Frequently Asked Questions

Find answers to the most common questions about D&D 5e point buy character creation. Can't find what you're looking for? Contact us for help.

Can I go below 8 or above 15 in point buy?

No, the point buy system strictly limits ability scores to between 8 and 15 before applying racial bonuses. This ensures balanced character creation across all players. The 8 minimum represents below-average ability, while 15 represents exceptional natural talent before training and racial heritage.

How much does it cost to raise an ability from 8 to 15?

Raising an ability from 8 to 15 costs 9 points total. Here's the breakdown: 8→9 (1 point), 9→10 (1 point), 10→11 (1 point), 11→12 (1 point), 12→13 (1 point), 13→14 (2 points), 14→15 (2 points). The increased cost for scores 14 and 15 reflects the difficulty of achieving truly exceptional abilities.

Should I always maximize my primary ability to 15?

Usually, yes. Your primary ability affects your most important class features: spellcasting for casters, attack rolls for martial classes, and key class abilities. However, some builds benefit from a more balanced approach, especially if you're playing a support character or need multiple abilities for your concept.

What's the best point buy array for a new player?

The array 15, 14, 13, 12, 10, 8 is excellent for beginners. It provides a strong primary ability (15), good secondary ability (14), and decent scores elsewhere. This build works well for any class and teaches good point allocation principles without creating major weaknesses.

Do racial bonuses count toward the 15 point limit?

No, racial ability score improvements are applied after point buy allocation. You can have 15 in an ability from point buy, then add racial bonuses to potentially reach 17 at character creation. For example, a High Elf wizard can have 15 Intelligence from point buy, then add +2 racial bonus for 17 total.

Is it worth putting points into Constitution for every character?

Yes, Constitution affects hit points and concentration saves, making it valuable for every character. Most builds should have at least 13-14 Constitution. Even characters who rarely concentrate on spells benefit from the extra hit points and better death saving throws.

Can I change my point buy allocation after character creation?

No, point buy allocation is permanent once your character is created. However, you can improve ability scores through Ability Score Improvements at certain levels (4th, 8th, 12th, 16th, and 19th for most classes) or through certain magic items that increase ability scores.

How do I decide between two 15s or 15-14-13?

Two 15s work well for classes that rely heavily on two abilities (like Paladins with Strength and Charisma, or Rangers with Dexterity and Wisdom). The 15-14-13 spread is more versatile and usually includes better Constitution. Consider your class's multiclassing requirements and secondary features when deciding.

What happens if I don't use all 27 points?

There's no benefit to saving points—unused points are simply lost. Always spend all 27 points for the strongest possible character. If you're unsure where to put remaining points, consider boosting Constitution, Dexterity for initiative, or Wisdom for Perception.

Should I avoid odd ability scores?

Generally, yes. Ability modifiers only change at even scores (10-11 both give +0, 12-13 both give +1). However, odd scores can be valuable if racial bonuses will make them even, or if you're planning specific feats that provide ability score increases.

Can I use point buy with variant rules like starting at higher level?

Yes, point buy works with any starting level. Some DMs may provide additional points for higher-level starts, but the basic allocation method remains the same. Always check with your DM about any house rules or modifications to the standard point buy system.

How does point buy compare to rolling for stats?

Point buy guarantees balanced characters—no one gets extremely high or low stats through luck. Rolling can create more powerful characters but also risks very weak ones. Standard array (15, 14, 13, 12, 10, 8) splits the difference, providing the same result for every player.

What if my DM allows different point totals?

Some DMs modify the 27-point pool for grittier (lower points) or more heroic (higher points) campaigns. Our calculator allows you to adjust the point pool. Common variants include 25 points for grittier games or 32 points for more powerful characters.

How do custom lineage and Variant Human work with point buy?

Both Custom Lineage (from Tasha's) and Variant Human provide +1 to two different abilities of your choice, plus a free feat. This flexibility makes them excellent choices for point buy, as you can boost your most important abilities regardless of the race's traditional bonuses.

Should I ever dump a stat to 8?

Sometimes, yes. Having an 8 in a less important ability allows you to strengthen crucial ones. Intelligence is often safe to dump for non-wizards, while Charisma can be low for characters who don't use social skills. However, consider the narrative implications—very low stats should reflect your character's personality and background.