Difference between revisions of "Money"

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(Thundersnow tax mult; updated some old tax info; added detailed tax formula explanation)
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Money in multiplayer is shared and thus it does not matter who picks up the gold or ore, everyone will receive their respective amount. However, when someone has some +%gold or ore gain, the gold or ore gained between different players may differ. <br>
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Heroes of Hammerwatch has two kinds of money: Gold and Ore. Gold is used for purchasing character upgrades from most vendors in [[town]], and also for buying items from the [[General Store]]. Ore is used to expand the player's town, unlocking new features including higher stages of upgrades for gold purchase. Ore can also be bought or sold by the [[Ore Trader]] at an 80% exchange rate.
For example, when Player 1 with a +%gold multiplier of 100% (default) picks up 100G, 100G will show up in their personal coffers. <br>
 
Player 2 with a +%gold multiplier of 120% will instead receive 120G in their coffers.  
 
  
== Gold ==
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== Acquisition ==
Gold gain sources (Additive):
+
Gold and ore are primarily obtained by exploring dungeons, during which these riches must be sent back to town. Any gold and ore not sent to town is lost upon death. Players can send gold and ore by finding and using a mine&nbsp;cart<sup><small>[Image&nbsp;needed]</small></sup> or by completing the game. All successfully claimed gold is taxed by the system described below.
*Thief [[Guild_Hall#Character_Titles|Class Title]]: +0%-(techinally infinite, depends on character title)%, see Class Titles for more info
 
*[[Items#cloak_of_many_pockets|Cloak of Many Pockets]]: +50%, (100% when attuned)
 
*[[Items#markhams_purse|Markham's Purse]]: +(# of items in inventory)%, (2% per item when attuned)
 
*[[Items#lucky_charm|Lucky Charm]]: +1 Luck, +10% gold gain (+2, +20% when attuned)
 
*NG+: +(20*NG_Level)%
 
*[[Tavern|A Fool's Errand]]: +100% gold gain, HP regen set to 0
 
*When the player has a negative fortune from the [[Fountain]], they gain +5% per negative fortune
 
  
Other Gold sources:
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=== Tax rate ===
*The Stones of Midas [[Items#Sets|Set effect]], +2 gold on kill
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The town of Hammerwatch taxes all players for its services, taking a part of all the gold players send back to town. The tax rate grows as a player's total gold, both stored and held, increases. The more gold a player possesses at one time, the less they earn. Spending gold reduces the effects of taxation.
*Gambling in the tavern. While you can technically gain gold, generally you will lose money
 
*[[File:PoP.png|link=]]The Arena, Upon completion of a match you will gain some gold and ore
 
  
== Tax Rate ==
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Note that ore is not taxed.  
Tax is calculated by the amount you have in town and on hand.<br>
 
However, the tax rate is reduced upon purchase of Treasury upgrades found in your town hall.<br>
 
In multiplayer, tax rates are calculated individually based on each player's individual Treasury level. The host’s Treasury level is NOT shared.<br>
 
The player will bring the most gold back to down by never depositing and successfully killing Thundersnow, as killing Thundersnow reduces the tax rate applied to that run's gold. However, this can be a large risk as dying means all gold and ore found is lost.<br>
 
  
For a level 1 Treasury, you will reach 50% tax at 10K gold<br>
+
The tax rate can be further reduced by purchasing treasury upgrades found in the player's [[Town Hall]]. These upgrades increase the amount of gold a player can earn and store. Players initially reach 50% tax rate (50% gold lost) at 10K gold. Purchasing upgrades increases this threshold:
Level 2 Treasury = 50% tax at 15K gold<br>
 
Level 3 Treasury = 50% tax at 20K gold<br>
 
Level 4 Treasury = 50% tax at 25K gold<br>
 
Level 5 Treasury = 50% tax at 30K gold<br>
 
  
Using the tax reduction [[Fountain]] fortune Offshore Accounts will increase the gold threshold by 4 times. For level 5 Treasury with Offshore Accounts fortune, 50% tax will be reached at 120K gold.
+
* Level 1 Treasury: 10K tax midpoint
 +
* Level 2 Treasury: 15K tax midpoint
 +
* Level 3 Treasury: 20K tax midpoint
 +
* Level 4 Treasury: 25K tax midpoint
 +
* Level 5 Treasury: 30K tax midpoint
  
If you defeat the final boss, your gold and ore will be sent back to town as if you had used an elevator, but the gold threshold is multiplied by 2. This stacks multiplicatively with Offshore Accounts for a total of 8x.
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In multiplayer, each player is subject to their own town's treasury level. The host’s treasury level is ''not'' shared.
  
