

50 SP

Carriage: Coach, ornamented

7,000 SP

Chariot: Riding

200 SP

Chariot: War

500 SP

Coaster

5,000 SP

Cog

10,000 SP

Curragh

500 SP

Drakkar

25,000 SP

Dromond

15,000 SP

Galleon

50,000 SP

Great galley

30,000 SP

Knarr

3,000 SP

Long ship

10,000 SP

Oar: Common

2 SP

Oar: Galley

10 SP

Raft or small keelboat

100 SP

Sail

20 SP

Sedan chair

100 SP

Wagon or cart wheel

5 SP


Quick Reference Table

Animals

Cost

Boar

10 SP

Bull

20 SP

Calf

5 SP

Camel

50 SP

Capon

3 CP

Cat

1 STP

Chicken

2 CP

Cow

10 SP

Dog: Guard

25 SP

Dog: Hunting

17 SP

Dog: War

20 SP

Donkey, mule, or ass

8 SP

Elephant: Labor

200 SP

Elephant: War

500 SP

Falcon (trained)

1,000 SP

Goat

1 SP

Goose

5 CP

Guinea hen

2 CP

Horse: Draft

200 SP

Horse: Heavy war

400 SP

Horse: Light war

150 SP

Horse: Medium war

225 SP

Horse: Riding

75 SP

Hunting cat (jaguar, etc.)

5,000 SP

Ox

15 SP

Partridge

5 CP

Peacock

5 STP

Pig

3 SP

Pigeon

1 CP

Pigeon, homing

100 SP

Pony

30 SP

Ram

4 SP

Sheep

2 SP

Songbird

10 STP

Swan

5 STP


Quick Reference Table

Tack and Harness

Cost

Weight

Barding: Chain

500 SP

70 lbs.

Barding: Full plate

2,000 SP

85 lbs.

Barding: Full scale

1,000 SP

75 lbs.

Barding: Half brigandine

500 SP

45 lbs.

Barding: Half padded

100 SP

25 lbs.

Barding: Half scale

500 SP

50 lbs.

Barding: Leather or padded

150 SP

60 lbs.

Bit and bridle

15 STP

3 lbs.

Cart harness

2 SP

10 lbs.

Halter

5 CP

3 lbs.

Horseshoes & shoeing

1 SP

10 lbs.

Saddle: Pack

5 SP

15 lbs.

Saddle: Riding

10 SP

35 lbs.

Saddle bags: Large

4 SP

8 lbs.

Saddle bags: Small

3 SP

5 lbs.

Saddle blanket

3 STP

4 lbs.

Yoke: Horse

5 SP

15 lbs.

Yoke: Ox

3 SP

20 lbs.


Quick Reference Table

Miscellaneous Equipment

Cost

Weight

Backpack

2 SP

2 lbs.

Barrel, small

2 SP

30 lbs.

Basket: Large

3 STP

1 lbs.

Basket: Small

5 CP

1/2 lbs.

Bell

1 SP

1/16 lbs.

Belt pouch: Large

1 SP

1 lbs.

Belt pouch: Small

7 STP

1/2 lbs.

Block and tackle

5 SP

5 lbs.

Bolt case

1 SP

1 lbs.

Bucket

5 STP

3 lbs.

Chain: Heavy(per ft.)

4 SP

3 lbs.

Chain: Light(per ft.)

3 SP

1 lbs.

Chest: Large

2 SP

25 lbs.

Chest: Small

1 SP

10 lbs.

Cloth: Common (per 10 sq. yards.)

7 SP

10 lbs.

Cloth: Fine (per 10 sq. yards.)

50 SP

10 lbs.

Cloth: Rich (per 10 sq. yards.)

100 SP

10 lbs.

Candle

1 CP

N/A

Canvas (per sq. yard)

4 STP

1 lbs.

Chalk

1 CP

N/A

Crampons

4 SP

2 lbs.

Fishhook

1 STP

N/A

Fishing net, 10 ft. sq.

4 SP

5 lbs.

Flint and steel

5 STP

1/8 lbs.

Glass bottle

10 SP

1/16 lbs.

Grappling hook

8 STP

4 lbs.

Holy item (symbol, water, etc.)

25 SP

1/4 lbs.

Hourglass

25 SP

1 lbs.

Iron pot

5 STP

2 lbs.

Ladder, 10 ft.

5 CP

20 lbs.

Lantern: Beacon

150 SP

50 lbs.

Lantern: Bulls eye

12 SP

3 lbs.

Lantern: Hooded

7 SP

2 lbs.

Lock: Good

100 SP

1 lbs.

Lock: Poor

20 SP

1 lbs.

Magnifying glass

100 SP

N/A

Map or scroll case

8 STP

1/2 lbs.

Merchants scale

2 SP

1 lbs.

Mirror, small metal

10 SP

N/A

Musical instrument

5-100 SP

1/2-3 lbs.

Oil: Greek fire (per flask)

10 SP

2 lbs.

Oil: Lamp (per flask)

6 CP

1 lbs.

Paper (per sheet)

2 SP

N/A

Papyrus (per sheet)

8 STP

N/A

Parchment (per sheet)

1 SP

N/A

Perfume (per vial)

5 SP

N/A

Piton

3 CP

1/2 lbs.

Quiver

8 STP

1 lbs.

Rope: Hemp (per 50 ft.)

