d20 LogoSystem Reference Document v3.5



Every monster has a treasure rating (indicating how much treasure it has, although for some creatures the rating is “None”). The tables found below are used to determine the specifics. After referencing the level and kind of treasure (coins, goods, items) found in the creature’s description, roll on the appropriate row and columns of the proper table.

When generating an encounter dealing with monsters away from their lair, remember that a creature only takes what it can easily carry with it. In the case of a creature that cannot use treasure, that generally means nothing. The monster safeguards or hides its treasure as well as it can, but it leaves it behind when outside the lair.

Using the Treasure Table

Cross-reference the level of the treasure on the left with the type of treasure. The level of the treasure is equal to the CR of the monsters in the encounter. A standard treasure (one that includes coins, goods, and items) requires three rolls, one for each category.


per Encounter
per Encounter
1300 gp117,500 gp
2600 gp129,800 gp
3900 gp1313,000 gp
41,200 gp1417,000 gp
51,600 gp1522,000 gp
62,000 gp1628,000 gp
72,600 gp1736,000 gp
83,400 gp1847,000 gp
94,500 gp1961,000 gp
105,800 gp2080,000 gp

On average, the PCs should earn one treasure suitable to their level for each encounter they overcome.


TypeAverage Result
Gem275 gp
Art object1,100 gp
Mundane item350 gp
Minor magic item1,000 gp
Medium magic item10,000 gp
Major magic item40,000 gp



15–291d6 x 1,000 cp91–951 gem72–951 mundane

30–521d8 x 100 sp96–1001 art96–1001 minor

53–952d8 x 10 gp

96–1001d4 x 10 pp


14–231d10 x 1,000 cp82–951d3 gems50–851 mundane

24–432d10 x 100 sp96–1001d3 art86–1001 minor

44–954d10 x 10 gp

96–1002d8 x 10 pp


12–212d10 x 1,000 cp78–951d3 gems50–791d3 mundane

22–414d8 x 100 sp96–1001d3 art80–1001 minor

42–951d4 x 100 gp

96–1001d10 x 10 pp


12–213d10 x 1,000 cp71–951d4 gems43–621d4 mundane

22–414d12 x 1,000 sp96–1001d3 art63–1001 minor

42–951d6 x 100 gp

96–1001d8 x 10 pp


11–191d4 x 10,000 cp61–951d4 gems58–671d4 mundane

20–381d6 x 1,000 sp96–1001d4 art68–1001d3 minor

39–951d8 x 100 gp

96–1001d10 x 10 pp


11–181d6 x 10,000 cp57–921d4 gems55–591d4 mundane

19–371d8 x 1,000 sp93–1001d4 art60–991d3 minor

38–951d10 x 100 gp1001 medium

96–1001d12 x 10 pp


12–181d10 x 10,000 cp49–881d4 gems52–971d3 minor

19–351d12 x 1,000 sp89–1001d4 art98–1001 medium

36–932d6 x 100 gp

94–1003d4 x 10 pp


11–151d12 x 10,000 cp46–851d6 gems49–961d4 minor

16–292d6 x 1,000 sp86–1001d4 art97–1001 medium

30–872d8 x 100 gp

88–1003d6 x 10 pp


11–152d6 x 10,000 cp41–801d8 gems44–911d4 minor

16–292d8 x 1,000 sp81–1001d4 art92–1001 medium

30–855d4 x 100 gp

86–1002d12 x 10 pp


11–242d10 x 1,000 sp36–791d8 gems41–881d4 minor

25–796d4 x 100 gp80–1001d6 art89–991 medium

80–1005d6 x 10 pp1001 major

09–143d10 x 1,000 sp25–741d10 gems32–841d4 minor

15–754d8 x 100 gp75–1001d6 art85–981 medium

76–1004d10 x 10 pp99–1001 major

09–143d12 x 1,000 sp18–701d10 gems28–821d6 minor

15–751d4 x 1,000 gp71–1001d8 art83–971 medium

76–1001d4 x 100 pp98–1001 major

09–751d4 x 1,000 gp12–661d12 gems20–731d6 minor

76–1001d10 x 100 pp67–1001d10 art74–951 medium

96–1001 major

09–751d6 x 1,000 gp12–662d8 gems20–581d6 minor

76–1001d12 x 100 pp67–1002d6 art59–921 medium

93–1001 major

04–741d8 x 1,000 gp10–652d10 gems12–461d10 minor

75–1003d4 x 100 pp66–1002d8 art47–901 medium

91–1001 major

04–741d12 x 1,000 gp08–644d6 gems41–461d10 minor

75–1003d4 x 100 pp65–1002d10 art47–901d3 medium

91–1001 major

04–683d4 x 1,000 gp05–634d8 gems34–831d3 medium

69–1002d10 x 100 pp64–1003d8 art84–1001 major

03–653d6 x 1,000 gp05–543d12 gems25–801d4 medium

66–1005d4 x 100 pp55–1003d10 art81–1001 major

03–653d8 x 1,000 gp04–506d6 gems05–701d4 medium

66–1003d10 x 100 pp51–1006d6 art71–1001 major

03–654d8 x 1,000 gp03–384d10 gems26–651d4 medium

66–1004d10 x 100 pp39–1007d6 art66–1001d3 major

For treasures above 20th level, use the 20th-level row and then add a number of random major items.

