Point Buy Calculator - TTRPG Character Stat Generation
Fast, accurate 27-Point Buy calculator for 5th Edition gameplay. Seamlessly calculate ability costs scaling, track remaining points, and instantly view the final attribute modifiers taking flexible or custom racial lineage bonuses into account.
Last updated: February 23, 2026
Need a different point allowance (e.g. 30pt heroic, Pathfinder array)? Request module expansion here
Standard Point Costs:
Common Point Buy Builds
Base Stats
15, 14, 13, 12, 10, 8
Exactly consumes all 27 points. Recommended for new players who want clear strengths and one manageable weakness.
Base Stats
15, 15, 15, 8, 8, 8
Costs exactly 27 points. Maximizes early game damage/survival, at the cost of failing saving throws in dump stats.
Base Stats
13, 13, 13, 12, 12, 12
Consumes 27 points. Perfect for classes that want a high baseline like Bards, or builds utilizing multiple half-feats.
The Mechanics Behind The 27-Point System
When configuring a build via the Point Buy Calculator, you must balance how drastically you push for a +3 Starting Modifier (+3 requires a 16+ stat, achieved strictly by buying a 14 or 15 base and adding racial bonuses). A 15 base score drains a massive 33% (9 points) of your entire point budget.
The Non-Linear Cost Curve
Understanding the penalty matrix is key to a robust character sheet:
Purchasing 12 → 13 : Costs +1 PointPurchasing 13 → 14 : Costs +2 PointsPurchasing 14 → 15 : Costs +2 PointsBecause of this penalty threshold at stat 14, acquiring a base pair of 15s leaves you scraping by with 8s and 9s across the rest of the board. Evaluate if your tabletop class is Single Attribute Dependent (SAD), like a Rogue, or Multiple Attribute Dependent (MAD), like a Paladin, before blindly buying 15s.
Example Character: The Half-Elf Warlock
Purchased Base Stats:
- STR: 8 (Cost: 0 pts)
- DEX: 14 (Cost: 7 pts)
- CON: 13 (Cost: 5 pts)
- INT: 10 (Cost: 2 pts)
- WIS: 12 (Cost: 4 pts)
- CHA: 15 (Cost: 9 pts)
Applying Flexible Racial Bonus:
- Select "Flexible (+2 and +1)" origin
- Assign +2 to Charisma (Primary spellcasting stat)
- Assign +1 to Constitution (Evening out a 13 to an even 14 for hit points)
Final Block: 8 STR, 14 DEX (+2), 14 CON (+2), 10 INT (0), 12 WIS (+1), 17 CHA (+3)
This optimization secures a vital +3 CHA Spell save DC, protects concentration & AC with solid DEX/CON, and leaves room for a "Half-Feat" (like Fey Touched) at Level 4 to bump the 17 CHA to 18!
Frequently Asked Questions
Share With Your Table
Send this to your player group before Session Zero to ensure everyone's character sheets are mathematically sound.
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