Treasure Hoard Generator

Party Size scales the hoard itself (via Party Size divided by 4) on the theory that a larger party facing the same Challenge Rating Tier should walk away with more total loot, not just a thinner slice of a fixed pile. Per Player Share then divides that already-scaled Total Hoard Value by the same Party Size again, so growing the party raises the total pot but doesn't necessarily raise -- or lower -- what any individual player receives, depending on how the two effects balance out.

The gold value assigned to gems is a fixed 25% of Total Hoard Value regardless of Challenge Rating Tier, but Gems (the piece count) divides that gold value by a typical per-gem value that rises steeply with tier -- from 10 gp gems at the lowest tier up to 5,000 gp gems at the legendary tier. That's why doubling the tier can produce a dramatically different gem count even when the gold value assigned to gems moved by a smaller factor.

No. Generosity Multiplier scales Total Hoard Value up or down as a whole, and the 40% coins, 25% gems, 15% art, and 20% magic item shares are calculated from that already-scaled total -- so the proportional split stays fixed no matter how generous or stingy the multiplier is set. A generosity setting of 2.0 doubles every category's gold value together rather than shifting the balance toward any one category.

The DMG's actual Individual Treasure and Treasure Hoard tables involve rolling dice across multiple sub-tables for coins, gems, art objects, and magic items, which produces a wide range of outcomes for the same Challenge Rating. This calculator instead applies a single deterministic average per tier so you get a fast, repeatable planning number -- useful for budgeting a campaign's overall treasure pacing, but expect any individual rolled hoard at the table to vary from this estimate.