Payday Wiki


1,195pages on
this wiki
Add New Page
Comments340 Share
This article is about the list of skills in general. For hints on using skills and example builds, see Builds.
Mutator Config
This article is a stub. You can help the Payday Wiki by expanding it.
Mutator Config

Skills are a means of unlocking new equipment, abilities, or basic statistic improvements in PAYDAY 2. They are divided among five skill trees: Mastermind, Enforcer, Technician, Ghost, and Fugitive; often described as classes. Players are free to distribute skill points however they choose across the five skill trees.

The Skills system was overhauled in Update #100, with the five skill trees possessing three "subtrees" each, each with a different role. The content under the "Consoles" tabs (or "PS4 & XBOX ONE" and "PS3 & XBOX 360" tabs) contains information on the old skills system and is kept for reference.


Skill pointsEdit

Ace symbol

On the PC, Aced skills are represented by this Ace of Spades background behind their respective icons.

One skill point is awarded each time the player gains a Reputation level, plus an additional 2 points at every level divisible by 10 (meaning that instead of just 1 skill point, 3 skill points will be granted at levels 10, 20, 30, 40 etc). Thus, once the player reaches the maximum Reputation level of 100, the player will have a total of 120 skill points.

Because the total skill points needed to unlock Basic and Ace for every skill in a single tree totals 132 points (145 on the consoles), it is impossible to Ace every skill in even a single tree (and furthermore, there are five separate trees in total). Because of this, it is advisable to only spend points on specific skills you truly need and want, and to spread skill points over multiple trees if necessary. Planning your build can be done with this skills, perks, and weapon calculator.

Skill tree structureEdit

Each skill tree has three subtrees, named after their intended role (for example, the Fugitive's Brawler subtree enhances melee combat capability). For each subtree, there are four tiers, the top three unlocked by spending a minimum total number of points in that subtree:

  • tier 2 is unlocked by spending 1 skill point,
  • tier 3 by spending 3 skill points,
  • tier 4 by spending 18.

Tier 4's point requirement can be reduced to 16 by investing an Infamy point in the appropriate tree.

All subtrees have one skill in tiers 1 and 4, and two skills in tiers 2 and 3. Tier 1 skills cost 1 skill point to unlock Basic and three skill points to Ace, tier 2 skills cost two skill points for Basic and four for Ace, tier 3 skills cost 3 for Basic and 6 for Ace, and tier 4 skills 4 for Basic and 8 for Ace.

For each class, there are six tiers, unlocked by spending a minimum total number of points in that skill tree:

  • tier 1 is unlocked by spending 1 skill point,
  • tier 2 is unlocked by spending 5,
  • tier 3 by spending 10,
  • tier 4 by spending 20,
  • tier 5 by spending 30,
  • tier 6 by spending 40.

These numbers can be reduced to 1, 5, 9, 18, 27, and 36 points respectively by investing an Infamy point in the appropriate tree.

For each tier, there are three skills. Each skill, after the Basic is obtained, can be Aced for further benefit. Skills in tiers 1 to 3 cost one skill point to unlock Basic and three skill points to Ace, whereas skills in tiers 4 to 6 cost four skill points to unlock Basic and eight skill points to Ace.

Skill interactionsEdit

Party bonuses do not stack with the identical bonus coming from other players in the party that have the identical skill (thus it is somewhat sub-optimal for multiple players to get the same party-benefit skills, if you always play with the same team of players). All other bonuses stack, unless stated otherwise, including bonuses from Basic and Aced versions of the skill.

Re-specifying skill treesEdit

Skills can be withdrawn and skill points returned simply by right-clicking on the skill. Aced skills are withdrawn separately from Basic skills; to fully remove a skill that has been Aced, one will have to right-click on the skill twice. Skills cannot be withdrawn if the skill points invested in them allow skills unlocked above them to be used. The higher-tier skills will have to be removed before the lower-tier skill can.

You can drop all skills from a skill tree by choosing the "respec this skill tree" option from the bottom of the screen while that skill tree is selected. This will return all of the skill points to you as skill points that can be spent again anywhere, as well as returning half the cash you paid to unlock those skills. Clicking on the option will bring up a dialog box telling you how much money you'll get back and giving you the option to drop the skills or not; this can be used to see how much money you would get back without actually dropping the skill points.

