Rule of 72, 114 & 144 Calculator

Quick mental math to estimate investment doubling, tripling, and quadrupling time

Select Your Investment Goal

72 Double Money
114 Triple Money
144 Quadruple Money

What do you want to calculate?

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Find Time

I know the rate, find time to reach goal

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Find Rate

I have a time target, find required rate

šŸ“Š Your Investment Growth Timeline

Time to Double
0 years
Investment Multiple
2x
Exact Calculation
0 years
Accuracy
0%

All Rules Comparison at 0%

Rule Time (Years) Final Amount Total Return
Rule of 72 (2x) - - 100%
Rule of 114 (3x) - - 200%
Rule of 144 (4x) - - 300%

šŸŽÆ Quick Examples

Stock Market Returns
Average market return of 7% - When will investment double?
Rate: 7% Goal: Double (2x)
Real Estate Appreciation
Property growing at 12% - Time to triple investment?
Rate: 12% Goal: Triple (3x)
High-Growth Target
Want to quadruple money in 8 years - Required return?
Time: 8 years Goal: Quadruple (4x)

What are These Rules?

The Rules of 72, 114, and 144 are mental shortcuts to quickly estimate investment growth:

  • Rule of 72: Divide 72 by interest rate to find doubling time
  • Rule of 114: Divide 114 by interest rate to find tripling time
  • Rule of 144: Divide 144 by interest rate to find quadrupling time

When to Use Each Rule

  • Rule of 72: Most common for general investments and moderate growth targets
  • Rule of 114: Useful for real estate and long-term growth planning
  • Rule of 144: For aggressive growth targets or generational wealth planning

Quick Reference Guide

Rate Double Triple Quadruple
3% 24 yrs 38 yrs 48 yrs
6% 12 yrs 19 yrs 24 yrs
9% 8 yrs 13 yrs 16 yrs
12% 6 yrs 10 yrs 12 yrs
15% 5 yrs 8 yrs 10 yrs

Accuracy Limitations

  • Most accurate for rates between 5-20%
  • Assumes annual compounding
  • Best for rough estimates
  • Use exact formulas for precise calculations
  • Doesn't account for taxes or fees

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šŸŽÆ Real Scenarios

Practical examples for retirement, education, and wealth building

šŸ“Š Quick Reference

Handy tables and shortcuts for common investment rates

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