Uneven Levels: If any two of your multiclass character’s classes 
are two or more levels apart, the strain of developing and 
maintaining different skills at different levels takes its toll. Your 
multiclass character suffers a –20% penalty to XP for each class that 
is not within one level of his or her highest-level class. These 
penalties apply from the moment the character adds a class or raises 
a class’s level too high. For instance, a 4th-level wizard/3rd-level 
rogue gets no penalty, but if that character raises his wizard level to 
5th, then he takes the –20% penalty from that point on until his 
levels were nearly even again. 
Races and Multiclass XP: A favored class (see the individual 
race entries in Chapter 2: Races) does not count against the char-
acter for purposes of the –20% penalty to XP. In such cases, calculate 
the XP penalty as if the character did not have that class. For 
instance, Bergwin is an 11th-level gnome character (a 9th-level 
rogue/2nd-level bard). He takes no penalty to his XP because he has 
only one nonfavored class. (Bard is favored for gnomes.) Suppose he 
then attains 12th level and adds 1st level as fighter to his classes, 
becoming a 9th-level rogue/2nd-level illusionist/1st-level fighter. 
He then takes a –20% XP penalty on future XP he earns because his 
fighter level is so much lower than his rogue level. Were he awarded 
1,200 XP for an adventure, he would receive only 80% of that 
amount, or 960 XP. If he thereafter rose to 13th level and picked up 
a fourth class (by adding 1st-level cleric, for example), he would take 
a –40% XP penalty from then on. 
As a second example, consider a dwarf 7th-level fighter/2nd-level 
cleric. This character takes no penalty because his fighter class is 
favored for dwarves and thus not counted when determining 
whether his classes are even. Nor does he take any penalty for 
adding 1st-level rogue to the mix, since his cleric and rogue classes 
are only one level apart. In this case, cleric counts as the character’s 
highest class. 
A human’s or half-elf’s highest-level class is always considered his 
or her favored class.