 +
The tax midpoint can be multiplied by various sources:
 +
* Offshore Accounts [[Fountain]] fortune: 4x tax midpoint
 +
* Papers of Nobility item: 1.25x tax midpoint
 +
* Defeating the final boss: 2x tax midpoint
  
The process for calculating the actual tax rate is complicated. When you deposit, your gold is effectively taxed in packets of 250g at a time. The tax formula is (1-(1/(1+(gold in town/tax midpoint)))), applied to each packet. The total amount taxed by the end of this process is represented by the tax rate displayed in-game. The takeaway is that using elevators multiple times yields the same overall tax rate as using just one.
+
==== Beating the game ====
 +
Defeating the final boss will double the tax midpoint as previously mentioned, then send all carried gold and ore to town. Players may choose to risk any or all of their held riches by keeping them until the end of the game.  
 +
* The maximum tax midpoint multiplier is 10x, yielding a 300K tax midpoint at max treasury level.
 +
 
 +
=== Other acquisition methods ===
 +
* Players can [[Tavern|gamble]] in the town tavern after rescuing the thief from the [[Acts|prison]].
 +
* [[File:PoP.png|link=]][[Pyramid of Prophecy]] DLC: Completing the [[arena]] awards an amount of gold and ore increasing with difficulty.
 +
 
 +
== Multiplayer and pickups ==
 +
Gold and ore pickups in multiplayer are awarded fully to all members. Note that individual bonus multipliers to gold or ore gain will cause amounts between players to differ.
 +
* Example: when picking up 100 gold, a player with a +20% gold gain will receive 120 gold, whereas a player with no bonus gold gain will receive 100 gold.
 +
* The same principle applies to bonuses to ore gain.
  
== Money Pickup Base Values ==
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=== Gold pickup base values ===
 
{| class="wikitable" style="text-align:center;"
 
{| class="wikitable" style="text-align:center;"
!colspan="12"|Gold table
+
!colspan="12"|Gold pickup base values
 
|-
 
|-
 
!Image||Gold Value||Image||Gold Value||Image||Gold Value||Image||Gold Value||Image||Gold Value||Image||Gold Value
 
!Image||Gold Value||Image||Gold Value||Image||Gold Value||Image||Gold Value||Image||Gold Value||Image||Gold Value
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|{{#sprite:file=File:Golditemsnew.png|column=8|row=0}}||style="text-align:center;"|42
 
|{{#sprite:file=File:Golditemsnew.png|column=8|row=0}}||style="text-align:center;"|42
 
|}
 
|}
 +
 +
Note that there is only one style of ore pickup, which has a base value of 1 ore.
 +
 +
== Gold bonuses ==
 +
==== From items ====
 +
* [[Items#cloak_of_many_pockets|Cloak of Many Pockets]]: +50% gold gain, (100% when [[attuned]])
 +
* [[Items#markhams_purse|Markham's Purse]]: +1% gold gain per item in inventory, (2% per item when [[attuned]])
 +
* [[Items#lucky_charm|Lucky Charm]]: +1 Luck, +10% gold gain (+2 Luck, +20% gold gain when [[attuned]])
 +
* The Stones of Midas [[Items#Sets|Set effect]]: +2 gold on kill
 +
 +
==== From other sources ====
 +
* [[New Game Plus]]: +(20*NG_Level)% (ex. NG+2 –> +40% gold gain)
 +
* Thief [[Guild_Hall#Character_Titles|character title]]: Obtaining achievements with the [[thief]] class awards additional gold gain.
 +
** See [[Guild_Hall#Character_Titles|Character Titles]] for specifics.
 +
* A Fool's Errand [[tavern]] drink: +100% gold gain, HP regen set to 0
 +
* [[Fountain]]: Each level of negative fortune in the fountain adds +5% to gold and experience gain.
  
 
== Ore [[File:OrePickup.jpg|25px|frameless]]==
 
== Ore [[File:OrePickup.jpg|25px|frameless]]==
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Ore gain sources (Additive):
 
Ore gain sources (Additive):
*[[Items#shaftlocke_pickaxe|Shaftlocke Pickaxe]]: +50% (+100% when attuned)
+
* [[Items#shaftlocke_pickaxe|Shaftlocke Pickaxe]]: +50% (+100% when attuned)
*[[Items#markhams_stone|Markham's Stone]]: +2*(# items in inventory)% (+4% per item when attuned)
+
* [[Items#markhams_stone|Markham's Stone]]: +2*(# items in inventory)% (+4% per item when attuned)
*NG+: +(20*NG_Level)%
+
* NG+: +(20*NG_Level)%
*[[Tavern|Miner's Delight]]: +100% Ore gain, -75% gold gain
+
* Miner's Delight [[tavern]] drink: +100% Ore gain, -75% gold gain
  
 
Other Ore sources:
 
Other Ore sources:
*[[File:PoP.png|link=]]The Arena, Upon completion of a match you will gain some gold and ore
+
* [[File:PoP.png|link=]][[Pyramid of Prophecy]] DLC: Completing the [[arena]] awards an amount of gold and ore increasing with difficulty.
 +
 
 +
== Trivia ==
 +
=== Tax Calculation ===
 +
The process for calculating the actual tax rate is complicated. When you deposit, your gold is effectively taxed in packets of 250g at a time. The tax formula is (1-(1/(1+(gold in town/tax midpoint)))), applied to each packet. The total amount taxed by the end of this process is represented by the tax rate displayed in-game. The takeaway is that using elevators multiple times yields the same overall tax rate as using just one.
  
