Two Dollar DM

In the last post, I talked about the Bargain Brew philosophy: becoming a creative curator who combines free and low-cost resources into campaign gold. But there's a foundational question we need to tackle first.

What rules are you actually going to use?

This matters more than you might think. Pick the wrong system and you'll either be missing half the content you need, or drowning in options so complex your players' eyes glaze over during character creation.

I've tested a lot of these options over the past year. Some were great. Some looked great until I actually tried to run them. Let me save you the experimentation.

The Problem With "Free" Rule Systems

When Wizards of the Coast released the 5.1 SRD (System Reference Document) into the Creative Commons, the D&D community celebrated. Free rules! Forever! Legally!

What most people didn't realize is that the SRD was never designed for players. It was designed for publishers.

The 5.1 SRD is a skeleton. You get one subclass per class. One background. A limited selection of races. The core mechanics are all there, but the character options that make D&D fun to play? Stripped down to the legal minimum.

You can run a game with it. But your players will notice they're missing things. "Wait, I can't be a Battlemaster Fighter? There's only Champion?" That conversation gets old fast.

So we need something more complete. The good news: several publishers have released full, free alternatives. The tricky part is figuring out which one actually fits your table.

The Options (Ranked by Complexity)

I've organized these from simplest to most complex. Your mileage may vary depending on what your group wants.

D&D Basic Rules + 5.1 SRD

Cost: Free | Complexity: Low | Completeness: Partial

The Basic Rules PDF from Wizards gives you four classes (Cleric, Fighter, Rogue, Wizard) and four races. Combined with the SRD, you have enough to run a functional campaign.

This works if your players are brand new and you want to keep things simple. But experienced players will feel constrained quickly. There's a reason people buy the full Player's Handbook.

Black Flag Reference Document (Kobold Press)

Cost: Free | Complexity: Low-Medium | Completeness: High

This is Kobold Press's answer to the SRD problem. Black Flag powers their Tales of the Valiant game, and they've released the full reference document for free under Creative Commons.

Black Flag is close to standard 5e in feel, but with some smart improvements. The Luck mechanic (you accumulate luck points when you fail rolls, then spend them to boost future rolls) adds a nice "fail forward" element. Talents give martial characters more interesting choices without the complexity overload.

If you want something that feels like "D&D 5e but modernized," Black Flag is a strong choice. It's complete enough to run full campaigns without buying anything.

Level Up: Advanced 5th Edition (EN Publishing)

Cost: Free | Complexity: High | Completeness: Very High

Level Up is the opposite problem from the basic SRD. Instead of too little content, you get way more than standard 5e.

The A5E SRD is over 1,200 pages. Every class has multiple subclasses. The character creation system splits ancestry into three parts: Heritage (what you are), Culture (how you were raised), and Background (what you did). You could make millions of unique character combinations.

It also adds Combat Maneuvers for martial classes, Exploration Challenges, and a pile of other subsystems.

I was initially excited about Level Up. The Heritage/Culture/Background split is genuinely brilliant for creating characters with rich backstories. A dwarf raised by elves? An orc from a scholarly background? The system handles it elegantly.

But in actual play, the complexity became a problem. Two of my players loved having all those options. The rest found themselves constantly scanning through lists of maneuvers and abilities, slowing the game down. I spent more prep time than I wanted keeping track of everything.

Level Up is excellent if your group enjoys tactical depth and character optimization. For tables that prefer faster, more narrative play, it can be overwhelming.

Other Options Worth Mentioning

Iskandar Player's Guide by MT Black: About $6, built on the Kobold Press framework. Limited but functional, and MT Black's stuff is consistently high quality.

FateForge by Studio Agate: This was a pay-what-you-want gem that I nearly built this whole project around. Then they raised the price to $35. Still a good system, but no longer fits the Two Dollar DM philosophy.

2024 SRD: Wizards released this recently under Creative Commons as well. It's based on the updated 2024 rules, which have some nice quality-of-life improvements. Still has the same "skeleton" problem as the 5.1 SRD though.

What I Actually Use (And Why)

After testing these options with real players, I landed on a hybrid approach.

