A Tabletop RPG App for Game Masters
Somewhere between "everyone tracks their own gold on a character sheet" and "the GM manages twelve NPC bank accounts in a spreadsheet," there's a better way to run money in a modern campaign. LarpBank turns your tabletop RPG's economy into something players can actually hold and look at.
Every long-running modern or near-future tabletop campaign eventually hits the same wall: money matters to the story, but tracking it is nobody's idea of fun. A shared spreadsheet gets stale. Index cards get lost between sessions. "Just remember how much your character has" quietly breaks down the moment a heist splits unevenly.
LarpBank was built as a fake bank app for LARP and roleplay, but the same mechanics that make it useful for character wallets and in-world economies map directly onto tabletop RPG bookkeeping - with the added benefit that a player can hold a phone showing their balance instead of squinting at a shared doc.
Three ways GMs actually use it at the table
Faction treasuries
Give a faction, guild, or corporation its own checking account with a starting balance and a name that matches the fiction. When the party earns or spends on the faction's behalf, whoever's holding that device makes the change - triple-tap, type the new number, done. No more "what's the guild's balance again?" mid-session.
Heist and job splits
Run the take as a single balance until it's divided, then transfer shares into each character's account using LarpBank's actual transfer flow - source, destination, amount, review. It creates a paired transaction on both sides automatically, so there's a record of who got what without anyone doing math out loud.
NPC merchant and corporate accounts
A recurring merchant, fixer, or corporate NPC gets a credit account that can carry debt - useful for tracking a running tab, a loan the party extended, or a slush fund that drains over a campaign arc. The credit-card account type in LarpBank already supports negative balances, so debt just works.
Why this beats a spreadsheet
The interface is the point, not just the numbers
A spreadsheet tracks numbers. LarpBank tracks numbers and gives everyone at the table a visual, holdable representation of them - a debit card, a masked account number, a scrolling transaction history that fills in on its own. Handing a player a phone showing their faction's balance does more for immersion in ten seconds than a shared doc does in ten sessions.
It also means the GM isn't the sole keeper of the ledger. Once an account exists on a device, whoever's holding it can reference or (with the GM's blessing) update it directly, the same way a player manages their own character sheet.
Setting up a campaign economy
1. Pick your unit
Decide whether an "account" in your campaign represents a character, a party fund, or a faction - then create one checking account per unit to start.
2. Seed a starting balance
Triple-tap the new account and set its opening balance to whatever the campaign's session zero established.
3. Add a savings or credit account where it fits
Give higher-stakes factions a savings account for reserves, or a credit account for NPCs and organizations that can run a debt.
4. Use transfers for anything that moves between parties
Real in-app transfers keep a transaction history, so nobody has to remember who paid whom three sessions ago.
None of this requires the crypto, stocks, or storefront modes - though a cyberpunk or near-future campaign might reasonably want a LarpCrypto wallet for a faction's off-books holdings, or LarpEcom for a party-run storefront. See the full feature list for what else is available. The banking half alone is enough to replace a spreadsheet for most games.
All data is fictional and stored locally.
Bring your campaign's economy to the table
LarpBank is free to download on iOS, with accounts, transfers, and transaction history built in. No account, no real money.
Download Free — iOSFrequently asked questions
Does this work for fantasy campaigns, or only modern settings?
LarpBank is built around a phone-banking interface, so it's the strongest fit for modern, near-future, or urban-fantasy campaigns where a character plausibly has a phone. For high-fantasy settings, it works well for out-of-character bookkeeping - the GM's own ledger of who owes what - even if it never appears in-fiction.
Can multiple players use it at the same table?
Each phone running LarpBank holds its own set of accounts, so the natural setup is one device per character or per faction. A GM can also run several accounts on one device - checking, savings, and credit map cleanly onto a party fund, a personal stash, and a line of debt.
What stops a player from just editing their own balance?
Nothing, by design - the triple-tap edit gesture is intentionally unrestricted. In practice this works because the GM controls the fiction around the number, not the number itself: a player can set their balance to anything, but spending it on something the GM didn't approve still isn't backed by the story.
Is there a cost to run a whole campaign's economy this way?
LarpBank is free to download, with balances and transactions capped at $10,000 on the free tier - plenty for most campaign economies. LarpBank Pro removes that cap for higher-stakes games.