Regla del 72
Calcula cuánto tiempo tarda en duplicarse una inversión.
Entrada
Años para Duplicar
La inversión se duplica en 2036
Divide 72 entre tu tasa de retorno anual para estimar los años necesarios para duplicar tu inversión.
Cronograma de Duplicación
@ 7% retorno anual
Comparación de Activos
Impacto de la Inflación
La Regla del 72 también muestra con qué rapidez la inflación erosiona el poder adquisitivo. Con una inflación anual del 3%, los precios se duplican en solo 24 años.
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Using the Rule of 72 to Estimate Doubling Time
Resumen
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.
Cómo usar (paso a paso)
- 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.
Cómo Funciona
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.
Cuándo usarlo
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).
Preguntas Frecuentes
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.
Notas Importantes
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.