Resources

Introducing CK3 #07 - Money. Havoc teaches you how to get more money in CK3!

There are four important resources which are necessary for most actions in the game: Gold, Prestige, Piety and Renown. Each resource can be spent on different things and all of them can be spent or gained through events. With the exception of Gold, each resource also accrues towards a secondary resource—Fame, Devotion and Splendor, respectively—which rarely decreases and provides smaller passive benefits.

Gold

Gold is a measure of a character's wealth reserves. Most rulers start the game with Gold equal to 12 months of income.

Debt

Debt occurs when a character has negative Gold. During Debt, characters cannot declare war, their Counties can always acquire Corruption, their Men-at-Arms cannot reinforce and they can experience various negative events. In addition, Debt grants increasingly negative modifiers the longer it goes on.

Years in Debt	Levy Size	Levy Reinforcement Rate	Development Growth	Vassal Opinion	County Opinion	Advantage	Join Faction Acceptance
0	−10%	−10%	−10%	−5	−5	−5	+10
1	−20%	−20%	−20%	−10	−10	−10	+20
2	−30%	−30%	−30%	−15	−15	−15	+30
3	−40%	−40%	−40%	−20	−20	−20	+40
4	−50%	−50%	−50%	−25	−25	−25	+50
5	−50%	−50%	−50%	−30	−30	−30	+60
10	−90%	−90%	−90%	−50	−50	−50	+70

Income

Monthly gold income comes from multiple sources.

Domain tax is generated by a character's personal holdings. The holder of the barony receives all of the barony's domain tax. It can be increased by the following:

• Character's Stewardship skill (+2% per level)
• Buildings
• Collect Taxes council task (+0.5% per Stewardship level)
• County development (+0.5% per level)

Vassal tax is given to a title holder's direct liege. The amount given depends on the vassal's obligations:

• Castles are limited to normal obligations, giving 10% of their domain tax to the liege.
• Cities are held by republics, who provide 20% taxes.
• Vassal Feudal counts, dukes and kings provide tax based on their individual vassal contracts.
  • Vassal Clan counts, dukes and kings provide tax based on their opinion, with the minimum amount determined by crown authority.
• Churches are taxed according to the Clerical Tradition doctrine of the faith.
  • Lay Clergy: churches function identically to castles.
  • Theocratic: churches are held directly by a Realm Priest and are taxed under the following system: Realm Priests receive vassal income at a rate of 25% from Realm Priests belonging to their liege's direct vassals. They also provide up to 50% of their income from directly-controlled churches and their vassal priests to their feudal liege, scaled based on opinion.

The taxable income of feudal vassals (count/duke/king) is their own domain tax, as well as vassal tax from their own vassals. If the vassal receives income from a Realm Priest, this income is not included as taxable income.

Prestige

Prestige represents the amount of political capital, social influence and goodwill a character is able make use of at any given time. Holding titles, specially of higher rank, as well as the Diplomacy skill are the main continuous sources of Prestige, but many events can generate it on occasion as well. Prestige can be spent on most secular matters of realm of management, such as vassal interactions, decisions and declarations of non-holy war.

Level of Fame

Prestige's secondary resource is Fame, which represents the character's general reputation over their entire life. Each time a character gains Prestige, they gain the same amount of Fame; battles fought in secular wars will also net Fame. As Fame accrues, it will increase progress towards the character's next Level of Fame, which grants various benefits. Since Fame is meant to merely accumulate, not spent, it rarely decreases, but particularly dishonorable acts can cost Levels of Fame. A character who lacks the Prestige to declare a secular war can also opt to spend Fame, at an inflated price.