 
<center>{{Template:BaseNav}}</center>
 
<center>{{Template:BaseNav}}</center>

Latest revision as of 17:22, 26 March 2020

Heroes of Hammerwatch has two kinds of money: Gold and Ore. Gold is used for purchasing character upgrades from most vendors in town, and also for buying items from the General Store. Ore is used to expand the player's town, unlocking new features including higher stages of upgrades for gold purchase. Ore can also be bought or sold by the Ore Trader at an 80% exchange rate.

Acquisition

Gold and ore are primarily obtained by exploring dungeons, during which these riches must be sent back to town. Any gold and ore not sent to town is lost upon death. Players can send gold and ore by finding and using a mine cart[Image needed] or by completing the game. All successfully claimed gold is taxed by the system described below.

Tax rate

The town of Hammerwatch taxes all players for its services, taking a part of all the gold players send back to town. The tax rate grows as a player's total gold, both stored and held, increases. The more gold a player possesses at one time, the less they earn. Spending gold reduces the effects of taxation.

Note that ore is not taxed.

The tax rate can be further reduced by purchasing treasury upgrades found in the player's Town Hall. These upgrades increase the amount of gold a player can earn and store. Players initially reach 50% tax rate (50% gold lost) at 10K gold. Purchasing upgrades increases this threshold:

  • Level 1 Treasury: 10K tax midpoint
  • Level 2 Treasury: 15K tax midpoint
  • Level 3 Treasury: 20K tax midpoint
  • Level 4 Treasury: 25K tax midpoint
  • Level 5 Treasury: 30K tax midpoint

In multiplayer, each player is subject to their own town's treasury level. The host’s treasury level is not shared.

The tax midpoint can be multiplied by various sources:

  • Offshore Accounts Fountain fortune: 4x tax midpoint
  • Papers of Nobility item: 1.25x tax midpoint
  • Defeating the final boss: 2x tax midpoint

Beating the game

Defeating the final boss will double the tax midpoint as previously mentioned, then send all carried gold and ore to town. Players may choose to risk any or all of their held riches by keeping them until the end of the game.

  • The maximum tax midpoint multiplier is 10x, yielding a 300K tax midpoint at max treasury level.

Other acquisition methods

  • Players can gamble in the town tavern after rescuing the thief from the prison.
  • PoP.pngPyramid of Prophecy DLC: Completing the arena awards an amount of gold and ore increasing with difficulty.

Multiplayer and pickups

Gold and ore pickups in multiplayer are awarded fully to all members. Note that individual bonus multipliers to gold or ore gain will cause amounts between players to differ.

  • Example: when picking up 100 gold, a player with a +20% gold gain will receive 120 gold, whereas a player with no bonus gold gain will receive 100 gold.
  • The same principle applies to bonuses to ore gain.

Gold pickup base values

Gold pickup base values
Image Gold Value Image Gold Value Image Gold Value Image Gold Value Image Gold Value Image Gold Value
1
3
5
50
250
1000
5
13
27
100
500
2500
10
25
42

Note that there is only one style of ore pickup, which has a base value of 1 ore.

Gold bonuses

From items

From other sources

  • New Game Plus: +(20*NG_Level)% (ex. NG+2 –> +40% gold gain)
  • Thief character title: Obtaining achievements with the thief class awards additional gold gain.
  • A Fool's Errand tavern drink: +100% gold gain, HP regen set to 0
  • Fountain: Each level of negative fortune in the fountain adds +5% to gold and experience gain.

Ore OrePickup.jpg

Ore gain is calculated individually, just like gold. Each ore found in the tower is worth 1 ore, but with multipliers can give more.
Ore is not taxed however, so it is a great way to bring money back to your town once everything is upgraded.

Ore can be used to upgrade a player's town, crafted into items at the Magic Anvil with Blueprints, and bought or sold at the Ore Trader.

Ore Trader prices:

Price for buying ore Price for selling ore
Tier 1 1500G 200G
Tier 2 1250G 350G
Tier 3 1000G 500G
Tier 4 800G 700G

Ore gain sources (Additive):

  • Shaftlocke Pickaxe: +50% (+100% when attuned)
  • Markham's Stone: +2*(# items in inventory)% (+4% per item when attuned)
  • NG+: +(20*NG_Level)%
  • Miner's Delight tavern drink: +100% Ore gain, -75% gold gain

Other Ore sources:

Trivia

Tax Calculation

The process for calculating the actual tax rate is complicated. When you deposit, your gold is effectively taxed in packets of 250g at a time. The tax formula is (1-(1/(1+(gold in town/tax midpoint)))), applied to each packet. The total amount taxed by the end of this process is represented by the tax rate displayed in-game. The takeaway is that using elevators multiple times yields the same overall tax rate as using just one.