Which point-buy costs does this use?
Scores 8–18 use the Dungeon Master's Guide / SRD table (8 costs 0, 15 costs 8, 16 costs 10, 17 costs 13, 18 costs 16). Scores above 18 use a house curve of +4, +4, +5, +5 per point.
Point Buy Calculator
DMG 8–18 costs (refunds below 8, house curve above 18). Share presets via the URL, for example ?points=32&min=8&max=18.
How it works
Why do scores below 8 refund points?
The official table starts at 8. House refunds below that are: 7 costs −1, 6 costs −2, 5 costs −4, 4 costs −6, and 3 costs −8. That lets weaker dump stats free up points without changing the 8–18 costs.
Do age adjustments cost points?
No. Age effects apply after purchase for display only, using the Player's Handbook cumulative totals (middle, old, venerable). They do not change the point total spent.
How do I share a point-buy preset with players?
Set Points, Min, and Max. The URL always includes points, min, and max (default /tools/point-buy?points=28&min=8&max=22). Copy the address bar and send it; ability scores and aging stay local to each browser session.