Showing posts with label currency. Show all posts
Showing posts with label currency. Show all posts

2019/03/12

OSR: Currency in Endon

Endon, the city at the heart of my upcoming Magical Industrial Revolution book, is Restoration-Georgian-Regency-Victorian fantasy, so I've created a Restoration-Georgian-Regency-Victorian price list. There are still items I'd like to add: magical reactors, potions, newspapers, printing presses, inns, funerals, etc., but I thought I'd put up the draft for review.
Dore's London

The Season

In Endon, the Season lasts from January to June: approximately half the year. It starts with the first balls of the season, properly wakes up with horse races and Parliament's return, roars through spring and early summer, then slowly winds down by June as the great families return to their country estates. For convenience, a Season contains 180 days.

Everything in Endon happens during the Season. During the rest of the year (the Off-Season), it's assumed life  just carries on. Poor, Lower, and Middle Class PCs are assumed to be working or nursing wounds, grudges, and/or infants. Some Middle and Upper Class PCs can roll on a giant carousing table to lose their fortunes at cards, gain insight into the future, etc, etc. In the Off-Season, nobody gains or loses money.


PCs go on adventures during the Season. Once a dungeon has been cleared, a crisis averted, a mansion burgled, a rival bankrupted, etc, the Season ends. The GM, probably between game sessions, then rolls to advance various Innovations and sets up the next Season.

Adventures in the Off-Season are possible (of course).

The prices below are based on notes from the Jane Austen Society, Henry Mayhew's London Labour and the London Poor, and T.A.J Burnett's The Rise and Fall of a Regency Dandy. The last source in particular was very useful for adventuring purposes. Scrope Davies lead a very interesting life.

1gp = 10sp = 100cp = (very approximately) £1 in 1800 = (extremely approximately) $100 modern American. The values should be within an order of magnitude of accurate. Given this information, it should be possible to adjust Endon's currency to suit your system.


Item Cost
Clothing
Rags 3cp
Work Clothing (coat, underclothes, boots) 8sp
Proper Clothing (jacket or dress, shoes) 1gp
Extravagant Clothing 10gp
Wig 1gp
Fine Hat 1gp
Fine Umbrella 1gp


Food
Cheap Meal (bread, drippings) 1cp
Basic Meal (bread, cheese, beer) 3cp
Moderate Dinner (cold meat, bread, beer) 7cp
Steak Dinner (steak, dip, bread, beer) 1sp
Sumptuous Dinner (steak, fish, fruit, wine, beer) 1gp
Bread (1 loaf) 1cp
Local Cheese (1lb) 4cp
Fancy Cheese (1lb) 1sp
Oranges (1 dozen) 1sp


Rental Housing
Lodging House Room (disreputable, per night) 2cp
Lodging House Room (reputable, per night) 5cp
Apartment (small, per Season) 30gp
Apartment (large, per Season) 60gp
Apartment (luxurious, per Season) 100gp
Townhouse (on the outskirts, per Season) 50gp
Townhouse (central, per Season) 400gp


Owned Housing
Townhouse (on the outskirts) 1,200gp
Townhouse (central) 10,000gp
Country House 5,000gp
Country Estate (moderate) 20,000gp
Country Estate (vast) 100,000gp


Drink
Gin (5oz) 1cp
Beer (1 pint) 2cp
Local Wine (1 bottle) 3sp
Fancy Wine (1 bottle) 8sp
Brandy and Water 1sp


Entertainment
Penny Theater 1cp
Coffee House Evening 8cp
Prostitute (appalling) 3cp
Prostitute (cheap) 1sp
Prostitute (expensive) 1gp
Admission to the Long Mall 1sp
Box at the Theater 5sp
Piano 30gp


                                                Education
Foreign Language Lessons (per Season) 2gp
Dancing Lessons (per Season) 4gp
Tuition and Board at Endon College (per Season) 15gp
Apprentice to a Wizard (per Season) 30gp


Transport and Mail
Local Postage 2cp
International Postage 1sp
Local Runner / Courier 1sp
Boat across the River Burl 4cp
Bicycle 2gp
Horse (Riding or Carriage) 20gp
Horse (Racing or Hunting) 100gp
Carriage (basic) 30gp
Carriage (luxurious) 80gp
Coach 100gp


