TFT Economy Guide: Interest, Streaks, Level or Roll

The economy in Teamfight Tactics is the art of spending gold at the right moment. Every round you earn gold, and every round you choose: save it to earn more, spend it on experience to level up, or spend it on rolling the shop for better champions. Players who manage this well have stronger boards when it matters, and players who spend randomly run out of gold just when they need it most.

Where your gold comes from

Each round you receive gold from several sources:

• Base income: a fixed amount every round.
• Interest: one extra gold for every ten gold you have saved, up to a cap. This has been part of TFT for a long time, and it is why players talk about reaching the cap.
• Streaks: winning or losing several rounds in a row adds bonus gold.
• Selling champions and some rewards along the way.

Interest is the part you control most. A player who sits at the cap earns several extra gold every round, which adds up to a lot over a game.

Win streaks and loss streaks

A streak gives bonus gold whether you are winning or losing:

• Win streaking with a strong early board earns gold and keeps your health high.
• Loss streaking on purpose, with a weak board, earns gold too, and lets you pick earlier in the shared draft. But every loss costs health.

Breaking a streak by alternating wins and losses gives you neither bonus. Many players decide early which way they are going and commit.

Level or roll?

You can spend gold in two main ways:

• Buying experience raises your level. A higher level means more champions on the board and better odds for stronger champions in the shop.
• Rolling refreshes the shop to find specific champions, often to upgrade them to two or three stars.

The question every round is which one helps your board more right now. Some guidelines:

• Levelling helps when your board is stable and you want stronger champions later.
• Rolling helps when you are close to upgrading key champions or your health is getting low.
• Doing both in small amounts every round often wastes gold.

Two classic plans

Fast level

Save gold early, keep high interest, and level up quickly to a high level. There, roll for strong, expensive champions. This plan suits boards built around high-cost champions and relies on a healthy economy and enough health to survive the early rounds.

Reroll

Stay at a lower level and roll repeatedly for low-cost champions, aiming to make them three-star. Players often keep their gold above the interest cap and only spend what is above it, rolling slowly over several rounds. This plan suits boards built around low-cost champions that become very strong at three stars.

Neither plan is always better. The shop, your items and what other players are building decide which works in each game.

Reading the lobby

Look at other players' boards:

• If several players want the same champions as you, those champions will be harder to find. Consider switching plans.
• If no one is building what you have, a reroll plan for those champions becomes much easier.

When to spend everything

There are moments to stop saving:

• When your health is low and losing again could knock you out.
• Before a key stage where a stronger board will save you a lot of health.
• Late in the game, when gold left over at the end is wasted.

Gold has no value after you are eliminated. Spending it to place higher is always better than dying rich.

Common mistakes

• Rolling a little every round from the start, never reaching interest.
• Staying at the interest cap while losing every round with a weak board.
• Switching between a win streak and a loss streak.
• Dying with a lot of gold in the bank.

For the basics of the game, see our Teamfight Tactics beginner guide.

Frequent questions

How does interest work in TFT?

Saved gold earns extra gold each round, one for every ten saved, up to a cap.

When should I level up in TFT?

When your board is stable and you want more champions or stronger ones from the shop.

What does "reroll comp" mean?

A plan built around low-cost champions that you roll for at a low level to make them three-star.

Should I loss streak on purpose?

Sometimes, if your early board is weak. Remember it costs health, so have a plan to recover.

Riot Cash codes on Mas4Games

Gold in TFT is earned, never bought. If you want cosmetics, Mas4Games sells Riot Cash codes for Teamfight Tactics in lira for Riot accounts of the Türkiye region, redeemed in the game's own store. The code is shown on your order's page and sent by e-mail, and the help center has live support.