Rule of 114 (Tripling Money)
Years to triple your money at a fixed return.
Like the Rule of 72 (doubling), the Rule of 114 estimates how long it takes to triple your money at a fixed annual rate. Quick mental math: at 7% returns, money triples in roughly 16 years. The exact value uses ln(3) / ln(1 + r) and is shown for comparison.
About
The Rule of 114 is the doubling rule's older cousin. At a fixed annual return, divide 114 by the rate to estimate years to triple your money. The tool also runs the math the other way: target years to triple → required return.
How to use
- Enter your expected annual return.
- Read years to triple.
FAQ
Where does 114 come from?+
ln(3) is about 1.0986. The Rule of 114 is the same shortcut as Rule of 72, scaled for a 3× target instead of 2×. The exact value uses logarithms; the rule is a mental-math approximation.
Is there a Rule of 144?+
Yes, for quadrupling. ln(4) is twice ln(2), so 144 = 2 × 72.