I don't think it works that way. From what the manual says, you only get the AC bonus every two levels up to level 20. After that, they only get +1 AC at levels 21, 24, 27, 30, 35, and 40 for a TOTAL AC bonus of +6 for levels 20-40.
So, if a monk starts out with an AC of 9, then 20/2=10. So at level 20 the monk should be at -1. I'm assuming that you've maxed out the dex so that the starting point for the monk is 9 max out with the dex.
At 40th level, then the AC becomes -7. With equipment his should be lower.
Come to think of it, it should be even lower, I think that you didn't take into effect the dex modification to AC when starting with your base AC. |