HerramientasCalculadora de viaje FIRE
La Calculadora de Libertad Financiera para Viajes
¿Cuánto tiempo podría tu dinero sustentar tus viajes? Una proyección determinista año a año en tres escenarios, una simulación de Monte Carlo opcional y comparaciones de destinos a partir de estimaciones de costos con fecha. Informativo, no asesoramiento.
Escenario moderado · 6.0% vuelta, 3.0% inflación
Trayectoria ilustrativa de la cartera
Tabla año por año (moderado)
| Año | Inicio | Gasto | Ingresos | Retiro | WR % | Fin |
|---|---|---|---|---|---|---|
| 1 | $1,010,000 | $40,000 | $0 | $44,444 | 4.40% | $1,020,592 |
| 2 | $1,020,592 | $41,200 | $0 | $45,778 | 4.49% | $1,030,379 |
| 3 | $1,030,379 | $42,436 | $0 | $47,151 | 4.58% | $1,039,272 |
| 4 | $1,039,272 | $43,709 | $0 | $48,566 | 4.67% | $1,047,176 |
| 5 | $1,047,176 | $45,020 | $0 | $50,023 | 4.78% | $1,053,991 |
| 6 | $1,053,991 | $46,371 | $0 | $51,523 | 4.89% | $1,059,609 |
| 7 | $1,059,609 | $47,762 | $0 | $53,069 | 5.01% | $1,063,913 |
| 8 | $1,063,913 | $49,195 | $0 | $54,661 | 5.14% | $1,066,779 |
| 9 | $1,066,779 | $50,671 | $0 | $56,301 | 5.28% | $1,068,075 |
| 10 | $1,068,075 | $52,191 | $0 | $57,990 | 5.43% | $1,067,660 |
| 11 | $1,067,660 | $53,757 | $0 | $59,730 | 5.59% | $1,065,383 |
| 12 | $1,065,383 | $55,369 | $0 | $61,522 | 5.77% | $1,061,081 |
| 13 | $1,061,081 | $57,030 | $0 | $63,367 | 5.97% | $1,054,584 |
| 14 | $1,054,584 | $58,741 | $0 | $65,268 | 6.19% | $1,045,707 |
| 15 | $1,045,707 | $60,504 | $0 | $67,226 | 6.43% | $1,034,254 |
| 16 | $1,034,254 | $62,319 | $0 | $69,243 | 6.69% | $1,020,016 |
| 17 | $1,020,016 | $64,188 | $0 | $71,320 | 6.99% | $1,002,772 |
| 18 | $1,002,772 | $66,114 | $0 | $73,460 | 7.33% | $982,283 |
| 19 | $982,283 | $68,097 | $0 | $75,664 | 7.70% | $958,296 |
| 20 | $958,296 | $70,140 | $0 | $77,934 | 8.13% | $930,543 |
| 21 | $930,543 | $72,244 | $0 | $80,272 | 8.63% | $898,737 |
| 22 | $898,737 | $74,412 | $0 | $82,680 | 9.20% | $862,573 |
| 23 | $862,573 | $76,644 | $0 | $85,160 | 9.87% | $821,725 |
| 24 | $821,725 | $78,943 | $0 | $87,715 | 10.67% | $775,849 |
| 25 | $775,849 | $81,312 | $0 | $90,346 | 11.64% | $724,576 |
| 26 | $724,576 | $83,751 | $0 | $93,057 | 12.84% | $667,516 |
| 27 | $667,516 | $86,264 | $0 | $95,849 | 14.36% | $604,252 |
| 28 | $604,252 | $88,852 | $0 | $98,724 | 16.34% | $534,344 |
| 29 | $534,344 | $91,517 | $0 | $101,686 | 19.03% | $457,319 |
| 30 | $457,319 | $94,263 | $0 | $104,736 | 22.90% | $372,680 |
| 31 | $372,680 | $97,090 | $0 | $107,878 | 28.95% | $279,896 |
| 32 | $279,896 | $100,003 | $0 | $111,115 | 39.70% | $178,402 |
| 33 | $178,402 | $103,003 | $0 | $114,448 | 64.15% | $67,599 |
| 34 | $67,599 | $106,093 | $0 | $117,882 | 174.38% | $-53,149 |
Qué $36,000 al año cubre, por destino
| Destino | Coste mensual | Meses cubiertos / año | Coste anual frente al presupuesto |
|---|---|---|---|
| Pai Thailand · con alquiler | $2,356 | 15.3 | 79% |
| Kathmandu Nepal · con alquiler | $2,417 | 14.9 | 81% |
| Luang Prabang Laos · con alquiler | $2,771 | 13.0 | 92% |
| Siem Reap Cambodia · con alquiler | $2,782 | 12.9 | 93% |
| Da Nang Vietnam · con alquiler | $2,821 | 12.8 | 94% |
| Chiang Mai Thailand · con alquiler | $2,882 | 12.5 | 96% |
| Hoi An Vietnam · con alquiler | $2,882 | 12.5 | 96% |
| Hanoi Vietnam · con alquiler | $2,932 | 12.3 | 98% |