1 SP

20 lbs.

Rope: Silk (per 50 ft.)

10 SP

8 lbs.

Sack: Large

2 STP

1/2 lbs.

Sack: Small

5 CP

1/4 lbs

Sealing/candle wax (per lb.)

1 SP

1 lbs.

Sewing needle

5 STP

N/A

Signal whistles

8 STP

N/A

Signet ring or personal seal

5 SP

N/A

Soap (per lb.)

5 STP

1 lbs.

Spyglass

1,000 SP

1 lbs.

Tent: Large

25 SP

20 lbs.

Tent: Pavilion

100 SP

50 lbs.

Tent: Small

5 SP

10 lbs.

Thieves' picks

30 SP

1 lbs.

Torch

1 CP

1 lbs.

Water clock

1,000 SP

200 lbs.

Whetstone

2 CP

1 lbs.

Wineskin

8 STP

1 lbs.

Winter blanket

5 STP

3 lbs.

Writing ink (per vial)

8 SP

N/A


Quick Reference Table

Armour

Cost

Weight

Banded mail

200 SP

35 lbs.

Brigandine

120 SP

35 lbs.

Bronze plate mail

400 SP

45 lbs.

Chain mail

75 SP

40 lbs.

Field plate

2000 SP

60 lbs.

Full plate

4,000-10,000 SP

70 lbs.

Helmet: Great helm

30 SP

10 lbs.

Helmet: Basinet

8 SP

5 lbs.

Hide

15 SP

30 lbs.

Leather

5 SP

15 lbs.

Padded

4 SP

10 lbs.

Plate mail

600 SP

50 lbs.

Ring mail

100 SP

30 lbs.

Scale mail

120 SP

40 lbs.

Shield: Body

10 SP

15 lbs.

Shield: Buckler

1 SP

3 lbs.

Shield: Medium

7 SP

10 lbs.

Shield: Small

3 SP

5 lbs.

Splint mail

80 SP

40 lbs.

Studded leather

20 SP

25 lbs.


Quick Reference Table

Weapons

Cost

Weight(lbs.)

Damage

Battle axe

5 SP

7

1D8

Blowgun

5 SP

2

See Dart Type

Barbed Dart

1 STP

1/8

1D4

Needle

2 CP

1/100

1D4

Composite long bow

100 SP

3

See Arrow Type

Composite short bow

75 SP

2

See Arrow Type

Flight arrow

3 stp/12

1/25

1D6

Long bow

75 SP

3

See Arrow Type

Sheaf arrow

3 stp/6

1/25

2D6

Short bow

30 SP

2

See Arrow Type

Club

1stp

3

1D6

Hand crossbow

300 SP

3

See Quarrel Type

Hand quarrel

1 SP

1/25

1d4

Heavy quarrel

2 STP

1/20

1d6

Heavy crossbow

50 SP

14

See Quarrel Type

Light quarrel

1 STP

1/25

1d4

Light crossbow

35 SP

7

See Quarrel Type

Dagger or dirk

2 SP

1

1D6

Dart

5 STP

1/2

1d3

Footmen flail

15 SP

15

2d4

Footman's mace

8 SP

10

1d6

Footmen pick

8 SP

6

2d4

Hand or throwing axe

1 SP

5

1d6

Harpoon

20 SP

6

2d6

Horsemen flail

8 SP

5

1d4+1

Horseman's mace

5 SP

6

1d6

Horsemen pick

7 SP

4

1d4+1

Javelin

5 STP

2

1d6

Knife

5 STP

1/2

1D4

Heavy horse lance

15 SP

15

3d6

Light horse lance

6 SP

5

1d8

Jousting lance

20 SP

20

1D6

Medium horse lance

10 SP

10

2d6

Man catcher

30 SP

8

0

Morning star

10 SP

12

2d4

Awl pike

5 SP

12

1d12

Bardiche

7 SP

12

2d6

Bec de Corbin

8 SP

10

1d8

Bill-guisarme

7 SP

15

1d10

Fauchard

5 SP

7

1d8

Fauchard-fork

8 SP

9

1d10

Glaive

6 SP

8

1d10

Glaive-guisarme

10 SP

10

2d6

Guisarme

5 SP

8

1d8

Guisarme-voulge

8 SP

15

2d4

Halberd

10 SP

15

2d6

Hook fauchard

10 SP

8

1d4

Lucern hammer

7 SP

15

2d4

Military fork

5 SP

7

2d4

Partisan

10 SP

8

1d6+2

Ranseur

6 SP

7

2d4

Spetum

5 SP

7

2d6

Voulge

5 SP

12

2d4

Quarterstaff

5 SP

4

1d6

Scourge

1 SP

2

1d4

Sickle

6 STP

3

1d4

Sling

5 CP

1/100

See Ammo Type

Sling bullet

1 CP

1/2

1d6

Sling stone

1 CP

1/2

1d4

Spear

8 STP

5

1d8

Staff sling

2 STP

2

See Ammo Type

Bastard sword

25 SP

10

2D6

Broad sword

10 SP

4

2d4

Long sword

15 SP

4

1d12

Scimitar

15 SP

4

1d8

Short sword

10 SP

3

1d8

Two-hand. Sword

50 SP

15

3d6

Trident

15 SP

5

3d4

War hammer

2 SP

6

2D6

Whip

1 STP

2

1D4

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