Rule of 114 Calculator

About this calculator

The Rule of 114 is a mental-math shortcut that estimates how many years it takes an investment to triple in value at a fixed annual rate of return, without needing a financial calculator or logarithms. Divide 114 by the annual interest rate (expressed as a whole number, not a decimal) and the result is the approximate number of years to 3x your money — for example, at 8% annual growth, 114 ÷ 8 ≈ 14.25 years.

It’s the tripling-time companion to the better-known Rule of 72 (which estimates doubling time) and Rule of 144 (quadrupling time), all derived from the same natural-logarithm approximation applied to compound growth. Investors use it for quick back-of-envelope comparisons between different expected return rates, though it loses accuracy at very high or very low rates since it’s an approximation, not an exact compound-interest formula.