Sometimes for NPC's I use a pre existing pc for bits and pieces, such as things so complicated as spell books. You can drop a lot of money in a spell book with scroll costs to figure in.
I still use etools by Code Monkey. That program is probably the best d&d character builder ever. Getting it might prove rather challenging these days though. But creating a lvl 40 npc druid/bard/barbarian/whatever in 20minutes is just fun