Source: https://guthlabs.ai/docs/instruments/rule-of-72-70-114-estimator/

instrument / verified-clean

# Rule of 72 / 70 / 114 Estimator

The current ledger marks this instrument verified clean within the source-bound verification corpus.

Status: **VERIFIED_CLEAN**Lifecycle: **verified-clean**

## Inspectable records

[01**Overview**Purpose and lifecycle](<https://guthlabs.ai/docs/instruments/rule-of-72-70-114-estimator/>)[02**Mechanism**Method and assumptions](<https://guthlabs.ai/docs/instruments/rule-of-72-70-114-estimator/mechanism/>)[03**Implementation**Binding and validation](<https://guthlabs.ai/docs/instruments/rule-of-72-70-114-estimator/implementation/>)[04**Qualification**Evidence and errata](<https://guthlabs.ai/docs/instruments/rule-of-72-70-114-estimator/qualification/>)

## Ledger state

The current ledger marks this instrument verified clean within the source-bound verification corpus.

**Area**: Finance, Economics & Business (educational only — never individualized investment, tax, or legal advice)

**Tranche**: tranche-4

**Evidence ID**: t4-116

**Ledger rows**: 1

No ledger note is attached.

## Review findings

Rule 72 for doubling, Rule 70 as an alternate doubling approximation, and Rule 114 for tripling are standard quick approximations when the rate is entered in percentage points. Verdict is NEEDS_REVIEW because the spec does not explicitly resolve the input representation (for example, 6 versus 0.06) or define the required positive, nonzero rate constraint.

### Formula and scope findings

No additional record

### Unit assumptions

- The input must be an annual percentage expressed in percentage points: 6 means 6% per year, not 0.06.

- The formulas assume a constant annual rate and return approximate years.

- The rate is nominally annual; compounding frequency and reinvestment assumptions are not represented.

## Boundary hardening

**BREAK_CLAIMED** · SELF_FLAGGED

A zero annual rate makes every formula undefined, so the instrument must reject it. A convention mismatch between percentage points and decimal fractions can also produce results differing by a factor of 100. Negative or nonpositive rates should likewise be validated because the raw arithmetic can produce meaningless negative or undefined times.

## Errata and corrections

No applied erratum is attached to this unique-name record.

## Inspectable example

4 review vectors are recorded. One source-bound sample is shown below.

````
{
  "inputs": {
    "rate_percent": 6
  },
  "expected_outputs": {
    "years_to_double_rule72": 12,
    "years_to_triple_rule114": 19,
    "years_to_double_rule70": 11.6666666667
  },
  "working": "Double using Rule 72: 72 ÷ 6 = 12 years. Triple using Rule 114: 114 ÷ 6 = 19 years. Alternate double using Rule 70: 70 ÷ 6 = 11.6666666667 years."
}
````

## Related workflows

No source-defined multi-instrument workflow membership is recorded.

## Sources and evidence

These pointers bind the page to evidence. They do not grant authority or collapse verification into deployment.

- `VERIFIED_LEDGER.json · VERIFIED_CLEAN`

- `evidence-tranche4/tranche4-results.json`

- `BOUNDARY_HAZARD_CATALOG.json`