Rule of 114
Divide 114 by your annual return to estimate the years it takes to triple your money.
12%
1%30%
9.5
years
How it works
At a steady annual return, 114 ÷ rate closely approximates how many years an investment takes to triple. It works because compounding is exponential, and the logarithms happen to line up near this constant across the return rates people actually see.
Where it breaks down
Assumes a constant return with nothing added or withdrawn, and ignores tax and inflation. It drifts at very high or very low rates. Real markets do not deliver a steady rate.
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Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.