When calculating the armor check penalty from mithal armor, do you also add the MW "bonus" or is it already included in the description?

It's come to my attention that I may have been doing this wrong all along but I can't find it stated expicitly anywhere.

SRD states

(Mithral armor) AC penalties are lessened by 3 (to minimum of 0).

& also

armors fashioned from mithral are always masterwork...masterwork cost is included in the prices given.

But while the price is explicitly included the bonuses are not stated. Are these supposed to be included or do they stack?


Regular Breastplate AC Penalty: -4
Masterwork Breastplate AC Penalty: -3
Mithral (MW) Breastplate AC Penalty: "-1" or "0" ??


2 Answers 2


RAW is problematic on this point. I am therefore going to address this question in a rather unusual order for a question: I am going to discuss the (highly-likely) intent, and then discuss what the rules do or don’t say and why they are problematic.

The intent seems pretty clear: the masterwork benefit is included in mithral’s

In a very-unusual case, I believe we can safely determine the intent of how mithral should be handled. We have examples of specific items statted up in the Player’s Handbook, including the elven chain and mithral shirt. These appear (particularly in the latter case, since it doesn’t have the fancy name) to be by-the-book examples of the mithral special material being applied to the chainmail and chain shirt items, respectively.

In both cases, the armors are statted with the masterwork bonus not stacking with the benefit of mithral.

It is important to note that these examples do not provide rules for applying mithral. They are, at best, secondary sources for what it means to be mithral, and specific items can and do provide exceptions to general rules; it is entirely possible to have specific items differ from the items you would get by applying the modular pieces the item appears to be made of.

And even in particularly blatant cases like the mithral shirt, examples are not the primary source for the general rule. In a contradiction between the two, the errata rules would have us ignore the examples and follow the primary rule.

Thus, we can only make an argument for intent on the basis of these examples, but I argue that in this case, they provide a very strong argument for intent.

The rules fail to describe this, however

Because the examples above give a very strong indication of the likely intent of how mithral should be applied, we expect the mithral rules themselves (the primary source, now), to describe the process such that we get the results indicated by the examples, where the benefit of mithral supersedes or includes that of masterwork without stacking.

In particular, one of these would suffice to get the results we expect:

  • A statement that says that the benefits described for making an armor from mithral already include the benefit for being masterwork.

  • A statement that says that these two benefits should not stack with one another.

However, the rules say only that the cost of being masterwork is included in the cost of being mithral; they do not say whether or not the benefit of being masterwork is included in the benefit of being mithral. That’s one option down.

Furthermore, the general stacking rules are no help, even if we accept that the reduction of ACP is a bonus subject to the bonus-stacking rules,1 since the benefit from both masterwork and mithral are untyped, and they are separate sources. Under the usual stacking rules, these two benefits would stack.


Super-strict RAW, two separate benefits are described, they are not given types, and there is nothing in the rules that says they should not stack. However, available examples strongly suggest that this was an oversight, to the point that I would consider it dishonest to fail to mention them.

  1. The bonus stacking rules define a bonus as a number added to a d20 roll; a reduction in a stat like ACP doesn’t really qualify. However, the rules make a frequent habit of treating other things as bonuses despite that definition, and I suggest it makes sense to do so here.
  • 1
    \$\begingroup\$ Fuel: A Medium humanoid creature's chain shirt weighs 25 lbs., its chain shirt made of mithral 12.5 lbs., but its mithral shirt 10 lbs. Why? It's a mystery. \$\endgroup\$ May 18, 2015 at 21:08
  • 3
    \$\begingroup\$ I've +1 both yours & Zach's answer, however, you both list chain shirt to add weight (pun intended) to your answer (yours even more so); the problem with chain shirt is it takes the ACP to 0, and the rules state it can't be improved beyond 0 so whether the rules allow it or not, it would stop at 0. So IMHO, this item has to be excluded from consideration when determining the rules. Combined with the 2 points you've stated about 1) specific items & 2) text conflicting with examples is why I asked \$\endgroup\$
    – Ben-Jamin
    May 18, 2015 at 21:46
  • \$\begingroup\$ @Ben-Jamin Ah, good point; will fix. \$\endgroup\$
    – KRyan
    May 18, 2015 at 21:49

One wonders why clearly nonmagical items such as the elven chainmail are in the magic armor section. Yet, here it is. A mithral chainmail, costing like one, already statted up in the very same manual that introduces mithral.

It turns out the masterwork bonus is already included. (-5 to -2)

The same applies to the mithral shirt, by the way

  • \$\begingroup\$ Specific items can (and often do) intentionally differ from those produced by following the modular rules. This is by design, however it also means that examples cannot be generalized back to the rules they seem to refer to. At best, these examples can only give an (admittedly strong) argument for intent, not RAW. \$\endgroup\$
    – KRyan
    May 18, 2015 at 20:33
  • 2
    \$\begingroup\$ In addition to what @KRyan said, the problem with chain shirt is it takes the ACP to 0, and the rules state it can't be improved beyond 0 so whether the rules allow Mithral to stack with MW or not, it would stop at 0 making this example unable to point towards an answer one way or another. \$\endgroup\$
    – Ben-Jamin
    May 19, 2015 at 1:14

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