72法则
计算投资翻倍所需的时间。
输入
翻倍年数
投资翻倍年份 2036
用72除以年化收益率，即可估算投资翻倍所需的年数。反过来，用72除以目标年数，可求出所需的年化收益率。
翻倍增长时间线
@ 7% 年化收益率
资产对比
通货膨胀影响
72法则同样揭示了通胀侵蚀购买力的速度。年通胀率3%时，物价在短短24年内就会翻倍。
推荐工具
精心挑选的实用工具
Using the Rule of 72 to Estimate Doubling Time
概述
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.
使用步骤
- 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.
工作原理
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.
什么时候用
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).
常见问题
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.
注意事项
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.