Half-Life Calculator

Written by:
PK

How long until something loses half its value? This half-life calculator tells you how many periods it takes for a quantity to decay to 50% of its starting value given a constant rate of decline.

Half-Life Calculator

Using the half-life calculator

Enter the Rate per period as a percentage. For decay, use a negative rate (e.g., -5 for 5% decline per period). The calculator instantly shows how many periods until the quantity reaches half its original value.

The period can be whatever timeframe matches your rate: years, months, days – the math works the same.

The half-life formula

The formula for half-life is:

t_{1/2} = \frac{\ln(0.5)}{\ln(1 + r)} = \frac{-\ln(2)}{\ln(1 + r)}

Where r is the rate per period as a decimal (e.g., -5% = -0.05).

Since ln(0.5) = -ln(2), the half-life formula is essentially the doubling time formula with a sign flip.

Example: depreciation at 15% per year

How long until a car loses half its value at 15% annual depreciation?

t_{1/2} = \frac{\ln(0.5)}{\ln(1 - 0.15)} = \frac{-0.693}{-0.163} \approx 4.27 \text{ years}

At 15% depreciation, your car loses half its value in about 4.3 years.

The Rule of 70 for decay

Just like the Rule of 72 for doubling, there's a quick approximation for half-life:

\text{Half-life} \approx \frac{70}{\text{decay rate \%}}

At 10% decay, half-life is roughly 70 / 10 = 7 periods. At 5% decay, about 70 / 5 = 14 periods. The shorthand works best between roughly 5 and 15%.

We use 70 instead of 72 because ln(2) × 100 ≈ 69.3, and for decay (where the base is less than 1), the approximation works slightly better with 70.

Applications of half-life

Half-life appears in many contexts:

  • Radioactive decay: The original use – how long until half the atoms decay ☢️. (You figure out how it relates to new versions of Half Life coming out!).
  • Asset depreciation: Cars, equipment, and other depreciating assets.
  • Drug metabolism: How long until half a medication leaves your system.
  • Population decline: Species or regional population decreases.
  • Market share erosion: How fast a company loses ground to competitors. Relatively, that is - the market could be expanding, of course.

Half-life vs. doubling time

Half-life and doubling time are roughly – but not perfectly – mirror images. If something grows at +7% per period, it doubles in about 10.2 periods. If it declines at -7% per period, it halves in about 9.6 periods.

(Vaseline on the mirror, I guess.)

The asymmetry exists because the math of exponential change isn't symmetric: losing 7% of 100 gives you 93, but gaining 7% of 93 only gives you 99.5 – not quite back to 100.

      

PK

PK started DQYDJ in 2009 to research and discuss finance and investing and help answer financial questions. He's expanded DQYDJ to build visualizations, calculators, and interactive tools.

PK lives in New Hampshire with his wife, kids, and dog.

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