Each player character will automatically expend not less than 100 gold pieces per level of experience per month. This is simply support, upkeep, equipment, and entertainment expense. These costs are to be deducted by the Dungeon Master automatically, and any further spending by the PC is to be added to these costs. Such expense is justified by the “fact” that adventurers are a free-wheeling and high-living lot (except, of course, for monks).
Other miscellaneous expenditures by player characters encompass such things as additional equipment expense for henchmen or hirelings, costs of hirelings, bribes, costs of locating prospective henchmen, and so on. To such costs are to be added:
100 g.p. per month in addition to treasure shares.
1% of total stronghold cost per moth.
Finally, any taxation or other levies must be taken into consideration, along with contributions to the player character’s religious organization.
The DM may reduce costs according to prevailing circumstances if you feel it is warranted, but even so doing should not give rise to excess funds on hand in the campaign.
For short term accommodations, the Dungeon Master will set the rates for nightly lodging based on the class of the establishment and locale.
See Non-Player Characters.