Calculators / PAW / UAW Wealth Efficiency Check
PAW / UAW Wealth Efficiency Check
"Given my age and income, am I an over- or under-accumulator of wealth?"
If income is a vanity metric, what is the value metric? Stanley & Danko gave us a simple formula: Expected Net Worth = (Age × Income) / 10.
— Debugging Your Personal Finance, Chapter 3
Expected net worth: —
Your ratio: —
Classification: —
From Stanley & Danko's The Millionaire Next Door. PAW = Prodigious Accumulator (ratio ≥ 2.0). UAW = Under Accumulator (ratio < 0.5). The formula is a heuristic, not a financial plan.
From Chapter 3 of Debugging Your Personal Finance. Simple calculator · Inputs stay in your browser · Not financial advice.
A simplified calculator for education, not financial advice. See the disclaimer.