Hirelings
Tip 1d6cp
Urchin (hourly rate for simple tasks) 2cp
Servant (per Season) 4gp
Fancy Servant (per Season) 12gp
Superlative Servant (per Season) 20gp


Misc. Supplies
Brass Barometer 2gp
Candles (1lb) 3sp
Cheap Book or Notebook 5sp
Coal (a day's worth) 1cp
Glass Bottle 1cp
Plates, Cups, Cutlery (6 sets) 1gp
Silver Watch 5gp
Teapot 2sp
Soap (1lb) 1sp


Healing
Bloodletting (unskilled) 3cp
A Course of Drugs 1gp
Pulling a Tooth 5cp
Amputation of a Limb 1gp
Difficult Surgery 30gp
Extremely Difficult Surgery 100gp
Advice of a Physician (per visit) 10gp
A Fleet of Physicians (per day) 50gp


Weapons
Dagger 1sp
Sword or Rapier 3sp
Dueling Pistol 5gp
State-of-the-Art Fowling Piece (shotgun) 70gp


Magic Items
Minor Magic Item (pg. ##)  [   ] 5gp

[   ] [   ] 3gp

[   ] [   ] [   ] 2sp
Minor Magic Weapon (pg. ##)  [   ] 15gp

[   ] [   ] 8gp

[   ] [   ] [   ] 4gp
Magic Sword (pg. ##)  [   ] 100gp

 [   ] [   ] 50gp

[   ] [   ] [   ] 30gp
The brackets [  ] indicate the Tempo of Endon.


Income Revenue
Unskilled Manual Labour (per day) 1sp
Unskilled Manual Labour (per Season) 2gp
Skilled Manual Labour (per day) 2sp
Skilled Manual Labour (per Season) 4gp
Shop Clerk (per Season) 50gp
Merchant Banker (per Season) 200gp
Reputable Physician (per Season) 500gp
Sale of a Novel or Work of Poetry 10x1d20gp
Interest on Wealth (per Season) 2% of wealth deposited*

There are four social classes in Endon. The minimum costs for each are listed below. If you can't pay the costs,  you drop to the next class down (or, at the very end, starve to death).
  • The Poor must support a Cheap Meal per day and a new set of Rags each Season.
  • The Lower Class must support a a Lodging House Room and a Basic Meal per day and a new set of Work Clothes per Season.
  • The Middle Class must support a Moderate Dinner per day, a Servant, an Apartment, and a new set of Proper Clothing per Season.
  • The Upper Class must support a Steak Dinner per day, two Servants, a Luxurious Apartment, and a new set of Extravagant Clothing per Season. They must also own a Carriage, a Riding Horse, and a Country House.
The costs are the absolute bare minimum required to scrape by. Overspending is encouraged. Sharing housing costs with other PCs is also possible.

Cost to be Poor (per day) 1cp
Cost to be Poor (per Season) 2gp
Cost to be Lower Class (per day) 5cp
Cost to be Lower Class (per Season) 9gp
Cost to be Middle Class (per day) 3sp
Cost to be Middle Class (per Season) 45gp
Cost to be Upper Class (per day) 8sp
Cost to be Upper Class (per Season) 138gp

*Traditionally, this would be 5% of wealth deposited per year, but the Season is only half the year and I'm including taxes and fees wherever possible. Invest wealth at a bank. Assuming the world doesn't end (and what are the chances of that), the bank will provide a nice stable income at the start of each Season.

Loans

Need money quickly? No problem! Loans are available at 100% interest per Season, due at the end of the Season. Take out a loan for 1,000gp and you'll need to pay back 2,000gp. If you only pay back 500gp, you'll need to pay back another 3,000gp the next Season, etc. Debt can rapidly spiral out of control. If you can't pay, the lender will accuse you of Theft (pg. ##) and put you on trial.

You can take out new loans to pay off old ones but eventually the lenders will get together and come after you with a vengeance.

Loans from friends, relations, and patrons charge 5-10% interest per Season but typically come with strings attached.