Skill trees in which you don't have a lot invested (i.e., you've unlocked only a few lower-level skills) are relatively cheap to rebuild. This can be used in two ways:

  • At low levels you can take advantage of some skills that are useful early on but that you don't need later.
  • For example, cash is usually relatively scarce below level 60. If you're not planning on investing heavily in the Ghost tree, picking up Dead Presidents can quickly pay off both the skill purchase itself and the cost of a respec of the Ghost tree. If you have only taken Sprinter from the Ghost tree, you only need to collect $288k in instant cash to pay off a respec - this is only marginally more than one ATM on Overkill difficulty, which can be easily and quickly looted on Four Stores.
  • At higher levels, re-specifying can let you make temporary use of skill points that would otherwise be unused while you're saving skill points for a large unlock in another tree. Allocate these points to low-level skills in your least developed skill tree(s), and when you've leveled up enough you can cheaply re-specify these less-developed trees to free up the additional skill points you need for your large unlock.

Multi Skill BuildsEdit

On the PC, Playstation 4, and XBOX ONE versions, players can unlock additional skill sets to use, allowing them to switch between multiple builds without having to re-spec skill points. This allows, for example, one to switch from a stealth build to a combat build in an instant. Skill sets can be selected and unlocked by pressing the S key.

Skill sets also have a perk deck selection associated, hence switching skill set will switch perk deck as well, although perk deck progress is universal across skill sets.

The skill set used is selected from the skill screen, meaning that it can be selected from the main menu or while in the lobby screen of a server.

On consoles there are 5 possible skillsets available, on the PC there are 15. The requirements for the 15th is the requirement for the 5th on consoles.

The skill sets are unlocked as follows: 1. The starting skill set, available from the outset. 2. Available for unlock once you reach level 50. 3. Available for purchase once you reach level 75, costs $1M of offshore money. 4. Available for purchase once you reach level 100, costs $10M of offshore money. 5-9. Available for purchase once you reach level 100, costs $25M of offshore money. 10-14. Available for purchase once you reach level 100, costs $30M of offshore money. 15. Available for purchase once you reach level 100, requires the Tabula Rasa achievement, and costs $20M of offshore money. When resetting your level by going infamous, the skill sets unlocked remain unlocked and therefore can be used immediately afterwards.


Class building is made easier through the use of Profiles, which are collections of loadouts (weapons, throwables, skill sets, perk decks and masks). Profiles can be swapped around in the pre-game menu, allowing players more room to plan out by having multiple loadouts to tackle any kind of situation, especially when playing multi-day heists where rule changes between days are often significant. Because profiled skill sets can not be modified during the pre-game phase, setting them up in advance is often required.

Blank profiles will default to skill set 1 when selected with all skill points unallocated. There are 15 profile slots available at the moment. Profiles can be renamed (if using keyboard and mouse) by clicking on their name in the inventory.


Gameplay • Heists • Skills • Weapons & Equipment • DLC


  • offers a skill calculator that is useful for planning out skill progression, along with a loadout simulator. It also offers a beta version for planning skills with infamy levels.
  • The full changes of the skills and introduction of perks in Update #39 can be read here.
  • Each skill tree is represented by one of the original heisters and the now-separate Houston; with Dallas as the Mastermind, Chains as the Enforcer, Wolf as the Technician, Houston as the Ghost, and Hoxton as the Fugitive.


  • As of Update #39, the skill tier bonuses have been removed from the game, being replaced by the Perk Decks system which works in a similar way, but opens up the player's access to beneficial bonuses as to encourage calculated character building, rather than spending points in trees just for the tier upgrade, such as the old Tier 3 Technician headshot, which is a perk in all perk trees. Most of the tier bonuses have been revised into Perks, but some are removed entirely.
  • Several of the subtrees introduced in Update #100 use the same names as pre-update skills. Those that weren't removed or split across several skills were renamed.
  • The Technician's Engineer subtree focusing entirely on upgrades to the sentry gun may be a reference to the Team Fortress 2 Engineer, who specializes in sentry guns.


I'm a Healer-Tank-Damage-Dealer I'm a Healer-Tank-Damage-Dealer
Spend 10 skill points in each skill tree.

Ad blocker interference detected!

Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers

Wikia is not accessible if you’ve made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected.

Also on Fandom

Random Wiki