Dungeon Masters Guide Rules on Treasure
The DMG is a bit vague on the subject of treasure and this is my interpretation of the rules.
Individual Treasure. So, the player can find treasure in a few different ways. Firstly there is individual treasure. This is the treasure a creature might be carrying on their person, like coins in their pockets.
Treasure Hoard. This is the treasure amassed by multiple creatures or maybe one strong one. A bandit might have a small amout of individual treasure, but a bandit camp might have a larger hoard. So depending on what the players are facing, they might find different sizes of treasure.
Magic Items. The last kind of treasure are magic items. These are categorized in treasure themes. Now, I interpret the DMG as saying that if the creature has a treasure theme, you roll on the treasure hoard table. This however makes no sence to me since a lot of creatures have a treasure theme but are not powerful enough to have a hoard. For example, on a bandit it says "Treasure: Any". And on Monster Treasure Preferences it says: Any. The monster has a treasure hoard". But a 1/8 CR bandit is not going to have a hoard, realistically. What I did was include a button that gives you the option to roll the treasure as a hoard or not.
The rest is pretty straight forward. The size is determined by the CR of the creature and the level of the players. Then you look at the tables and roll for treasure. This is an example of how the pipeline can look like:
Berserker - Treasure: Armaments, Individual
| CR | Treasure | Player lvl | Magic Items | Item's Rarity - d100 | Roll on Armament table |
|---|---|---|---|---|---|
| 2 |
Individual 3d6 (10) GP Hoard 2d4 × 100 (500) GP |
12 | 1d4-1 |
01-11 Common 12-34 Uncommon 35-70 Rare 71-93 Very Rare 94-00 Legendary |
1d100 on the rarity of the item a number of times = how many Magic Items you rolled. For the complete list of items, see DMG page 326. |
Here I will present the tables used for generating the treasure:
Random Individual Treasure
| CR | Treasure |
|---|---|
| 0-4 | 3d6 (10) GP |
| 5-10 | 2d8 × 10 (90) GP |
| 11-16 | 2d10 × 10 (110) PP |
| 17+ | 2d8 × 100 (900) PP |
Random Treasure Hoard
| CR | Treasure | Magic Items |
|---|---|---|
| 0-4 | 2d4 × 100 (500) GP | 1d4-1 |
| 5-10 | 8d10 × 100 (4,400) GP | 1d3 |
| 11-16 | 8d8 × 1,000 (36,000) GP | 1d4 |
| 17+ | 6d10 × 10,000 (330,000) GP | 1d6 |
Magic Item Rarities
————— 1d100 Roll —————| Levels 1-4 | Levels 5-10 | Levels 11-16 | Levels 17-20 | Item's Rarity |
|---|---|---|---|---|
| 01-54 | 01-30 | 01-11 | — | Common |
| 55-91 | 31-81 | 12-34 | — | Uncommon |
| 92-00 | 82-98 | 35-70 | 01-20 | Rare |
| — | 99-00 | 71-93 | 21-64 | Very Rare |
| — | — | 94-00 | 65-00 | Legendary |