2017/11/18

OSR: 1d100 Coins

So your party has found a cache of coins in the ground. What's the deal with them?
Silver Tetradrachm, Egypt, 305 BC

Material

I use a simplified currency system, where 1gp = 10sp = 100cp, and 1cp = $1 modern American dollar = 1 medieval denier for the purposes of eyeballing costs.
1d10 Material Value
1 Unknown Varies (reroll secretly)
2 Wood or Paper Worthless
3 Pewter Nearly worthless
4 Tin Nearly worthless
5 Copper 1 cp
6 Brass 1cp
7 Bronze 1cp
8 Silver 1sp 
9 Electrum 1.5 sp or 1sp if lazy
10 Gold 1 gp
 
Silver Stater, Attica, 500 BC


Size and Shape

Roll twice, once for size, once for shape.
1d4 Size Shape
1 Fingernail Blobby
2 Nostril Round
3 Grape Round and ridged
4 Thumb Octagonal
Gold Florin, Florence, 1347 AD

1d100 Coins

Roll once, or roll once for the obverse and once for the reverse. I've also listed the actual identity of the coin if you want to look it up.

"Symbols" refers to letters, numbers, astrological signs, runes, or other marks.

You might want to edit the descriptions to fit the location. A tomb built by snake-men isn't going to have humans on the coins inside.

