Minimalist treasure 2: generating hoard types

Continuing from the previous post, I wanted a way to generate treasure without complicated tables. The goal: a single roll that tells you not just how much treasure there is, but what kind — and how much of it is worth carrying.

Introduction (designer's notes)

Modern economists, following Aristotle, identify (at least) three qualities of sound money: portability, divisibility, and durability. In D&D, coins are certainly durable, but portability and divisibility are more situational. Few millionaires keep a significant share of their wealth in one-dollar bills — and no one with fifty thousand dollars in assets holds it as a single diamond. The denomination also has to match the transaction. Nobody buys a Ferrari with piles of dimes.

Put simply, the wealthier a person is, the more efficient their treasure tends to be per pound.

A handful of silver coins offers more divisibility than gold, but the gold is more portable. A gem offers more portability still, at the cost of divisibility, since dividing a ruby makes it lose most of its value.

In D&D, perhaps only a dragon — a compulsive hoarder by mythological nature — would accumulate the kind of mixed, inefficient pile that the encumbrance system is quietly designed to punish. Everyone else, given the choice, gravitates toward the top of the table.

This system takes all of this into account. If I may say so, it ended up being a lot easier to use than I expected.

The system

You already know the total value of the hoard (roughly 100 gp per HD, as discussed before; a lair of 100 bandits has a hoard worth about 5,000 gp). This roll tells you the composition — what the treasure is made of, and how efficiently it's packed.

Roll d20, then add +1 for every 1,000 gp in the hoard, up to a maximum of +20 (corresponding to a 20,000 gp hoard). Larger hoards should be broken into smaller parts and rolled separately. The result determines treasure type from the table below.

Roll	Treasure type	Value density
0 or less	Low-value or heavy objects (junk, pelts, tools)	= gold / 1,000
1	Reroll -10	—
2–9	Copper	= gold / 100
10–11	Reroll ±10	—
12–19	Silver	= gold / 10
20–21	Reroll ±10	—
22–29	Gold	= gold
30–31	Reroll ±10	—
32–39	Platinum	= gold × 10
40–41	Reroll ±10	—
42–49	Gems & Jewelry	~ gold × 100
50–51	Reroll ±10	—
52–59	Magic items	~ gold × 1,000
60	Reroll +10	—
61+	Legendary item or artifact	~ gold × 10,000

A quick note on the value density column. Each tier is roughly 10× more efficient per pound than the tier below — a clean order-of-magnitude progression that makes the table easy to understand.

And this progression looks very reasonable and not that far from the original. Consider:

Gems and jewelry in B/X are worth about 1,000 times their weight in gold (the 100× figure in our table is a deliberate simplification). In the real world, everyday jewelry is worth only slightly more than its gold content, but gems span an enormous range — common stones are worth a fraction of gold per gram, while fine rubies and emeralds can reach 2,000–5,000×.

Magic items vary immensely in price and weight, but 1,000× their weight in gold is not absurd as a round number. The spread is enormous: a Ring of Invisibility is roughly 3,300 times more valuable per pound than +1 plate armor, which works similarly to the gem range — the same category contains both a pebble and a diamond.

Because of that, gems and magic items might deserve their own sub-tables (which are already in B/X, AD&D etc.).

Treasure composition

The digit at the end of your result — the ones place, from 2 to 9 — tells you how heterogeneous the treasure is. This is where Pareto comes in: if a player takes only 20% of the treasure by weight, how much of the value do they recover?

• Digit 9: 90% of the value is in the top 20% by weight. Highly varied — gems scattered among coins, a magic item wrapped in cloth at the bottom of a chest of silver.
• Digit 5: roughly 50% of the value in the top 20%. Moderately mixed.
• Digit 2: 20% of the value in the top 20%. Nearly homogeneous — a chest of nothing but copper pieces, uniform all the way down.

A result of 24 (gold, digit 4) means: the treasure is worth its weight in gold on average, and taking the best 20% by weight recovers about 40% of the value (this 40% is mostly platinum pieces, some gems, etc.). A result of 27 (silver, digit 7) means: it's heavy and low-value on average, but picking carefully gets you 70% of the value in 20% of the weight — there's some gold in there.

