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Rule of 72 Calculator
Estimate how long it takes to double your money at a given rate.
Result
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Doubling time.
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How the Rule of 72 Calculator Works
The Rule of 72 is a mental shortcut for compound growth: divide 72 by the annual interest rate to estimate how many years it takes an investment to double. At 8% a year, money doubles in about 72÷8 = 9 years. Flip it around — 72 divided by the years you have — to find the rate you’d need.
It’s remarkably accurate for rates between about 6% and 10%. This calculator shows both the Rule-of-72 estimate and the exact figure from the compound-growth formula.
years to double ≈ 72 ÷ annual interest rate
Frequently Asked Questions
What is the Rule of 72?
A quick way to estimate doubling time: divide 72 by the annual rate of return. At 9%, money doubles in about 8 years.
How accurate is the Rule of 72?
Very close for rates around 6–10%. For very high or low rates the exact formula (shown here) is more precise.
How do I find the rate to double my money?
Divide 72 by the number of years you have. To double in 6 years you need about 12% a year.
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