With this perk, one will find either twice or three times the normal amount of money in random encounters, depending on the encounter type.
Fallout 3 and Fallout: New Vegas
“With the Fortune Finder perk, you'll find considerably more Nuka-Cola caps in containers than you normally would.”
With this perk, one will find considerably more bottle caps in containers than one normally would. This is done by enabling two leveled item lists - CapsChangeFortuneFinder and CapsFortuneFinder - which both have a 10% chance to add caps to containers. The former list is used by nearly all ant refuse piles, cash registers, desks, footlockers, filing cabinets, gore bags, gun cabinets, lockers, metal boxes, and ruined school desks. If the roll for it succeeds, it will add a quantity from the list between 20 caps minimum to 80 caps maximum. The latter list is far less common and used almost exclusively by safes (including wall safes and floor safes) and scales with the player's level. If the roll for it succeeds, there will be 110 additional caps at level 1, and quantities from the list scale up to 190 caps maximum at level 9.
The 10% chance is calculated separately for every instance of a list within a container. This means that containers which have multiple instances of Fortune Finder lists (such as Wall Safes) will have a higher than 10% chance of containing an additional amount of caps.
The level scaling used by the CapsFortuneFinder list adds an additional, higher possible amount for every level except level 7, while at level 8 two additional possible amounts are added. Presumably this was unintentional. This is the case in both Fallout 3 and Fallout: New Vegas, but does not apply to the list added by Dead Money.
“You find more bottle caps in containers.”— Rank 1 description
You find even more bottle caps in containers, and there is a chance of enemies exploding into a shower of caps when you kill them.
This perk allows caps to be found in random containers such as cabinets, desks, metal cabinets etc. It works similar to the Scrounger perk. If both Fortune Finder and Scrounger are obtained one will find both caps and ammunition in the same containers. If one is the type of player to search extensively through the locations visited then this perk will be a wise investment.
Upon reaching level 4 in Fortune Finder there is a chance with every kill that caps will explode from the enemy killed. Upon death, there is a sound of caps hitting the floor (similar to what can be heard when a game machine lets out coins) and a large animated icon of Vault Boy appears on the screen. One will see a large amount of caps around the body and will need to move over it to collect. One does not have to pick up each individual cap, once the 'pick up/use' key is pressed it will collect them all. The amount of caps dispersed is about 15 to 30. It can be difficult to see the caps and if there is a large battle they can easily be missed. Deaths caused by the Mysterious Stranger perks can also activate the caps explosions.
When Cap Collector's shower of caps event triggers, the sound of a bottlecap mine detonating will play.
Rank 4 of this perk triggers based on the number of successful hits on enemies. This means that using ballistic or energy weapons with low damage but a high rate of fire such as the minigun or Gatling laser will ensure that this perk triggers very often; at about once every 3-5 kills.
When the cap explosion offered by rank 4 of this ability activates, it often has the effect of slowing down the game and reducing frame rates, particularly in the middle of large battles with multiple enemies. This can actually make the final rank more of an annoyance than a help overall, since the number of caps gained from a cap explosion is usually not anything to get excited about.
You hear directional audio when in range of a Caps Stash.
The audible sound clue of a caps stash will play even if the container is actually empty. Pressing the transfer button to enter the container menu and then exiting the menu should stop the sound from playing further, unless the player enters an interior or switches servers.
Fallout: The Roleplaying Game
“Whenever you roll to determine how much money you find, you find more.”— Fallout: The Roleplaying Game sourcebook, p. 64
Each time you take this perk, the level requirement increases by 4.
Fallout: Brotherhood of Steel
With each level of this skill, one's chances of finding valuable items and money go up by 20% (up to a maximum of 100%). To take it, the player must be level 5.
1 Rank : 2 Points
2 Rank : 4 Points
3 Rank : 8 Points
4 Rank : 16 Points
5 Rank : 32 Points
Fallout: The Board Game
Once obtained, it can be discarded to obtain eight bottle caps.