Are you an over or under accumulator?

From the classic Stanley and Danko book, the Millionaire Next Door formula predicts your expected net worth as (age × annual income) ÷ 10. A 40-year-old earning 50k should have 200k net worth. Double that (400k) classifies as PAW (Prodigious Accumulator of Wealth). Half (100k) or less classifies as UAW (Under Accumulator of Wealth).

Age 40, 50k income, 350k net worth = 1.75x expected. Sits between AAW (Average Accumulator) and PAW. Healthy wealth-building trajectory. The book's research found PAWs disproportionately live below their means, invest consistently, and focus on accumulation rather than consumption - not high earners.

The formula has limitations. It penalises young professionals fairly (early career = low multiplier × low income = modest expectation) but under-rewards older high-earners. A 65-year-old earning 200k faces a 1.3M expectation that feels outsized if they've been earning 200k only recently. Use the formula as directional guide, not absolute benchmark.

Run it with sensible defaults

Using your age of 40 years, annual income of 50,000, current net worth of 350,000, the calculation works out to AAW (Average Accumulator). Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Your Age, Annual Income, and Current Net Worth — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Expected net worth = (age × income) ÷ 10. Ratio = current ÷ expected. PAW: 2x+, AAW: 0.5-2x, UAW<0.5x. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Using this as a check-in

Re-run this every three months. A single reading tells you where you stand; four readings tell you whether things are improving. The trend matters more than any individual snapshot.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.