How It Works
- Current total portfolio value across all asset categories
- Expected annual return rates for each asset
- Monthly recurring contributions for each asset
- Month-by-month compound growth simulation
- Target is automatically set to 2× your current value
- Debt is excluded to focus purely on asset growth
Key Assumptions
- 1Expected returns remain consistent over time
- 2Returns compound monthly without interruption
- 3Monthly contributions continue at current levels
- 4All asset categories with prediction enabled are included
- 5No major market disruptions or extraordinary events
- 6Tax implications are not considered in calculations
Mathematical Approach
The prediction runs a month-by-month simulation. Each month, for each asset: New Value = Current Value + (Current Value × Monthly Return) + Monthly Contribution Where: Monthly Return = Expected Annual Return / 12 Monthly Contribution = Recurring investment amount The simulation continues until the total portfolio value reaches 2× the starting value. Unlike the classic "Rule of 72" shortcut, this is a full simulation of your actual assets and contributions — each asset compounds at its own rate.
Important Limitations
- Market volatility not considered
- Inflation impact not included
- External economic factors excluded
- Results become less accurate over longer periods
Important: All predictions are estimates based on assumptions and should not be considered as guaranteed outcomes. Actual results may vary significantly due to market conditions, economic changes, and personal circumstances.
Frequently Asked Questions
How long does it take for investments to double?
It depends on your return rate and contributions. At a 7% annual return with no contributions, money doubles in roughly 10 years. Wealth Path simulates your actual portfolio — each asset compounding at its own expected return, plus your monthly contributions — rather than using the Rule of 72 shortcut.
Is Time to Double free in Wealth Path?
Yes — Time to Double is fully available on the free tier, with no subscription required.
Run Time to Double on your own numbers
Wealth Path is free to download on iOS and Android — Time to Double is included in the free tier.
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The information and calculations provided are for informational and educational purposes only and should not be considered financial, investment, or professional advice. Projections are hypothetical, based on assumptions that may not reflect actual market conditions. Past performance does not guarantee future results, and all investments carry risk of loss. Consult a qualified financial professional before making financial decisions.