Money Growth Calculator
See how fast your money grows
Strong Compounding
At 12%, your money doubles every 6.0 years — excellent compounding power!
- After 6 yrs (Double)₹200K
- After 9.5 yrs (Triple)₹300K
- After 12 yrs (Quadruple)₹400K
What are the Rule of 72, 114 & 144?
These are mental-math shortcuts to estimate how long it takes for money to grow to a multiple of itself at a given compound annual return rate. They are derived from the mathematics of compound interest.
Years to double = 72 ÷ annual return (%)
Years to triple = 114 ÷ annual return (%)
Years to quadruple = 144 ÷ annual return (%)
Example at 12%: double in 6 yrs · triple in 9.5 yrs · quadruple in 12 yrs
The number 72 works because ln(2) ÷ ln(1 + r/100) ≈ 72 / r for typical return rates. Similar approximations give 114 for tripling and 144 for quadrupling.
How to use this calculator
- 1Enter your expected CAGR (Compound Annual Growth Rate) — this is the average annual return you expect from your investment.
- 2Click "Calculate Growth" (or press Enter) to instantly see years to double, triple, and quadruple.
- 3Read the insight badge — it tells you whether your return rate is Slow, Moderate, or Strong compounding.
- 4Check the “If you invest” section to see the absolute currency impact over time.
- 5Try different rates (e.g. FD at 7%, mutual fund at 12%, equity at 15%) to compare outcomes.
Understanding growth categories
Slow Growth
Savings account, FD
Moderate Growth
Debt mutual funds, balanced funds
Strong Compounding
Equity funds, direct stocks