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

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

Quick Reference Table