Use the Rule of 72 to estimate how many years it takes to double your investment at a given interest rate.
Estimate how long it takes to double your money.
The Rule of 72 is a simple mental math shortcut to estimate how long it takes for an investment to double. Just divide 72 by your expected annual return rate.
For precise calculations, use our Compound Interest Calculator.
Years to Double = 72 ÷ Annual Interest Rate. At 6%: 72÷6 = 12 years. At 8%: 72÷8 = 9 years. At 12%: 72÷12 = 6 years. Quick mental math for investing!
It's a mathematical approximation of compound interest formula ln(2)/ln(1+r). 72 is used because it's divisible by many numbers (2,3,4,6,8,9,12) making mental math easy.
Rule of 70 is more accurate for rates under 10%. Rule of 72 is easier for mental math. For precise calculations, use actual compound interest formula.