Wealth rating HR- looking for feedback

[Sadrik]

I am looking to remove unwanted accounting from my d&d game and came up with these wealth rules. The are abstract and odd at first but I (and my group only have 4-5 hours to run a game and from previous experiences after a large haul we could easily spend 1-2 hours dividing up treasure. I want make a serious cut into that time by instituting this house rule.

Wealth: Each character’s wealth rating starts at 5 + Charisma modifier. Characters can increase their wealth rating by selling items to increase their wealth. The gp cost of an item is 1 or more steps higher the character can increase the wealth rating by a number of steps equal to half the difference. Example: you have a 10 wealth rating sell a 160,000 gp item (18), 10-18 =8 and 8/2 =4. So your wealth rating increases by 4 to 14.

Wealth Chart

Wealth Rating	Wealth Value	Wealth Rating	Wealth Value
1	1 cp	16	40,000 gp
2	1 sp	17	80,000 gp
3	1 gp	18	150,000 gp
4	10 gp	19	300,000 gp
5	20 gp	20	600,000 gp
6	40 gp	21	1,200,000 gp
7	80 gp	22	2,500,000 gp
8	150 gp	23	5,000,000 gp
9	300 gp	24	10,000,000 gp
10	600 gp	25	20,000,000 gp
11	1,200 gp	26	40,000,000 gp
12	2,500 gp	27	80,000,000 gp
13	5,000 gp	28	150,000,000 gp
14	10,000 gp	29	300,000,000 gp
15	20,000 gp	30	600,000,000 gp

Wealth Cost Chart

Item Bought	Time/Penalty
Wealth+1	1/year and -1 wealth or -2 wealth
Wealth	1/month or -1 wealth
Wealth-1	1/week
Wealth-2	Any

 

[Pyrex]

So a level 1 Sorcerer with 18 Cha can buy an unlimited number of items (say, Potions of Cure Light Wounds and Caster Level 3 Scrolls of Magic Missile) as long as they cost less than 80gp each?

Seems off to me.

 

[Sadrik]

Yeah, that does seem a little off do you have any suggestions that could help there?

How about:
They get a weekly allowance of wealth -2. Instead of buying any and all under their wealth -2.

I dont mind it being arbitrary and abstract. But I dont want unlimited X. So that was a good call for some reason that did not register.

 

[Pyrex]

Why not use the d20 Modern Wealth rules? It's probably easier than building a new system from scratch.

They implicitly limit "unlimited" purchases by enforcing time required to find an item as well as making the Wealth rating a little more fluid.

 

[HeavenShallBurn]

The d20 Game of Thrones RPG had good Wealth rules, you wouldn't go wrong taking a look at them for guidance. A port of the Exalted wealth rules might work with some conversion as well.