Rule of 114 Calculator
Estimate how many years it takes to triple your money at a given return using the quick Rule of 114 shortcut.
How it works
Years to triple ≈ 114 ÷ annual return (%) · Exact = ln(3) ÷ ln(1 + rate)
The Rule of 114 is the tripling cousin of the famous Rule of 72. Dividing 114 by your annual percentage return gives a fast estimate of how many years it takes to grow your money threefold, because 114 is close to 100 × ln(3). It is accurate to within a fraction of a year across the range of returns most investors see, and needs no calculator to use.
Worked example
At an 8% annual return, the Rule of 114 says money triples in 114 ÷ 8 ≈ 14.25 years. The exact answer, ln(3) ÷ ln(1.08), is about 14.3 years — essentially the same.
Frequently asked questions
How accurate is the Rule of 114?
Very accurate for typical returns of roughly 4% to 12%, usually within a few tenths of a year of the exact figure. It drifts a little at very high rates, where the exact logarithmic formula is better.
How does it relate to the Rule of 72?
The Rule of 72 estimates doubling time; 114 estimates tripling time. Both come from the same idea — dividing a constant close to 100 × ln(multiple) by the rate.
Does it work with compounding?
Yes. The rule assumes annual compounding at a fixed rate, which is exactly what the exact formula uses too. It does not account for contributions, taxes or fees.
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Educational estimate, not investment advice. Past returns do not predict future results.