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That's the whole idea behind the Rule of 72 — a 500-year-old mental-math shortcut that turns compound growth into something you can estimate in your head. Whether you're sizing up an investment, figuring out how fast inflation is chipping away at your savings, or gut-checking a credit card balance, this calculator gives you a clean answer in seconds.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"One input, one result, no spreadsheet required. 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At very low rates (under 3%) the rule slightly overestimates; at very high rates, it slightly underestimates. For most everyday use, the gap is small enough to ignore.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"When to Use Rule of 70 or 69.3 Instead","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The Rule of 72 has two lesser-known siblings:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Rule of 70","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" — favored in demography and for low-growth contexts (1% to 3%). 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34:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Why 72 and not a rounder number like 70 or 100?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Because 72 has more divisors. It splits cleanly into 2, 3, 4, 6, 8, 9, and 12 — which covers nearly every interest rate people care about. 100 would be nicer for mental math but wildly inaccurate. 70 is close to the theoretical ideal (69.3) but harder to divide by common rates.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How accurate is the Rule of 72?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Very accurate between 5% and 12%, with errors typically under half a year. Around 8%, the rule is almost exact. Below 3% or above 15%, the error grows — though even at 20%, you're only off by about two months.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I use this calculator with monthly or quarterly rates?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. The math is unit-agnostic. A 2% monthly rate gives a 36-month doubling time. A 3% quarterly rate gives a 24-quarter doubling time. Just keep your units straight.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Does it work for simple interest?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"No — the Rule of 72 assumes compound growth. For simple interest, where only the principal earns returns, doubling time is 100 ÷ rate. So a 5% simple interest account doubles in 20 years, not 14.4.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How do I apply it to inflation?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Same formula, opposite meaning. A 3% annual inflation rate halves your purchasing power in 24 years (72 ÷ 3). It's the same math — compound growth works on both sides of the ledger.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I reverse it to find the rate I need?"}],"$L37"]}],"$L38","$L39","$L3a"]}]]}]
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37:["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Absolutely. Just flip the formula: rate = 72 ÷ target years. To double your money in 6 years, you need a 12% annual return. To double in 10 years, you need 7.2%.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]
38:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How fast does credit card debt double?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"At 18% APR and no payments, about 4 years. At 24%, about 3 years. At 29.99%, about 2.4 years. This is why credit card balances get out of control so quickly — they're doubling on roughly the same timeline as a strong investment portfolio, but working against you.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the exact formula if I need more precision?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Use ","type":"text","version":1},{"detail":0,"format":1,"mode":"normal","style":"","text":"ln(2) ÷ ln(1 + r)","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":", where ","type":"text","version":1},{"detail":0,"format":2,"mode":"normal","style":"","text":"r","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" is the rate as a decimal. For 10%, that's 0.693 ÷ 0.0953 ≈ 7.27 years. The Rule of 72 gives 7.2 — close enough for virtually any purpose outside of formal financial modeling.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Does the Rule of 72 work for anything besides money?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. Any quantity growing (or shrinking) at a fixed percentage per period follows the same rule — population, bacteria, subscribers, CO₂ concentration, debt, forest coverage. If it compounds, 72 applies.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
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