FerramentasCalculadora FIRE Travel
A Calculadora de Liberdade Financeira para Viagens
Quanto tempo o seu dinheiro consegue sustentar as suas viagens? Uma projeção determinística ano a ano em três cenários, uma simulação de Monte Carlo opcional e comparações de destinos com base em estimativas de custo datadas. Educativo, não é aconselhamento financeiro.
Cenário moderado · 6.0% regresso, 3.0% inflação
Trajetória de portfólio ilustrativa
Tabela ano a ano (moderado)
| Ano | Início | Gastar | Rendimento | Saque | WR % | Fim |
|---|---|---|---|---|---|---|
| 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 |
O quê $36,000 por ano suporta, por destino
| Destino | Custo mensal | Meses cobertos / ano | Custo anual versus orçamento |
|---|---|---|---|
| Pai Thailand · com aluguel | $2,356 | 15.3 | 79% |
| Kathmandu Nepal · com aluguel | $2,417 | 14.9 | 81% |
| Luang Prabang Laos · com aluguel | $2,771 | 13.0 | 92% |
| Siem Reap Cambodia · com aluguel | $2,782 | 12.9 | 93% |
| Da Nang Vietnam · com aluguel | $2,821 | 12.8 | 94% |
| Chiang Mai Thailand · com aluguel | $2,882 | 12.5 | 96% |
| Hoi An Vietnam · com aluguel | $2,882 | 12.5 | 96% |
| Hanoi Vietnam · com aluguel | $2,932 | 12.3 | 98% |
| Tirana Albania · com aluguel | $2,952 | 12.2 | 98% |
| Tbilisi Georgia · com aluguel | $3,052 | 11.8 | 102% |
| Kuala Lumpur Malaysia · com aluguel | $3,062 | 11.8 | 102% |
| Ho Chi Minh City Vietnam · com aluguel | $3,184 | 11.3 | 106% |
| Antigua Guatemala Guatemala · com aluguel | $3,214 | 11.2 | 107% |
| Oaxaca Mexico · com aluguel | $3,325 | 10.8 | 111% |
| Marrakech Morocco · com aluguel | $3,366 | 10.7 | 112% |
| Medellín Colombia · com aluguel | $3,425 | 10.5 | 114% |
| Lima Peru · com aluguel | $3,497 | 10.3 | 117% |
| Buenos Aires Argentina · com aluguel | $3,527 | 10.2 | 118% |
| Cusco Peru · com aluguel | $3,570 | 10.1 | 119% |
| Bangkok Thailand · com aluguel | $3,629 | 9.9 | 121% |
| Bali (Canggu and Ubud) Indonesia · com aluguel | $3,992 | 9.0 | 133% |
| Cartagena Colombia · com aluguel | $3,992 | 9.0 | 133% |
| Budapest Hungary · com aluguel | $4,022 | 8.9 | 134% |
| Mexico City Mexico · com aluguel | $4,031 | 8.9 | 134% |
| Rio de Janeiro Brazil · com aluguel | $4,053 | 8.9 | 135% |
| Istanbul Türkiye (Turkey) · com aluguel | $4,083 | 8.8 | 136% |
| Zanzibar (Stone Town and Paje) Tanzania · com aluguel | $4,196 | 8.6 | 140% |
| Prague Czechia · com aluguel | $4,244 | 8.5 | 141% |
| Las Palmas de Gran Canaria Spain · com aluguel | $4,374 | 8.2 | 146% |
| Cape Town South Africa · com aluguel | $4,396 | 8.2 | 147% |
| Seoul South Korea · com aluguel | $4,396 | 8.2 | 147% |
| Athens Greece · com aluguel | $4,609 | 7.8 | 154% |
| Porto Portugal · com aluguel | $4,626 | 7.8 | 154% |
| Playa del Carmen Mexico · com aluguel | $4,648 | 7.7 | 155% |
| Funchal (Madeira) Portugal · com aluguel | $4,657 | 7.7 | 155% |
| Kyoto Japan · com aluguel | $4,913 | 7.3 | 164% |
| Split Croatia · com aluguel | $5,013 | 7.2 | 167% |
| Lisbon Portugal · com aluguel | $5,261 | 6.8 | 175% |
| Tokyo Japan · com aluguel | $5,517 | 6.5 | 184% |
| Barcelona Spain · com aluguel | $5,817 | 6.2 | 194% |
Custo mensal no Confortável nível: estimativa de renda de quarto individual (quando disponível) mais a estimativa diária sem alojamento × 30,4; caso contrário, o valor diário total × 30,4. Estimativas editoriais com data em cada página de destino; excluem voos e seguro.
Leia isto antes de agir com base em qualquer informação acima. Este é um modelo educacional com premissas editáveis. Ele não garante que um portfólio será duradouro, não classifica nenhum plano como seguro, ignora o risco de sequência de retornos na visão determinística, simplifica os impostos a uma alíquota fixa e não sabe nada sobre sua residência, direitos de saúde ou exposição cambial. Verifique questões legais e fiscais com profissionais qualificados nos países envolvidos.
Metodologia
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. Guias de viagem FIRE →