AraçlarFIRE Seyahat Hesaplayıcısı
Finansal Özgürlük Seyahat Hesaplayıcısı
Paran seyahatini ne kadar süre destekleyebilir? Üç senaryoda deterministik bir yıl yıl projeksiyonu, isteğe bağlı Monte Carlo simülasyonu ve tarihli maliyet tahminlerinden destinasyon karşılaştırmaları. Eğitim amaçlıdır, tavsiye niteliği taşımaz.
Ilımlı senaryo · 6.0% geri dön, 3.0% enflasyon
Örnek portföy seyri
Yıl yıl tablo (orta düzey)
| Yıl | Başla | Harcama | Gelir | Para çekme | WR % | Bitiş |
|---|---|---|---|---|---|---|
| 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 |
Ne $36,000 yıllık, destinasyona göre destekler
| Destinasyon | Aylık maliyet | Kapsanan ay / yıl | Yıllık maliyet ve bütçe |
|---|---|---|---|
| Pai Thailand · kirayla | $2,356 | 15.3 | 79% |
| Kathmandu Nepal · kirayla | $2,417 | 14.9 | 81% |
| Luang Prabang Laos · kirayla | $2,771 | 13.0 | 92% |
| Siem Reap Cambodia · kirayla | $2,782 | 12.9 | 93% |
| Da Nang Vietnam · kirayla | $2,821 | 12.8 | 94% |
| Chiang Mai Thailand · kirayla | $2,882 | 12.5 | 96% |
| Hoi An Vietnam · kirayla | $2,882 | 12.5 | 96% |
| Hanoi Vietnam · kirayla | $2,932 | 12.3 | 98% |
| Tirana Albania · kirayla | $2,952 | 12.2 | 98% |
| Tbilisi Georgia · kirayla | $3,052 | 11.8 | 102% |
| Kuala Lumpur Malaysia · kirayla | $3,062 | 11.8 | 102% |
| Ho Chi Minh City Vietnam · kirayla | $3,184 | 11.3 | 106% |
| Antigua Guatemala Guatemala · kirayla | $3,214 | 11.2 | 107% |
| Oaxaca Mexico · kirayla | $3,325 | 10.8 | 111% |
| Marrakech Morocco · kirayla | $3,366 | 10.7 | 112% |
| Medellín Colombia · kirayla | $3,425 | 10.5 | 114% |
| Lima Peru · kirayla | $3,497 | 10.3 | 117% |
| Buenos Aires Argentina · kirayla | $3,527 | 10.2 | 118% |
| Cusco Peru · kirayla | $3,570 | 10.1 | 119% |
| Bangkok Thailand · kirayla | $3,629 | 9.9 | 121% |
| Bali (Canggu and Ubud) Indonesia · kirayla | $3,992 | 9.0 | 133% |
| Cartagena Colombia · kirayla | $3,992 | 9.0 | 133% |
| Budapest Hungary · kirayla | $4,022 | 8.9 | 134% |
| Mexico City Mexico · kirayla | $4,031 | 8.9 | 134% |
| Rio de Janeiro Brazil · kirayla | $4,053 | 8.9 | 135% |
| Istanbul Türkiye (Turkey) · kirayla | $4,083 | 8.8 | 136% |
| Zanzibar (Stone Town and Paje) Tanzania · kirayla | $4,196 | 8.6 | 140% |
| Prague Czechia · kirayla | $4,244 | 8.5 | 141% |
| Las Palmas de Gran Canaria Spain · kirayla | $4,374 | 8.2 | 146% |
| Cape Town South Africa · kirayla | $4,396 | 8.2 | 147% |
| Seoul South Korea · kirayla | $4,396 | 8.2 | 147% |
| Athens Greece · kirayla | $4,609 | 7.8 | 154% |
| Porto Portugal · kirayla | $4,626 | 7.8 | 154% |
| Playa del Carmen Mexico · kirayla | $4,648 | 7.7 | 155% |
| Funchal (Madeira) Portugal · kirayla | $4,657 | 7.7 | 155% |
| Kyoto Japan · kirayla | $4,913 | 7.3 | 164% |
| Split Croatia · kirayla | $5,013 | 7.2 | 167% |
| Lisbon Portugal · kirayla | $5,261 | 6.8 | 175% |
| Tokyo Japan · kirayla | $5,517 | 6.5 | 184% |
| Barcelona Spain · kirayla | $5,817 | 6.2 | 194% |
Şuradaki aylık maliyet: Rahat kademe: tek yatak odalı kira tahmini (varsa) artı konaklama dışı günlük tahmin × 30,4; aksi hâlde tam günlük rakam × 30,4. Editoryal tahminler her destinasyon sayfasında tarihlendirilmiştir; uçuşlar ve sigorta dahil değildir.
Yukarıdaki herhangi bir konuda harekete geçmeden önce bunu okuyun. Bu, düzenlenebilir varsayımlara sahip eğitim amaçlı bir modeldir. Bir portföyün süreceğini vaat etmez, hiçbir planı güvenli olarak nitelendirmez, belirleyici görünümde getiri sırası riskini göz ardı eder, vergiyi sabit oranlı olarak basitleştirir ve ikamet durumunuz, sağlık hakkınız veya döviz maruziyetiniz hakkında hiçbir şey bilmez. Hukuki ve vergisel konuları ilgili ülkelerdeki uzman profesyonellerle doğrulayın.
Metodoloji
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. FIRE seyahat rehberleri →