The Level Up Heritage/Culture/Background system is too good to ignore. It solves a problem that's bothered me about D&D for years: your race determines too much about your character. Separating "what you are" from "how you were raised" opens up storytelling possibilities that standard 5e just doesn't support well.

But the rest of Level Up's complexity? I don't need combat maneuvers that require a flowchart to resolve. I don't need seventeen different exploration challenges. My players don't need that either.

So I've been running a fusion: the Origin system from Level Up, combined with core classes and spells from the 5.1 SRD and Black Flag. I've also pulled in Black Flag's Luck mechanic and the simplified exhaustion rules from the 2024 SRD.

The result is something that feels modern and flexible without being overwhelming. Standard 5e compatibility means any published adventure works. The Origin system means character creation is more interesting. The Luck mechanic means failed rolls don't feel quite so punishing.

I've been calling this approach "Fusion Free 5E."

The Encyclopedia Method

Here's something I've learned the hard way: you don't need to memorize all this stuff. You don't even need to have it all organized before you start.

Modern AI tools (ChatGPT, Claude, etc.) have changed how I prep games. I upload the free SRD PDFs into a ChatGPT Project or Claude conversation, and suddenly I have a searchable rules encyclopedia that can answer questions in plain English.

"What does the grappled condition do?" Instant answer.

"Generate three NPCs for a thieves' guild using the Criminal background." Done.

"How does the Heritage system work for a half-elf?" Explained with examples.

You're not memorizing rulebooks anymore. You're having a conversation with them.

This matters because it changes the calculus on which system to use. Level Up's complexity is less of a burden when you can ask an AI to look things up for you. Black Flag's Talent system is easier to navigate when you can say "show me all the Talents available to a 5th level Fighter."

The game rules become a reference you consult, not a textbook you study.

My Recommendation

If you're starting fresh and want the simplest path: Black Flag. It's complete, it's modern, and it doesn't require you to buy anything or assemble pieces from multiple sources.

If you want more character depth without drowning in subsystems: grab the Level Up Origin system (Heritage, Culture, Background) and use it with Black Flag or 5.1 SRD classes. This is the fusion approach I use.

If your group loves tactical combat and character optimization: full Level Up A5E. The complexity is a feature for the right table.

Coming Soon: Fusion Free 5E

I've been working on a document that packages the fusion approach into something usable. It pulls together the Level Up Origins, SRD 5.1 and Black Flag classes, combined spell lists, and the house rules I've found work best.

The goal is a single reference that gives you a complete, modern 5e experience without buying anything or spending hours assembling pieces yourself.

I'll be releasing it on DriveThruRPG soon. More details to come.

Getting Started Today

You don't need to wait for my document. Here's how to start playing this week:

Download the Black Flag Reference Document from Kobold Press. This gives you a complete, playable system right now.
Grab the Level Up A5E SRD from a5esrd.com if you want to experiment with the Heritage/Culture/Background system.
Upload both to ChatGPT or Claude and start asking questions. "Explain the differences between Black Flag and standard 5e." "Help me create a character using the Level Up Origin system but Black Flag classes."
Run a one-shot. Don't overthink it. Pick a free adventure from DMs Guild, grab some pre-generated characters, and see how the system feels at your table.

The only way to know what works for your group is to play. These resources are free. The worst case scenario is you learn something about what your players enjoy.

Next up: Fantasy Grounds as Your Free Campaign Manager

The free demo of Fantasy Grounds is secretly one of the best DM tools available, even for in-person games. I'll walk through exactly how I use it to organize campaigns, track combat, and keep all my notes hyperlinked and searchable.

Roll high, spend low.

— The Two Dollar DM

P.S. All of these systems (5.1 SRD, Black Flag, Level Up A5E) are released under Creative Commons Attribution 4.0. That means they're free forever, legally. Nobody can take them away. Download them, save them, back them up. They're yours.

P.P.S. The Two Dollar DM philosophy isn't about never spending money. It's about knowing you don't have to. Start with free resources, learn what you actually need, and when you find something worth paying for, go get it. Tales of the Valiant, the full Level Up hardcovers, a killer adventure on DMs Guild: if it brings value to your table, it's worth the investment. The difference is you're spending because you want to, not because you think you have to.

Choosing Your Free Game System: A Practical Guide to 5e Alternatives