Rule of 72 Calculator

Rule of 72 ek aasan tareeka hai ye jaanne ka ki aapka paisa kitne saal me double ho jayega. Bas byaj dar chahiye. Ye calculator turant batata hai ki di gayi dar par paisa kitne saal me dugna hoga — aur ulta bhi, ki double karne ke liye kitni dar chahiye.

Rule of 72 kya hai

Rule of 72 ek jaldi wala tareeka hai ye jaanne ka ki compounding se paisa kitne saal me dugna hoga. Bas 72 ko byaj dar se baant do — jo aaya, utne saal me paisa double.

Misaal se samjhein

Agar aapka paisa 8% par badh raha hai, to 72 ÷ 8 = 9 saal me double ho jayega. Agar 12% par hai, to 72 ÷ 12 = 6 saal. Yaani jitni zyada dar, utni jaldi paisa dugna. Ye seedha dikhata hai ki thodi zyada dar lambe samay me kitna bada farak laati hai.

Ye kaam kyun ka hai

• Jaldi andaaza — bina calculator ke, dimaag me hi hisaab lag jaata hai.
• Vikalpon ki tulna — FD 7% vs mutual fund 12% — dono kitne saal me double, turant pata.
• Mehngai ka asar — 6% mehngai par aapke paise ki keemat 12 saal me aadhi ho jaati hai (72÷6).

Dhyaan rakhein

Rule of 72 ek anumaan hai, ekdum theek nahi — par bahut kareeb hota hai, khaaskar 6-10% dar ke beech. Asli, sahi hisaab ke liye compound interest calculator istemaal karein. Mehngai ko dhyaan me rakhkar asli return samajhne ke liye ye rule bahut kaam aata hai — kyunki jo paisa 7% FD me badh raha hai, wo agar mehngai 6% hai to asal me bahut dheere badh raha hai.

Mehngai par Rule of 72 — doosri taraf ka sach

Rule of 72 sirf paisa badhne ka hisaab nahi hai. Isse ulta karke ye bhi pata chalta hai ki aapke paise ki keemat aadhi kab ho jayegi.

72 ko mehngai dar se bhaag dijiye. 6% mehngai par 72 ÷ 6 = 12. Yaani 12 saal me aaj ke ₹100 sirf ₹50 jitna saman khareed payenge.

Ye ek jhatka dene wala hisaab hai, par isse ek saaf baat nikalti hai: kisi bhi nivesh ko dekhte waqt sirf return mat dekhiye, return minus mehngai dekhiye. Usi ko asli (real) return kehte hain, aur asli daulat wahi se banti hai.

Kahan ye rule kaam nahi karta

Rule of 72 ek anuman hai, formula nahi. Teen jagah ye galat jawab deta hai:

• Bahut oonchi dar par — 25-30% se upar ye rule asli number se kaafi hat jaata hai. Wahan poora compound formula hi theek hai.
• Jahan return har saal badalta ho — mutual fund ya share me kisi saal 20%, kisi saal minus 10% hota hai. Rule of 72 sirf ek stable dar par chalta hai. Isliye equity me ise "mota anuman" maaniye, waada nahi.
• Jahan beech me paisa daalte ya nikalte rahein — SIP ya har mahine jama karne wale plan me ye rule laagu nahi hota. Uske liye SIP calculator hi sahi hai.

Iska sabse achha istemaal kya hai? Dimaag me turant tulna karna. Kisi ne 12% ka plan dikhaya — 72 ÷ 12 = 6, yaani 6 saal me dugna. Ab poochiye: kya ye 6 saal me sach me dugna karega, aur kis risk par? Ye ek sawaal kai galat nivesh se bacha leta hai.

Aur agar koi "5 saal me paisa dugna" ka waada kare, to ulta lagaiye — 72 ÷ 5 ≈ 14.4% saalana. Jo isse bahut zyada waada kare, us par bharosa karne se pehle bahut soch lena chahiye.

Kis dar par paisa kitne saal me dugna

72 ko byaj dar se bhaag dijiye — jawab lagbhag saalon me aa jaata hai. Ye seedha table hai:

Aksar pooche jaane wale sawaal