Living Standards & Credit Rating
Source: Call of Cthulhu 7th Edition Investigator’s Handbook
7e Official
Rule Summary
The 6 economic tiers from Penniless to Rich, daily cash allowances, and asset calculations in Call of Cthulhu 7th Edition.
Quick Reference Check:
CR 0: Penniless | 1-9: Poor | 10-49: Average | 50-89: Good | 90-98: Wealthy | 99: Rich
### Living Standard Tiers
In Call of Cthulhu 7e, an investigator's **Credit Rating** dictates their daily spending money, ready cash, and capital assets:
| Tier | Credit Rating | Cash on Hand | Assets Multiplier | Lifestyle & Living Conditions |
|---|---|---|---|---|
| **Penniless** | 0 | $0.50 | $0 | Homeless, vagrant, relying on soup kitchens and begging. |
| **Poor** | 1–9 | CR × $1 ($1–$9) | CR × $10 ($10–$90) | Cheap tenements, shared boarding rooms, public transit, simple workwear. |
| **Average** | 10–49 | CR × $2 ($20–$98) | CR × $50 ($500–$2,450) | Modest apartment or small bungalow, Model T Ford, decent suits, secure meals. |
| **Good** | 50–89 | CR × $5 ($250–$445) | CR × $500 ($25k–$44.5k) | Fine suburban home, quality sedan, tailor-made clothes, domestic servant. |
| **Wealthy** | 90–98 | CR × $20 ($1,800–$1,960) | CR × $2,000 ($180k–$196k) | Country estate, luxury townhome, Packard/Cadillac, private chauffeur, club memberships. |
| **Rich** | 99 | $50,000 | $5,000,000+ | Vast industrial dynasty, private yacht, multiple estates, limitless influence. |