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Rule of 72Calculator
Quickly estimate how long it takes your money to double at a given rate of return.
Rule of 72 (Doubling Time) Calculator
Quickly estimate how long it takes your money to double at a given rate of return.
Years to Double Your Money
9 yrs
Quick Reference
Note: the Rule of 72 is a quick mental-math approximation, most accurate for annual rates roughly between 6% and 10%. For an exact figure, use our Compound Interest Calculator.
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Book a Free ConsultationFrequently Asked Questions
What is the Rule of 72?
It's a quick mental-math shortcut for estimating how many years it takes an investment to double at a given annual compound rate: Years to double is approximately 72 divided by the annual rate. For example, at 8% annual return, money roughly doubles in 72/8 = 9 years.
How accurate is the Rule of 72?
It's most accurate for annual rates roughly between 6% and 10%. Outside that range, the approximation gets less precise — for an exact answer at any rate, use a full compound interest calculator.
Can I use the Rule of 72 to find the rate I need instead of the years?
Yes — rearrange it: Rate needed is approximately 72 divided by the number of years. This calculator supports both directions.
Does the Rule of 72 work for debt as well as investments?
Yes — it works for any situation involving compound growth at a fixed rate, including how quickly debt at a given interest rate would double if left unpaid.
Is this calculator free to use?
Yes, completely free with no sign-up or limits, and it works for any currency or rate.
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