Results ending in 0 or 1 are rerolls: 0 means roll again and add 10, 1 means roll again and subtract 10. This preserves the natural 20 as a potential windfall and the natural 1 as a setback, while keeping the table open-ended in both directions. The +20 cap means most large hoards cluster in the gold-to-platinum range, with gems and magic items requiring either a lucky roll or a genuinely exceptional hoard.

Treasure appearance

Homogenous treasure (i.e., digit 2) is easy to describe. For example, result 22 is basically a big pile of gold, etc. Mixed treasure, however, will look mostly as one tier below. E.g.,  result 25 is maybe almsot half silver, around 20% gold, around 20% copper, and only a bit of platinum.

Pocket money

Individual creatures carry roughly 1% of the lair's total value on their person, in the same denomination as the main hoard, provided they can carry it. A gnoll lair worth 3,000 gp in silver means each gnoll carries about 30 gp worth of silver coins — enough to be worth mentioning, not enough to change the logistics. This also gives the party a small preview of what's coming: creatures carrying gold suggest a gold hoard ahead; creatures carrying gems suggest something more interesting.

Outliers

Even a very small hoard can contain gems and magic items. This isn't usually a problem — as noted above, both categories vary enormously in value. A potion might be worth 50 gp, a semi-precious stone even less.

If you roll gem and magic item values separately, you face a choice: fix the results to match the hoard's overall scale, or let the dice fall and accept that a lone goblin might be carrying a ring of inestimable value. Maybe that deserves a table of its own... but that's a post for another day.

Carrying mixed treasure

The digit makes it possible to record treasure concisely and make decisions about it later. A player might note "30 pounds of platinum (34) Treasure" — meaning the hoard is platinum-tier (so, it is worth 3,000 gp) and the digit is 4. Back in town, or at a bottleneck in the dungeon, they can decide to keep only the best 20% by weight: that recovers roughly 40% of the value, or about 1,200 gp, at one fifth the encumbrance. If they have a cart, they take it all. If they're fleeing through a collapsing corridor, they know exactly what to grab first and what to leave behind — and they have a number to justify the decision at the table rather than an argument.

Pareto to infinity?

The system can recurse. A gold-tier hoard contains a platinum-tier sub-hoard — roll again to find what share (the digit, as before). That platinum sub-hoard may itself contain a gem-tier portion, and so on, until you've identified the single most valuable in the pile. Stop whenever the detail stops being useful, or when the digit is 2 (meaning a uniform pile of coins, homogeneous all the way down). In theory you could choose the best gem in a handful... But few adventurers are wealthy enough to leave any gems behind!

Time is money

One thing I haven't analyzed here (nor have I seen it addressed in any D&D rulebook) is the time required to sort a hoard. A disorganized dragon hoard could take hours to sift through properly. Most human-administered treasures, by contrast, will have at least some organization and can probably be assessed and selectively looted in a few minutes, depending on size. In a rush, however, PCs might be forced to carry a few random bags and trust their luck!

But does this actually make sense?

Yes!

For example, if you rolled 24, this is what a treasure could look like. This is mostly AI-generated but fixable by adding more copper and gems, and probably a human with excel could do a similar job.

Hoard: ~10,000 gp total, result 24 (gold tier, digit 4)

Item	Weight	Value	% of value
30,000 cp in copper coins	300 lb	300 gp	3%
40,000 sp in silver coins	400 lb	4,000 gp	40%
3,000 gp in gold coins	300 lb	3,000 gp	25%
120 pp in platinum coins	12 lb	600 gp	6%
5 gems (avg 80 gp each)	0.1 lb	400 gp	4%
2 pieces of jewelry (avg 200 gp)	0.2 lb	400 gp	4%
1 magic item	0.5 lb	1,000 gp	10%
Total	~1,013 lb	~9,700 gp	100%

The top 20% by weight is ~203 lb. That's:

• the magic item (0.5 lb, 1,000 gp)
• the jewelry (0.2 lb, 400 gp)
• the gems (0.1 lb, 400 gp)
• the platinum (12 lb, 600 gp)
• and about 190 lb of gold coins (1,900 gp)

Total: ~203 lb, ~4,300 gp — about 44% of the value in 20% of the weight.