Money - Heroes of Hammerwatch wiki (2024)

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 minecart^{[Imageneeded]} 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 host's treasury level.

Tax Calculator: https://themadsword.github.io/hoh-taxcalc.html

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.
• 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.

Gold pickup base values

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

Gold bonuses

From items

• Cloak of Many Pockets: +50% gold gain, (100% when attuned)
• Markham's Purse: +1% gold gain per item in inventory, (2% per item when attuned)
• Lucky Charm: +1 Luck, +10% gold gain (+2 Luck, +20% gold gain when attuned)
• The Stones of Midas Set effect: +2 gold on kill

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.
  • See 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

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 and Statues, crafted into items at the Magic Anvil with Blueprints, and bought or sold at the Ore Trader.

Ore Trader prices:

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:

• 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.

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