 
1d100 Obverse (Heads) Reverse (Tails) Actual Identity
1 Many symbols, evenly spaced Pyramid with symbol Byzantine, milaresion, 815 AD
2 Man's head with laurel wreath and beard Man lounging on a shield Rome, brass sestertius, 140 AD
3 Man's head with laurel wreath Large round building Rome, brass sestertius, 80 AD
4 Woman's head with many symbols Building, some symbols Rome, silver denarius, 45 BC
5 Woman's head with helmet Startled owl, some symbols Athens, silver tetradrachm, 510 BC
6 Man's head, holding symbol, head on Symbols, large and small Byzantine, bronze 40 nummia, 538 AD
7 Man with crown, ring of symbols Woman with crown Naples, silver carlino, 1503 AD
8 Man's head with long hair, bow and spear Goat's head, symbols Himyaria, silver denarius, 100 AD
9 Crowned man and woman facing each other Quartered shield, stars Spain, double excellente, 1480 AD
10 Man and woman with strange hats, head on Pyramid with symbol Byzantine, gold solidus, 635 AD
11 Man's face, long straight hair Man on horseback Ferrara, silver testoene, 1530 AD
12 Man's head with crown, mustache Symbols, ringed by vines British India, 1/4 Anna, 1919 AD
13 Man in a boat, holding a shield 8-pointed star England, gold noble, 1360 AD
14 Bell being run by 3 hands, over a city Shield with many symbols Brunswick, silver thaler, 1643 AD
15 Bearded man with lantern and spear Man with sword, symbols India, gold stater, 127 AD
16 Man with pointed beard, ringed by symbols Quartered, with buildings Brabant, philippsdaaler, 1557 AD
17 Symbol, 2 rings of symbols Symbol, 2 rings of symbols France, silver gros tournois, 1270 AD
18 Man in armour being crowned by a woman Man with robes, head on Byzantine, gold solidus, 675 AD
19 Bowl with three legs, some symbols Obverse, but indented Croton, silver stater, 500 BC
20 Building with columns, ringed by symbols Symbol, ringed by symbols Frankia, silver denier, 820 AD
21 Woman with curled hair, some symbols Large rat with leaves Canada, 5 cent nickel, 2017 AD
22 Man's head, ring of symbols Woman seated on chair Rome, copper as, 40 AD
23 Woman's head with helmet Realistic crab Acragas, silver tetradrachmm, 450 BC
24 Man with rolled hair, head on Pyramid with symbol Byzantine, gold solidus, 714 AD
25 Winged horse with tiny legs, single symbol No design (punch mark) Corinth, silver stater, 550 BC
26 Man with crown and staff, head on Death holding a scepter Austrasia, gold solidus, 540 AD
27 Lion's head facing a bull No design (punch mark) Lydia, silver siglos, 550 BC
28 Man in armour on horseback, with sword Lion in front of a building Flanders, franc a cheval, 1360 AD
29 Cross-legged man, ribbons Man with trident and bull India, gold dinar, 110 AD
30 Man's head with long curly hair, symbols Crowned circle with wings France, 1/2 ecu aux palmes, 1694 AD
31 Two figures holding two shields 12-pointed star France, salut d'or, 1446 AD
32 Two lions holding a crown 16-pointed star Hainault, double royal, 1380 AD
33 Man's head with laurel wreath and cloth Skeleton, sitting figure Rome, silver denarius, 75 AD
34 Man's head with hood, some symbols Hammer, bag, vines Rome, gold aureus, 46 BC
35 Naked man, long hair, stag, some symbols Obverse, but indented Caulonia, silver stater, 500 BC
36 Eagle with shield holding arrows and branch Woman with banner USA, silver dollar, 1842 AD
37 Man with robes and staff Leaf with some symbols Florence, gold florin, 1251 AD
38 Lion, glowering, head on No design (punch mark) Rhegium, silver tetradrachm, 445 BC
39 Man's head, stacked hair, many symbols Symbols and flowers Mercia, penny, 786 AD
40 Crowned man and woman, side by side Crowned shield Antwerp, gold sovereign, 1612 AD
41 Column covered in leaves Quartered circle with birds England, silver penny, 1060 AD
42 Lion holding a sword and shield Wreath around symbols Leyden, paper 28 stuivers, 1574 AD
43 Man's head with flat hat, ribbons Man holding a staff Bactria, silver tetradrachm, 170 BC
44 Man with thin moustache, curly hair 4 pointed star, 4 crowns France, 8 louis d'or, 1640 AD
45 Woman's head with headband Eagle, many symbols Egypt, silver tetradrachm, 40 BC
46 Woman's head with long hair and helmet Large symbols with wreath Confederate, copper penny, 1861 AD
47 3 faces, head on, with buildings Symbols and braids Fritzlar, gold bracteate, 1235 AD
48 Man's head with beard Man riding horse, stars Macedon, silver tetradrachm, 340 BC
49 Man aiming bow at lion Man standing on dead lion Gupta Empire, gold dinar, 380 AD
50 Man's head with laurel wreath Man seated on chair Rome, silver denarius, 15 BC
51 Man's head with bag and staff Three tiny figures, symbols Rome, silver denarius, 42 BC
52 Man's head with hide helmet Warrior woman with bird Egypt, silver tetradrachm, 305 BC
53 Man with sword, head on, on a throne Braids and columns Brandenburg, gold bracteate, 1180 AD
54 Woman's head with helmet, some symbols Lion fighting bull Acanthus, silver tetradrachm, 520 BC
55 Woman's head with laurel wreath Lion's head with 3 fishes Leontin, silver tetradrachm, 440 BC
56 Man's head with long hair and ribbon Bird with leaves USA, quarter, 1995 AD
