Payday 3 skill builder - how to craft skills and abilities

Payday 3 skill builder - A image of a masked person holding a gun
Credit: Starbreeze Studios

Payday 3 skill builder - A image of a masked person holding a gun
Credit: Starbreeze Studios

If you are wondering about how to efficiently plan and craft the skill of your character, the Payday 3 skill builder is here to help.

In Payday 3, crafting your character's skills and abilities is just as crucial as choosing the best guns or having the best team composition. It could be the difference between a meticulously executed heist and a failed mission.

In this guide, we'll walk you through the ins and outs of using the Payday skill builder to craft the perfect skill set for your criminal endeavours in Payday 3.

How to use the Payday 3 skill builder

The Payday 3 skill builder allows you to allocate skill points into various skill trees to improve their proficiency in different areas, such as combat, stealth, and support. This way you can tailor your characters to your preferred playstyles.

To use the Payday 3 skill builder, go to, and then spend your skill points to unlock and upgrade skills that align with your playstyle. If, for instance, you favour the stealthy approach, spend your skill points on a specialized stealth build.

This third-party skill builder website for Payday 3 allows you to customize your skill builds outside of the game, experiment with different combinations, and share their builds with others. It can be helpful for planning and theory-crafting character builds.

The website provides a user-friendly interface that replicates the in-game skill tree system, allowing you to allocate skill points and see the effects of your choices in real time. It also offers the ability to share your builds with others.

How does the Payday 3 skill system work?

Payday 3 features 17 skill trees, spanning from Medic to CQC, each offering around five to eight distinct skills. These skill trees allow players to customize their characters to suit different playstyles and situations.

Here is how the Payday 3 skill system works:

  • Each skill has two tiers: Basic and Aced. Acquiring the Aced version of a skill requires a total of 2 skill points (1 point for Basic, and an additional 1 point for Aced).
  • The maximum number of points you can use is 21.
  • Only the primary (first) skill in each row can be upgraded to its Aced version.
  • To access the skills within a particular row, you must first unlock the Basic or Aced version of the primary skill in the same row.
  • Once a row is unlocked, you have the freedom to select any skill within it. There is no requirement to invest skill points in the preceding skills.
  • The final skill (the largest one) in every row is always available for selection. You do not need to unlock the primary skill to access it.
  • There are also three universal boosts - Edge, Grit, and Rush - that most skill trees use. These boosts are gained through certain actions and depleted by others. These boosts are gained through specific actions and spent on others.
  • Edge boosts damage, Grit enhances damage resistance, and Rush increases movement speed. Each buff lasts for 20 seconds.

And that covers everything you should know about the Payday 3 skill builder. While you are here, make sure you check out our other useful Payday 3 guides, including the game's best perks and skills and its roadmap for the first year.

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