Most of this is taken from D’s other wiki to transpose here, but with the exception of the few bits and modified back to the way this would be originally showing here.

If you’ve played D&D 4e before, you may have noticed that its gold-based wealth system can be clunky, difficult, and generally unsatisfying. It’s hard to build up enough gold to buy level-appropriate items, meaning you have to rely on the DM to give you the items you need as part of a treasure package, but you still end up hauling around large amounts of gold pieces that are never quite enough to buy anything useful. The token system is intended to replace the gold system by using abstract “tokens” in place of hard gold pieces.

The value of a token is not fixed; it scales with your level. Looking at the token cost tables, you’ll see that 10 tokens are always equal to an amount between your level-1 and your level+1, so at level 1 they’re not worth much, while at level 20 they’re worth quite a bit. You’ll also note that this means you eventually end up “overpaying” for items, since mundane items of your level will always cost 1 token, even if 1 token currently represents several thousand gold. This represents the fact that as your character gets wealthier, you’re less likely to have small change on hand, and you have enough money anyway that giving the shopkeeper a little extra is no real cost to you.

There are three primary types of tokens: Wealth, Fame, and Karma (described below). They can, and sometimes must, be spent differently depending on the situation. This helps me, as the DM, come up with more interesting ways for you to acquire items than “you stop at a store and buy the Legendary +4 Sword of Genesis”. It’s a lot cooler to spend 10 Fame and Karma tokens instead, and have a wizened old fighter stop you on the road and say, “I’ve heard of you, and I appreciate what you’ve done for our town. Here, I used this sword to defeat the great demon Argyox. Take it, and may it serve you well.”

Personal tokens are a bit of a special case – see below for how they are used. At the end of each session, players will be able to hand out a number of personal tokens (based on the size of the group) to other players for good deeds, awesome acts, great roleplaying, or other feats that deserve acknowledgement.

Standard Token Costs

Type of Item Level – 2 & Below Level -1 to Level + 1 Level + 2 to Level + 3
Permanent Magic Items 5 10 20
Consumable Magic Items
(Convert to Alchemy tokens first)
1 1 2
Learn Ritual/Formula 2 4 8
Mundane Items1 1/22 1 2

1 Mundane items are considered level 3 for purposes of cost adjustment and are not magical.

2 1/2 token cost means that when you spend it, roll a d20. On an odd value spend a token. On an even value, do not spend a token.

Special Token Costs

Type of Item Level – 2 & Below Level -1 to Level + 1 Level + 2 to Level + 3
Learn Ritual/Formula 2 4 8
20 Alchemy Component Tokens N/A 1 N/A
20 Ritual Components (ask) (ask) (ask)
Alchemical Item Creation Cost
(Cost in alchemy tokens)
1 1 2

In situations where a consumable item or ritual would come in handy, if you can justify how using Wealth, Fame, or Karma could emulate the effect, you may spend the cost for it wherever you are to get the effect.

Conversion Rate of Tokens is as follows:

Tokens Alchemy Tokens Received
2 2
4 5
6 10
10 20

Main Tokens

For these tokens, if the total of your current Wealth, Fame, and Karma tokens is 20 or greater, you will not receive further tokens until you spend some.

Wealth Tokens

These tokens represent wealth in the straightforward sense: money and items of value that can be bartered. These can only be spent in places with beings willing and able to trade/barter.

Fame Tokens

These tokens represent people’s knowledge of your deeds, and the ability for that knowledge to benefit you. These may be spent anywhere there are beings able to be affected by knowledge of your deeds.

Karma Tokens

These tokens represent good turns of fortune. Luck and karma both fall here. These may be spent anywhere.

Other Tokens

Alchemy Component Tokens

These tokens are only usable for creating alchemy items.

Personal Tokens

These tokens represent personal resources of your character. These cannot be spent as normal tokens and their use must be haggled. They may also be spent on small bonuses represented by bursts of effort or your character leveraging aspects of themselves. Those that require justification (how your character being your character helps bring about the effect) are noted:

Benefit Cost Requires Justification?
+1 Bonus on Attack or Skill Roll (purchasable after roll) 1
+2 Bonus on Saving Throw (purchasable after roll) 2
+2 Bonus on Defense of Choice UEoNT (purchasable after roll) 3
Act as 1 token of any type 2-5 Yes
Recharge an Encounter Power 5-10 Yes
Recharge a Daily Power 10-20 Yes
Contingency3 “For Want Of A Nail” (Mundane Item) 2
Contingency "Just What I Needed " (Consumable Item) 10
Other Effects (make offer)4 (ask) Yes

3 Contingency: While things like karma tokens can allow you to buy things most anywhere, they won’t necessarily be without hooks or immediately available if there’s no good source for the item. A contingency has neither of these downsides. They allow you to pre-buy the ability to have thought of bringing any item that could have conceivably gone unnoticed on your person. What the exact item is is undefined until you utilize the contingency at which point you lose the contingency and gain (or rather, always had) the item. You can use a contingency to gain an item up to the level you could normally purchase one with tokens.

4 Other Effects: This can be any number of things not listed on table. Explain to the DM what you want to have happen and offer a certain amount of tokens to go with the effect. The DM will let you know if its doable or not and if they feel it requires more tokens or not.


Keep in mind the costs and content in this list will be fluctuating from time to time as the game goes on due to various reasons. Those costs that are given as a range will cost a different amount based on the situation and how it fits with what your character is doing. The largest cost is if it barely fits or if little justification is given. The lowest cost is the lowest the cost can get, barring special circumstances, using a very good justification and a fitting scenario.


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