add place value of all letters and then add 5
MONEY = 77
M(13) + O(15) + N(14) + E(5) + Y(25)
= 13 + 15 + 14 + 5 + 25 + 5 = 77
CAPITAL = 67
C(3) + A(1) + P(16) + I(9) + T(20) + A(1) + L(12)
= 3 + 1 + 16 + 9 + 20 + 1 + 12 + 5 = 67
A(1) + S(19) + S(19) + E(5) + T(20)
= 1 + 19 + 19 + 5 + 20 + 5 = 69.