Level of fame	Feudal secular opinion	Tribal secular opinion	Knights	Tribal Vassal Tax	Tribal Vassal Levies	Max conquest CB rank	Adopt Feudal / Clan Ways	Custom Kingdoms	Custom Empires	Fame
Disgraced	−10	−10	−1	0%	0%	None				0
Established	0	0	0	8%	15%	County				1000
Distinguished	+5	+3	+1	16%	30%	County				2000
Illustrious	+10	+5	+2	24%	45%	Duchy				4000
Exalted among Men	+20	+10	+3	32%	60%	Kingdom				8000
The Living Legend	+30	+20	+4	40%	75%	Kingdom				16000

Piety

Piety is a measure of how virtuous a character is in the eye of others and is gained primarily from religious relations and the character's  Learning skill and traits that its Faith considers virtues. Piety is spent when interacting with the church and declaring holy wars. The icon displayed for representing piety depends on the character's religion.

Monthly piety

The table below shows available sources of monthly piety. Note that these are value gains; for percentage effects, see the table on factors.

Source	Monthly piety
Learning skill	+0.1 per level
Reincarnation trait	+1
Humble trait	+0.5
Celibate trait	+1
Devoted trait	+0.3
Saint trait (unobtainable)	+2
Is Court Chaplain	+1 if liege is Duke +2 if liege is King +3 if liege is Emperor
Religious Relations council task	+0.05 per Learning skill
Theology focus	+1
Has a virtuous trait	+1 Monthly piety times the virtue's multiplier per virtue
Has a sinful trait	-1 Monthly piety times the sin's multiplier per sin
Grand Cathedral	+0.25
Grand Mosque	+0.25
Grand Temple (pagan) Grand Temple (Indian) Grand Temple (other faiths)	+0.25
Mahabodhi Temple	+1
Imam Ali Mosque	+1
Great Mosque of Mecca	+1
Great Mosque of Cordoba	+0.5
Great Mosque of Djenne	+1
Great Mosque of Samarra	+0.3
Canterbury Cathedral	+0.3 base +0.2 per powerful vassal on the council
Prophetic Mosque	+0.5
Notre Dame	+1
Brihadeeswarar Temple	+0.2
Shwedagon Pagoda	+0.5
Hagia Sophia	+0.1 per knight
Hall of Heroes	+0.1
Monasteries
Ritual Hospitality tenet	+0.3 per powerful vassal on the council
Braslau holy site	+0.1 per knight
Is head of faith	+1
Polygamous marriage doctrine
Prophetic Visions modifier ( Possessed trait)
Steward of the Sacred River modifier ( Take Stewardship of the Sacred River decision)
Cologne Cathedral	+0.1 per knight
Halq modifier ( Undertake the Hajj)	+5
Various events

Factors affecting monthly piety

The following table shows factors affecting the gain of monthly piety as a percentage effect. For value additions to monthly piety, see the table above

Source	Monthly piety
Cologne Cathedral	+15%
Buddhas of Bamiyan	+10%
Ananda Temple	+5%
Temple City	+5% per powerful vassal on the council
The Third Temple / Dome of the Rock	+3%
Reconquista innovation	+10%
Divine Right innovation	+10%
Ordained Rulership (Second tier of Erudition legacy)	+10%
Prophet perk (Theologian tree)	+1% per knight
Defender of Faith perk (Theologian tree)	+20% if faith is Pluralist
Sculptor's Workshop Investment modifier (A Word of Advice event)
Great Sculptor's Workshop Investment modifier (A Word of Advice event)
Earthly Focus modifier (Scholarship lifestyle event)
Clerical Guidance modifier (Commision Epic decision)
Related to Wisdom modifier (Sell Minor Titles decision)
Excommunication Recently Lifted
Crusading House modifier (house beneficiary won Crusade)
House of the Mujahid modifier (house beneficiary won Jihad)
Holy Warriors modifier (house beneficiary won Great Holy War)
Saoshyant Resurgent modifier (Become the Saoshyant decision)
Devotee of Hayagriva modifier (Determine Bhakti decision)
Jerusalem holy site	+20%
Dwin holy site	+5%
Armagh holy site	+5%
Mecca holy site	+2% per knight
Lalish holy site	+20%
Ayodhya holy site	+1% per knight
Palitana holy site	+10%
Maowün holy site	+1% per knight
Rebgong holy site	+2% per powerful vassal on the council
Takht-e Soleyman holy site	+10%
Uppsala holy site	+1% per knight
Raivola holy site	+2% per powerful vassal on the council
Kiev holy site	+10%
Olvia holy site	+10%
Kabul holy site	+5%
Multan holy site	+5%
Lhasa holy site	+20%
Kukiya holy site	+1% per knight
Ife holy site	+20%
Harar holy site	+10%
Theologian trait	+20%
Cynical trait	−20%
Zealous trait	+20%
Pilgrim trait	+10%
Excommunicated trait	−50%
Stuffed Corpse modifier (Mental break event)
Church and State perk (Theologian tree)	+100% from buildings if faith has Lay Clergy
Divine Protection modifier ( Go on a Pilgrimage)	+5%
Dedicated Pilgrim modifier ( Go on a Pilgrimage)	+10%
Determined Pilgrim modifier ( Go on a Pilgrimage)	+2.5% per knight