| Tirana Albania · con alquiler | $2,952 | 12.2 | 98% |
| Tbilisi Georgia · con alquiler | $3,052 | 11.8 | 102% |
| Kuala Lumpur Malaysia · con alquiler | $3,062 | 11.8 | 102% |
| Ho Chi Minh City Vietnam · con alquiler | $3,184 | 11.3 | 106% |
| Antigua Guatemala Guatemala · con alquiler | $3,214 | 11.2 | 107% |
| Oaxaca Mexico · con alquiler | $3,325 | 10.8 | 111% |
| Marrakech Morocco · con alquiler | $3,366 | 10.7 | 112% |
| Medellín Colombia · con alquiler | $3,425 | 10.5 | 114% |
| Lima Peru · con alquiler | $3,497 | 10.3 | 117% |
| Buenos Aires Argentina · con alquiler | $3,527 | 10.2 | 118% |
| Cusco Peru · con alquiler | $3,570 | 10.1 | 119% |
| Bangkok Thailand · con alquiler | $3,629 | 9.9 | 121% |
| Bali (Canggu and Ubud) Indonesia · con alquiler | $3,992 | 9.0 | 133% |
| Cartagena Colombia · con alquiler | $3,992 | 9.0 | 133% |
| Budapest Hungary · con alquiler | $4,022 | 8.9 | 134% |
| Mexico City Mexico · con alquiler | $4,031 | 8.9 | 134% |
| Rio de Janeiro Brazil · con alquiler | $4,053 | 8.9 | 135% |
| Istanbul Türkiye (Turkey) · con alquiler | $4,083 | 8.8 | 136% |
| Zanzibar (Stone Town and Paje) Tanzania · con alquiler | $4,196 | 8.6 | 140% |
| Prague Czechia · con alquiler | $4,244 | 8.5 | 141% |
| Las Palmas de Gran Canaria Spain · con alquiler | $4,374 | 8.2 | 146% |
| Cape Town South Africa · con alquiler | $4,396 | 8.2 | 147% |
| Seoul South Korea · con alquiler | $4,396 | 8.2 | 147% |
| Athens Greece · con alquiler | $4,609 | 7.8 | 154% |
| Porto Portugal · con alquiler | $4,626 | 7.8 | 154% |
| Playa del Carmen Mexico · con alquiler | $4,648 | 7.7 | 155% |
| Funchal (Madeira) Portugal · con alquiler | $4,657 | 7.7 | 155% |
| Kyoto Japan · con alquiler | $4,913 | 7.3 | 164% |
| Split Croatia · con alquiler | $5,013 | 7.2 | 167% |
| Lisbon Portugal · con alquiler | $5,261 | 6.8 | 175% |
| Tokyo Japan · con alquiler | $5,517 | 6.5 | 184% |
| Barcelona Spain · con alquiler | $5,817 | 6.2 | 194% |
Coste mensual en Cómodo nivel: estimación del alquiler de habitación individual (cuando se dispone de ella) más la estimación diaria sin alojamiento multiplicada por 30,4; en caso contrario, la cifra diaria completa multiplicada por 30,4. Estimaciones editoriales con fecha en cada página de destino; excluyen vuelos y seguro.
Lee esto antes de actuar según cualquier dato anterior. Este es un modelo educativo con supuestos editables. No garantiza que una cartera dure, no califica ningún plan como seguro, ignora el riesgo de secuencia de rendimientos en la vista determinista, simplifica los impuestos a una tasa plana y no sabe nada sobre tu residencia, derechos sanitarios ni exposición a divisas. Verifica los aspectos legales y fiscales con profesionales cualificados en los países correspondientes.
Metodología
Deterministic model: each year, spending (travel + healthcare) minus income (passive + pension + social) is withdrawn grossed up for the tax rate; the remainder grows at the net return (return − fees); spending inflates at the inflation rate and income at half of it. Starting balance = portfolio + cash − emergency reserve. Scenarios shift return by −2 / 0 / +1.5 points and inflation by +1 / 0 / −0.5. Monte Carlo draws lognormal returns calibrated to the arithmetic mean and volatility you enter. The destination table uses the same dated cost estimates as every other page. Guías de viaje FIRE →