Description
Interest is extra gold paid at the end of each round for the gold you keep in the bank.
Read moreShow less about Interest
You earn it for every 10 gold you have banked. The cap is 5 by default.
Economy augments change it in two ways:
- Raise the cap, called max interest.
- Grant flat bonus gold "in interest" on top of the cap.
Listed in: Economy
Augments that grant or scale with Interest (7)
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Going Long Prismatic You no longer gain interest. Gain 10 gold now. Gain 4 XP after every player combat. Interest is extra gold you gain per 10g saved.
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Hedge Fund Prismatic Gain 22 gold. Your max interest is increased to 10.
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Investment Strategy II Prismatic Your champions gain 12 permanent max health per interest you earn. Your max interest is increased by 2. Gain 10 gold now.
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Capital Gains II Gold Store gold equal to the interest you earn. On 3-3, gain gold equal to 125% of the stored gold. Gain 3 gold now.
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Hustler Gold You no longer gain interest but gain 3 gold at the start of every player combat round. Gain 3 gold now. Interest is extra gold you gain per 10g saved.
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Your champions gain 9 permanent max health per interest you earn. Gain 6 gold now.
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Capital Gains I Silver Store gold equal to the interest you earn. On 3-3, gain gold equal to 100% of the stored gold. Gain 1 gold now.
Frequently asked questions
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How is interest calculated, and why is the cap 5?
You gain 1 bonus gold at round end for every full 10 gold in your bank, capped at 5.
- The cap is reached at 50 gold.
- Any gold beyond that earns nothing extra.
- Only your unspent gold counts.
- Bench value, board value, and item components are ignored.
Interest is computed from the bank you actually hold when the round resolves. It is not computed from the gold you will be paid this round.
Note: Streak gold and base income earned in the current round do not bump that round's interest. They roll into next round's calculation.
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Is interest paid at the start or the end of a round?
Mechanically, interest is read off your end-of-round bank, but it is credited as part of the next round's income.
That next-round income also carries base gold and any streak bonus. The wiki phrases it as "calculated before passive income". That means the interest amount is fixed by what you finished the previous round with. This round's flat income then lands on top.
Note: Selling a unit at the very end of a round to cross a 10-gold breakpoint still pays out. The bank is checked when the round resolves, not when the next round's income arrives.
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Does interest still pay during PvE rounds and Stage 1?
Yes. Interest pays out the same way after every round, PvP or PvE. That includes Stage 1's opening minion fights.
If you can scrape together 10 gold by the end of Stage 1-3, you start collecting +1 interest from Stage 1-4 onward. That works even if you field a tiny board and take the planned PvE losses.
Note: That is why "Open Fort" and similarly greedy openers sell down to a single unit on Stage 1-4. The lost board strength is small. The early interest tick compounds for the rest of the game.
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Do streak bonuses stack with interest, or do they cancel each other out?
They stack. Interest and streak bonuses are independent income streams, and both pay out each round.
- With a 5-loss streak you gain +2 streak gold.
- With a 6+ streak you gain +3.
- Both come on top of base income and full interest from your bank.
Note: The only subtle interaction is timing. Streak gold is credited as part of round income, so it does not retroactively raise this round's interest. You see the higher bank in next round's interest calculation.
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Does interest compound — do you earn interest on prior interest?
Yes, in the practical sense. Every gold you hold this round is gold you can earn interest on next round.
That holds no matter where the gold came from: base income, a streak bonus, or last round's interest payout.
The compounding shows up early in the climb (10 → 20 → 30 → 50). Each +1 interest tier accelerates how fast you reach the next one.
Once your bank reaches 50 and stays there, you just collect a flat +5 each round. The cap stops the curve from turning truly exponential. After 50 it is linear: roughly 35 bonus gold across 7 rounds of holding the cap.
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Why do players obsess over 50 gold instead of 49?
Because the interest tiers step in 10s, the gap between 49 and 50 is not 1 gold. It is 1 gold of interest every round you sit there.
Hold 49 across 7 rounds and you have left 7 gold on the table versus holding 50.
The same logic explains a common sell. Selling a 1-cost off your bench to push 49 up to 50 is often correct. That bench slot was costing you a tier of recurring income.
Note: Below 50, every 10-gold threshold you cross (10, 20, 30, 40) opens the next tier. So spending decisions are usually framed as "can I avoid dropping a tier?"
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When is it correct to spend below 50 and break interest?
When the gold buys something more valuable than the +1 to +5 future interest you forfeit.
Common right reasons:
- Stabilizing a board that is bleeding HP.
- Hitting a level timer your comp needs. Level 6 on 3-2, Level 7 on 4-1 and Level 8 on 5-1 are the standard windows.
- Preserving a win streak that would otherwise snap.
- Rolling a known-good window for a key carry.
Common wrong reasons:
- Rolling out of habit.
- Buying every 2-cost pair you see.
- Chasing an upgrade with no plan.
Note: "50 gold is a benchmark, not a religion". Break it on purpose.
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Can the 5-gold cap be raised, and what about effects that grant gold "in interest"?
Yes. Economy augments are the main way the default cap moves.
- Some grant a flat sum plus a permanent cap raise, for example to 7 or 10 instead of 5. Every additional 10 banked then turns into ongoing income.
- Others bypass the cap entirely. They pay flat bonus gold per round, labeled as interest.
Whenever an effect's text reads "max interest" or "in interest", assume it modifies this same system. The higher cap means saving past 50 keeps mattering. The flat bonuses stack with normal interest.
Note: Specific augments rotate set-to-set. Check the augment list for the active patch.