قاعدة 72
احسب المدة اللازمة لمضاعفة استثمارك.
إدخال
سنوات المضاعفة
يتضاعف الاستثمار بحلول 2036
اقسم 72 على معدل عائدك السنوي للحصول على تقدير بعدد السنوات اللازمة لمضاعفة استثمارك.
جدول مضاعفة الاستثمار
@ 7% عائد سنوي
مقارنة الأصول
تأثير التضخم
تكشف قاعدة 72 أيضاً مدى سرعة تآكل التضخم للقوة الشرائية. عند معدل تضخم سنوي 3%، تتضاعف الأسعار خلال 24 عاماً فقط.
الأدوات الموصى بها
أدوات مختارة بعناية قد تجدها مفيدة
Using the Rule of 72 to Estimate Doubling Time
نظرة عامة
The Rule of 72 is a quick mental shortcut for how long it takes an investment to double at a fixed annual return: just divide 72 by the rate. It is remarkably accurate for typical rates and great for sanity-checking growth without a spreadsheet. This calculator applies it instantly, and also works in reverse to find the rate needed to double in a given time.
كيفية الاستخدام
- 1
Enter the annual rate
The expected yearly return or interest rate as a percentage.
- 2
Read the doubling time
The tool divides 72 by the rate to estimate years to double.
- 3
Or solve for the rate
Enter a target number of years to see what annual rate doubles your money in that time.
كيف يعمل
Years to double ≈ 72 ÷ annual interest rate (as a percent). At 8%, money doubles in about 9 years; at 6%, about 12 years. The 72 works because it closely approximates the exact logarithmic doubling formula for rates between roughly 4% and 15%. To find the required rate instead, divide 72 by the number of years you have.
متى تستخدمه
Quickly estimating how fast savings will grow. Comparing the long-term impact of different return rates. Showing how inflation erodes purchasing power (how fast prices double).
الأسئلة الشائعة
Very close for rates between about 4% and 15%. At higher or lower rates the approximation drifts slightly from the exact figure, but it remains a useful estimate.
ملاحظات مهمة
The Rule of 72 is a rough mental-math approximation, not investment advice. Real returns are not fixed and are not guaranteed — consult a licensed financial advisor before making investment decisions.