Time to multiply money calculator

Find out how long it takes to double, triple, or multiply your money at a given rate.

Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.

12% p.a.

at 12% annual return, your money takes about 6.12 years to grow 2 x. Work out the growth rate if you already know your starting and ending amounts instead

How is this calculated?

This uses the compound interest formula solved for time: years = ln(multiple) / (n × ln(1 + rate/n)), where n is the compounding frequency. At 12% annual compounding, for example, money roughly doubles in about 6 years, following the well-known "Rule of 72" approximation (72 ÷ rate).

Frequently asked questions

What is the Rule of 72?

The Rule of 72 is a quick mental-math approximation for doubling time: divide 72 by the annual interest rate to estimate the number of years. It is close to, but not identical to, the exact compound-interest calculation this calculator uses.

Common questions answered

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Anonymous, not linked to any account — based only on real calculations made on this page. Click any entry to see it worked out.