This is an easy step by step guide to determine whether your character would incur a multiclass penalty and if so how much. Multiclass penalties are on a level to level basis and are not permanent so you need to think about the entire lifespan of the character and apply these steps at each level to guarantee that you aren't incurring a penalty at any point in time. My point is just because you've checked your character is sitting pretty at its final level 20 or 30 situation really doesn't mean squat because you're not going to be gaining anymore xp. Its really important if your plan sets you up to get hit with penalties at one of the later levels. IT IS POSSIBLE TO HAVE PENALTIES FOR JUST A COUPLE LEVELS AND FOR THE AMOUNT OF PENALTY TO CHANGE FROM LEVEL TO LEVEL. If you're done leveling a