I believe it is five months RL time. So yes, if you start today, and put some effort into gaining XP, you should hit 20 by August 11th. However, you can hit it early, or you can hit it late. August 11th would be an average date.
It's not a hard cap, as I understand it. If you have more XP than you are supposed to, that just means you get less XP per kill. If you get WAY more XP than you are supposed to have, your XP per kill will probably hit 0. Along the same lines, if you have less XP than you are supposed to have, then you get more XP per kill untill you are caught up.
And a few numbers for those ECL races, because I'm a nerd like that:
ECL +1 (teifers and aasimars): 5.5 months to hit level 20
ECL +2 ( drow and duergar): 6 months to hit level 20
ECL +3 (svirfneblin): 6.6 months to hit level 20
It's not a hard cap, as I understand it. If you have more XP than you are supposed to, that just means you get less XP per kill. If you get WAY more XP than you are supposed to have, your XP per kill will probably hit 0. Along the same lines, if you have less XP than you are supposed to have, then you get more XP per kill untill you are caught up.
And a few numbers for those ECL races, because I'm a nerd like that:
ECL +1 (teifers and aasimars): 5.5 months to hit level 20
ECL +2 ( drow and duergar): 6 months to hit level 20
ECL +3 (svirfneblin): 6.6 months to hit level 20



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