57 Man on throne, head on, scepter and orb Shield with 8 rings England, gold sovereign, 1490 AD
58 Man's head with beard Naked satyr with bowl Naxos, silver tetradrachm, 470 BC
59 Braids and dots, abstract No design (punch mark) Britain, gold stater, 50 BC
60 Man's head with ringed hair and ribbon Winged woman with tablet France, ecu constitutionel, 1792 AD
61 Bald man's head with stars and symbols Gate with two chains Ghana, cupro-nickel threepence, 1958 AD
62 Man's head with thick scarf Eagle, many symbols Egypt, silver tetradrachm, 300 BC
63 Man's head with curled hair Square columned building USA, copper penny, 1991 AD
64 Eagle carrying a snake Winged woman, seated Olympia, silver didrachm, 450 BC
65 Man with scepter and crown 8-pointed star France, masse d'or, 1296 AD
66 Man's head with short hair and armour Man with banner on horse Piacenza, silver scudo, 1626 AD
67 Man holding a sword on shoulder Quartered circle with dots Aquitaine, silver demi-gros, 1370 AD
68 Bearded man with lantern and spear Woman with two bulls India, gold stater, 200 AD
69 Man's head, many symbols Two daggers, bell Rome, silver denarius, 43 BC
70 Woman's head with helmet Cow with some symbols Thurium, silver tetradrachm, 410 BC
71 Man with two heads Ship's prow Rome, bronze as, 289 BC
72 Lady's head with laurel wreath and 3 fishes 4-horse chariot, lion below Syracuse, silver decadrachm, 479 BC
73 Grinning lion's head No design (punch mark) Lydia, electrum 1/2 stater, 600 BC
74 Satyr's head with beard, beetle, some symbols Man seated on chair Atena, silver tetradrachm, 480 BC
75 Man with staff, head on, on bridge Symbols, braids, and dots Efurt, gold bracteate, 1145 AD
76 Woman with curled hair, some symbols Bear on ice Canada, 2 dollar "toonie", 2017 AD
77 Man's head with laurel wreath, robes 2 men holding a staff Brindisi, gold augustale, 1231 AD
78 Man's head with short hair and laurel wreath Man on horse with sword Great Britain, crown, 1818 AD
79 Man's head with swan's body Two tiny warriors Rome, silver denarius, 94 BC
80 Peacock on a shield Crowned shield Antwerp, silver penny, 1612 AD
81 Woman in robes, holding child Shield with wreath Hungary, silver denar, 1530 AD
82 Palm tree with two crossed swords Symbols Saudia Arabia, guinea, 1957 AD
83 Three decapitated figures, holding heads Man with hat, devils Zurich, silver thaler, 1512 AD
84 Man's head with beard and robes 2 figures, furnace Rome, brass sestertius, 118 AD
85 Man's head with long straight hair Domed building USA, nickel, 1961 AD
86 Man with wings holding spear Shield supported by lions England, gold angel, 1500 AD
87 Man's head with long curly hair and ribbon Woman with a harp Great Britain, copper, 1717 AD
88 Young man with wild hair, head on 4 horse chariot, tangled Catana, silver tetradrachm, 415 BC
89 Man with robes, ring of symbols Woman holding dagger Parthia, silver octadrachm, 100 AD
90 Man's head with short hair and laurel wreath Eagle on drums and scroll Prussia, silver thaler, 1764 AD
91 Man's head with short hair and laurel wreath Woman with trident Great Britain, copper twopence, 1797 AD
92 Man's head with short hair Torch and two plants USA, dime, 1965 AD
93 Sea turtle with ridged back No design (punch mark) Aegina, silver stater, 600 BC
94 Bearded man with a bow and spear No design (punch mark) Persia, gold daric, 515 BC
95 Woman with short hair, tiara Bird in water with island Canada, 1 dollar "loonie", 1988 AD
96 Woman with hood Bird standing on thistles Milan, silver testone, 1480 AD
97 Man's head with long curly hair and robes Shield within a shield, lions Sweden, silver riksdaler, 1707 AD
98 Wreath, many symbols Many symbols Rome, bronze dupondius, 20 BC
99 Symbol, ringed by symbols Symbol, ringed by symbols Frankia, silver denier, 780 AD
100 Cow with horns, licking its own foot Cuttlefish Eretria, silver tetradrachmm, 450 BC

Gold Sovereign, England, 1490 AD

Bonus Coin Facts

Coins were mostly known by their designs. If a modern coin changes designs overnight, people still accept it as valid. But if an ancient coin changed, people might start to question if it was actually worth - in silver or gold - what it says it was.

Imitation mints - not forgeries, but imitations - were common. If one city was known for very good coins, and their coins had a crab on them, you'd better make sure your coins had a crab on them too. This could lead to a string of imitators, with the original design being morphed by a game of telephone into something quite strange.

These tokens would make a very interesting treasure hall in a puritanical, time-traveling, or otherwise hilarious game.


Adulterating the currency was a common way to raise money in the short term and crash your economy in the medium-to-long term. The government only accepts payment in one type of silver coin. It then melts the coins down and reissues a larger number of smaller or mixed-metal coins. If you took in $100 of silver coins, you could issue $120 of adulterated coins, or issue $100 and keep $20 for your own needs. 

This means any given treasure haul could contain coins that are far better or far worse than coins currently in circulation in the area.