Equipment and Wealth
Credit Rating represents more than cash. It measures your income, reputation, access to services, and the assumptions people make when you enter a room.
Credit Rating
| CR | Standing | Typical lifestyle |
|---|---|---|
| 1–10 | Poverty | No reliable income |
| 11–30 | Poor | Laborer or servant |
| 31–50 | Average | Clerk, teacher, working professional |
| 51–70 | Comfortable | Doctor, lawyer, established specialist |
| 71–90 | Wealthy | Industrialist or heir |
| 91–99 | Rich | Banker or powerful proprietor |
| 100 | Extravagant | Magnate or aristocrat |
Your starting cash is determined by the campaign and occupation. A common method is 1d10 × CR at the start of a session, with monthly income around CR × $10. When you need to obtain something beyond your normal means, the Keeper may call for a Wealth Check: CR plus a percentile roll, compared to the item's cost and circumstances.
Lifestyle
Choose a standard of living that matches your CR and story. Poor living costs about $25 per month, Average $75, Comfortable $200, Wealthy $500, Rich $2,000, and Extravagant $10,000. Failing to maintain your lifestyle can create debt, lost access, social penalties, or pressure from creditors.
Useful gear
Light is often more valuable than ammunition. A flashlight or oil lantern, notebook, camera, magnifying glass, lockpick set, rope, medical kit, and spare clothing can turn an impossible scene into a survivable one. Equipment may grant a bonus when it directly solves a problem, but it never replaces a roll when danger or uncertainty remains.
Weapons are categorized by skill: handgun, rifle/shotgun, heavy firearm, brawling, or melee. Keep track of ammunition and weapon condition. Armor is protection, not invulnerability, and Mythos damage may ignore it.
The cost of help
A bribe, a train ticket, a hotel room, a doctor, or a lawyer can all change an investigation. Money opens doors, but it also leaves records and creates obligations. Decide whether you are paying, borrowing, trading a favor, or spending something more precious than cash.
Equipment as story
Write down who gave you your weapon, why you carry your notebook, and what is in the photograph you refuse to destroy. When equipment has history, losing it matters—and finding it again can become a lead.