Stand with your mouse on the vitality mastery skill and read the number is written

Here is where I replied in short, the idea behind it: Here is where I replied it in "guide-style" coz I thought some people would like tera gold as a bit of something more detailed.

Step one: Take off all gear that gives hp or mp bonus (to make it simple, take off all gear, including board/epaulet/ too)

Step two: Press "C" and than go to the tab "upgrade skills". Stand with your mouse on the vitality mastery skill and read the number that is written there if you have the mana upgrade skill, remember that number too.

Step Three: look at your hp now, do that number minus the number of hp you gain from your hp-upgrade skill the result you get is your "net amount of hp" this amount is used to calculate your death penalty do the same for mp if you want to know your mp death penalty too (if you got a mana-upg skill).

Step Four: multiply the net amount of hp you have calculated in step 3 by 0.4 the result you get now is the maximum amount of death penalty you can get for your hp at your current level the net amount of mana you have, multiply that by 0.4 to get the max mp death penalty you can get example.