CALCULADORA INDEPENDENCIA FINANCIERA – Sergiocripto Academia

¿Cuándo eres financieramente libre?

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Tu metodologia de inversion

¿Cuando eres
financieramente libre?

El grafico se actualiza en tiempo real. Cuando las barras superen la linea roja, tus inversiones cubren todos tus gastos hasta los 100 anos.

Patrimonio vs Capital necesario

Barras = tu patrimonio. Linea roja = lo que necesitas para ser libre. Linea dorada = tu momento.

anos para la IF

Portafolio

Shorts

DeFi

Airdrops

Capital necesario

Tu momento libre

Patrimonio ano 20

Renta DeFi / mes

Impuestos / ano

Tu edad en la IF

Situacion personal

Edad actual

Gastos anuales (EUR)

Inflacion estimada (%)

Plan de inversion

Capital actual invertido (EUR)

Aportacion mensual (EUR)

Las 4 patas - por ciclo completo

Distribucion del capital 100%

Portafolio

65% del capital

% asignado

% ano alcista

% ano bajista

Media ciclo (2 alc + 1 baj)

Shorts

15% del capital

% asignado

% ano alcista

% ano bajista

Media ciclo (2 alc + 1 baj)

Arriesga 2-3% por operativa. En bajista los shorts cobran protagonismo.

DeFi / Pasivos

20% del capital

% asignado

% ano alcista

% ano bajista

Media ciclo (2 alc + 1 baj)

Airdrops

Ingresos extra

EUR extra al ano (brutos)

Ponlo conservador. Cualquier extra acelera el proceso.

Escenario pesimista

Anade un ano bajista extra al ciclo (2 alc + 2 baj)

Capital necesario para cubrir gastos hasta los 100

Gasto anual en el momento IF (con inflacion)

Patrimonio acumulado ese ano

Patrimonio ano 20

Renta mensual DeFi

Total aportado

Total impuestos 20 anos

Impuestos medios / ano

Como calculamos la rentabilidad media del ciclo

El mercado cripto sigue ciclos de aproximadamente 3 anos. Proyectar solo con el ano alcista daria numeros irreales. Lo correcto es usar la media geometrica del ciclo completo: 2 anos alcistas y 1 bajista.

Ejemplo con Portafolio: alcista +80%, bajista -30%:

Ano 1

+80%

Alcista

Ano 2

+80%

Alcista

Ano 3

-30%

Bajista

Producto: 1.80 x 1.80 x 0.70 = 2.268

Media anual = raiz_cubica(2.268) - 1 = +31.4% anual real

Con escenario pesimista: ciclo de 4 anos (2alc + 2baj), media mas conservadora.

Este metodo se llama media geometrica y es el unico correcto para rentabilidades compuestas. La media aritmetica sobreestima porque ignora el efecto de las perdidas sobre el capital acumulado.

Con ese capital puedo retirarme?

Si, pero con una condicion clave

El capital necesario es la cantidad que, bien invertida y generando la rentabilidad media de tu portfolio, cubre todos tus gastos anuales ajustados por inflacion hasta los 100 anos sin que el dinero se acabe.

La clave: ese capital tiene que seguir invertido y trabajando. Cada ano retiras solo lo que necesitas para vivir y el resto continua generando rentabilidad. Eso es exactamente lo que significa la independencia financiera: el dinero trabaja para ti, no al reves.

Como se calcula el capital necesario

Se usa la formula del valor presente de una renta vitalicia creciente: cuanto dinero necesitas para que, generando tu rentabilidad neta y retirando cada ano tus gastos ajustados por inflacion, el dinero dure hasta los 100.

Capital = Gasto_anual x (1 - ((1+g)/(1+r))^n) / (r - g)

r = rentabilidad neta anual media | g = inflacion | n = anos hasta los 100

Lo que esta calculadora no puede predecir

Los ciclos cripto no son exactos. Las rentabilidades reales variaran. Estos calculos son proyecciones orientativas basadas en medias historicas, no garantias. Usalos como brujula para tener claridad sobre el camino.

Proyecciones orientativas. Impuestos al 21% sobre beneficios anuales. Inflacion aplicada a gastos futuros. Media geometrica: 2 anos alcistas + 1 bajista.