Level of devotion

Each time a character gains piety, they will also gain devotion, which gives progress towards their next level of devotion. Like the levels of fame above, each level of devotion grants various benefits. A character will lose a level of devotion if they are caught doing something their faith doctrines consider shunned. A character can pay a piety cost with devotion if they don't have enough piety. Generated characters and those at the game start begin with the Dutiful level.

Icons	Level of devotion	Clergy Opinion	Theocracy Vassal Tax	Theocracy Vassal Levies	Max Holy War objective rank	Create Holy Orders	Consecrate bloodline	Required piety
	Sinner	−10	0%	0%	None			0
	Dutiful	0	15%	10%	County			1000
	Faithful	+5	25%	20%	Duchy			1500
	Devoted Servant	+10	35%	30%	Duchy			2500
	Paragon of Virtue	+20	45%	40%	Kingdom			4500
	Religious Icon	+30	55%	50%	Kingdom			8500

Renown

Renown is a resource accumulated by a Dynasty and is used for the most powerful Dynasty Head interactions, unlocking Dynasty Legacies and increasing a Dynasty's level of Splendor. Each living Dynasty member will add Renown to the Dynasty, and Prestige to its Dynasty Head and House Head. Renown can also be gained by marrying to a Ruler of a different Dynasty.

Title rank	Renown	Dynasty Head Prestige	House Head Prestige	Marriage Renown
None (stacks with title bonuses)	+0.02	+0.01	+0.02	0
Baron	+0.12	+0.01	+0.02	+0.1
Count	+0.25	+0.02	+0.04	+0.2
Duke	+0.5	+0.03	+0.06	+0.4
King	+1	+0.04	+0.08	+0.8
Emperor	+2	+0.5	+0.1	+1.6

Renown gain is capped at +2 for total non-ruler house members (100 members). Dynasty Head Prestige gain is capped at +3. House Head Prestige gain is capped at +5. Rulers will not add Renown to their Dynasty if any Liege is a member of the same Dynasty.

Level of Splendor

Firstly, all renown earned by a Dynasty counts towards its Level of Splendor, which determines how well-known the Dynasty is in the eyes of the world, how much Prestige characters get from being born or marrying into it, the maximum long reign Opinion characters can get and how decorated the Dynasty's coat of arms will be. Having a high level also makes it much easier to arrange marriages, especially with Dynasties with a Lower Level of Splendor. The Level of Splendor will only decrease if a player character attempts suicide. Peasant Dynasties start at Base Origins.

Level of Splendor	Birth Prestige	Marriage Prestige	Max Long Reign Opinion	Max level for guest Congenital traits	Required renown
Base Origins	0	-100	+5	1	0
Obscure	+100	0	+10	1	300
Insignificant	+200	+100	+15	1	1000
Noteworthy	+300	+200	+20	2	2000
Reputable	+400	+300	+25	2	4000
Well-known	+500	+400	+30	2	7000
Significant	+600	+500	+35	2	11000
Famous	+700	+600	+40	3	16000
Glorious	+800	+700	+45	3	22000
Fabled	+900	+800	+50	3	29000
Legendary	+1000	+900	+55	3	37000

References

Mechanics