LevelMagic ItemsLevelMagic ItemsLevelMagic Items

Table: GEMS

01–254d4 gp10 gpBanded, eye, or moss agate; azurite; blue quartz; hematite; lapis lazuli; malachite; obsidian; rhodochrosite; tiger eye turquoise; freshwater (irregular) pearl
26–502d4 x 10 gp50 gpBloodstone; carnelian; chalcedony; chrysoprase; citrine; iolite, jasper; moonstone; onyx; peridot; rock crystal (clear quartz); sard; sardonyx; rose, smoky, or star rose quartz; zircon
51–704d4 x 10 gp100 gpAmber; amethyst; chrysoberyl; coral; red or brown-green garnet; jade; jet; white, golden, pink, or silver pearl; red spinel, red-brown or deep green spinel; tourmaline
71–902d4 x 100 gp500 gpAlexandrite; aquamarine; violet garnet; black pearl; deep blue spinel; golden yellow topaz
91–994d4 x 100 gp1,000 gpEmerald; white, black, or fire opal; blue sapphire; fiery yellow or rich purple corundum; blue or black star sapphire; star ruby
1002d4 x 1,000 gp5,000 gpClearest bright green emerald; blue-white, canary, pink, brown, or blue diamond; jacinth


01–101d10 x 10 gp55 gpSilver ewer; carved bone or ivory statuette; finely wrought small gold bracelet
11–253d6 x 10 gp105 gpCloth of gold vestments; black velvet mask with numerous citrines; silver chalice with lapis lazuli gems
26–401d6 x 100 gp350 gpLarge well-done wool tapestry; brass mug with jade inlays
41–501d10 x 100 gp550 gpSilver comb with moonstones; silver-plated steel longsword with jet jewel in hilt
51–602d6 x 100 gp700 gpCarved harp of exotic wood with ivory inlay and zircon gems; solid gold idol (10 lb.)
61–703d6 x 100 gp1,050 gpGold dragon comb with red garnet eye; gold and topaz bottle stopper cork; ceremonial electrum dagger with a star ruby in the pommel
71–804d6 x 100 gp1,400 gpEyepatch with mock eye of sapphire and moonstone; fire opal pendant on a fine gold chain; old masterpiece painting
81–855d6 x 100 gp1,750 gpEmbroidered silk and velvet mantle with numerous moonstones; sapphire pendant on gold chain
86–901d4 x 1,000 gp2,500 gpEmbroidered and bejeweled glove; jeweled anklet; gold music box
91–951d6 x 1,000 gp3,500 gpGolden circlet with four aquamarines; a string of small pink pearls (necklace)
96–992d4 x 1,000 gp5,000 gpJeweled gold crown; jeweled electrum ring
1002d6 x 1,000 gp7,000 gpGold and ruby ring; gold cup set with emeralds


d%Mundane Item
01–17Alchemical item
01–12Alchemist’s fire (1d4 flasks, 20 gp each)
13–24Acid (2d4 flasks, 10 gp each)
25–36Smokesticks (1d4 sticks, 20 gp each)
37–48Holy water (1d4 flasks, 25 gp each)
49–62Antitoxin (1d4 doses, 50 gp each)
63–74Everburning torch
75–88Tanglefoot bags (1d4 bags, 50 gp each)
89–100Thunderstones (1d4 stones, 30 gp each)
18–50Armor (roll d%: 01–10 = Small, 11–100 = Medium)
01–12Chain shirt (100 gp)
13–18Masterwork studded leather (175 gp)
19–26Breastplate (200 gp)
27–34Banded mail (250 gp)
35–54Half-plate (600 gp)
55–80Full plate (1,500 gp)
01–50Buckler (205 gp)
51–100Shield (257 gp)
91–100Masterwork shield
01–17Buckler (165 gp)
18–40Light wooden shield (153 gp)
41–60Light steel shield (159 gp)
61–83Heavy wooden shield (157 gp)
84–100Heavy steel shield (170 gp)
01–50Masterwork common melee weapon
51–70Masterwork uncommon weapon
71–100Masterwork common ranged weapon
84–100Tools and gear
01–03Backpack, empty (2 gp)
04–06Crowbar (2 gp)
07–11Lantern, bullseye (12 gp)
12–16Lock, simple (20 gp)
17–21Lock, average (40 gp)
22–28Lock, good (80 gp)
29–35Lock, superior (150 gp)
36–40Manacles, masterwork (50 gp)
41–43Mirror, small steel (10 gp)
44–46Rope, silk (50 ft.) (10 gp)
47–53Spyglass (1,000 gp)
54–58Artisan’s tools, masterwork (55 gp)
59–63Climber’s kit (80 gp)
64–68Disguise kit (50 gp)
69–73Healer’s kit (50 gp)
74–77Holy symbol, silver (25 gp)
78–81Hourglass (25 gp)
82–88Magnifying glass (100 gp)
89–95Musical instrument, masterwork (100 gp)
96–100Thieves’ tools, masterwork (50 gp)