Description
Round-end gold earned per 10 gold banked, capped at 5 by default. Economy augments raise the cap (max interest) or grant flat bonus gold "in interest" beyond it.
Listed in: Economy
Augments (7)
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Going Long Prismatic You no longer gain interest. Gain 10 gold now. Round start: gain 4 XP. 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 8 permanent max health per interest you earn. Your max interest is increased by 2. Gain 8 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 1 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 8 permanent max health per interest you earn. Gain 4 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?
Round-end income includes 1 bonus gold for every full 10 gold sitting in your bank, capped at 5 — so the cap is reached at 50 gold and 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, not from the gold you'll be paid this round, so streak gold and base income earned in the current round don't 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 credited as part of the next round's income, alongside base gold and any streak bonus. The wiki phrases it as "calculated before passive income" — meaning the interest amount is fixed by what you finished the previous round with, before this round's flat income lands on top. The practical takeaway: selling a unit at the very end of a round to cross a 10-gold breakpoint still pays out, because 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, including Stage 1's opening minion fights. If you can scrape together 10 gold by the end of Stage 1-3 — even by fielding a tiny board and taking the planned PvE losses — you'll start collecting +1 interest from Stage 1-4 onward. That's why "Open Fort" and similarly greedy openers sell down to a single unit on Stage 1-4: the lost board strength is small, and 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 that both pay out each round. With a 5-loss streak you gain +2 streak gold, with a 6+ streak you gain +3, on top of base income and full interest from your bank. The only subtle interaction is timing: streak gold is credited as part of round income, so it doesn't retroactively raise this round's interest. You'll see the higher bank reflected 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, regardless of whether it came from base income, a streak bonus, or last round's interest payout. Once your bank reaches 50 and stays there, you're just collecting a flat +5 each round — the cap stops the curve from turning truly exponential. The compounding shows up early in the climb (10 → 20 → 30 → 50), where each +1 interest tier accelerates how fast you reach the next one. After 50, it's 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 isn't 1 gold — it's 1 gold of interest every round you sit there. Hold 49 across 7 rounds and you've left 7 gold on the table versus holding 50. The same logic explains why 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. 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's bleeding HP, hitting a level timer your comp needs (Level 6 on 3-2, Level 7 on 4-1, Level 8 on 5-1 are the standard windows), preserving a win streak that would otherwise snap, or rolling a known-good window for a key carry. Wrong-reasons: rolling out of habit, buying every 2-cost pair you see, or chasing an upgrade with no plan. "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 (e.g., to 7 or 10 instead of 5), turning every additional 10 banked into ongoing income; others bypass the cap entirely by paying flat bonus gold per round labeled as interest. Whenever an effect's text reads "max interest" or "in interest," assume it's modifying this same system: the higher cap means saving past 50 keeps mattering, and the flat bonuses stack with normal interest. Specific augments rotate set-to-set; check the augment list for the active patch.