{"id":6115,"date":"2026-11-02T12:16:18","date_gmt":"2026-11-02T09:16:18","guid":{"rendered":"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-fire\/"},"modified":"2026-11-02T12:16:18","modified_gmt":"2026-11-02T09:16:18","slug":"calculadora-fire","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-fire\/","title":{"rendered":"Calculadora FIRE: Coast FIRE y capital para la jubilaci\u00f3n"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Calcula tu cifra FIRE y cu\u00e1ndo podr\u00e1s jubilarte<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"6115\" data-favorite-title=\"FIRE\" data-favorite-url=\"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-fire\/\" data-favorite-excerpt=\"Calcula el capital que necesitas para FIRE, tambi\u00e9n en sus variantes Lean, Fat y Coast, cu\u00e1ntos a\u00f1os tardar\u00e1s en alcanzarlo y a qu\u00e9 edad lograr\u00e1s la independencia financiera. Introduce tus ahorros, gastos, rentabilidad esperada y tasa de retirada segura.\" aria-label=\"A\u00f1adir a favoritos\" data-favorite-icon=\"icon icon-currency-exchange-2\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-fire\/\" method=\"POST\" class=\"calculator\" id=\"calculator-6115\" data-post=\"6115\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Edad actual<\/label><input type=\"text\" name=\"edad_actual\" id=\"field-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"18\" max=\"80\" value=\"30\"\/><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Ahorros invertidos actualmente<\/label><input type=\"text\" name=\"ahorros_invertidos_actualmente\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"50000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Dinero que ya tienes invertido en cuentas de jubilaci\u00f3n y de inversi\u00f3n; no incluyas efectivo, el valor de tu vivienda ni otros activos.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Ingresos anuales netos<\/label><input type=\"text\" name=\"ingresos_anuales_netos\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"80000\"\/><div class=\"unit\" id=\"calc-unit-3\">$\/a\u00f1o<\/div><small id=\"calc-info-3\">Lo que cobras despu\u00e9s de impuestos. Se utiliza para calcular la tasa de ahorro.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Gastos anuales<\/label><input type=\"text\" name=\"gastos_anuales\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"40000\"\/><div class=\"unit\" id=\"calc-unit-4\">$\/a\u00f1o<\/div><small id=\"calc-info-4\">Lo que prev\u00e9s gastar cada a\u00f1o durante la jubilaci\u00f3n; esta cantidad determina tu cifra FIRE.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Ahorro anual<\/label><div class=\"field-group\"><input type=\"text\" name=\"ahorro_anual\" id=\"field-5\" aria-describedby=\"calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"modalidad\" aria-label=\"Modalidad\"><option value=\"usd\" selected>$ al a\u00f1o<\/option><option value=\"pct\">% de los ingresos<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-5\">Cantidad que a\u00f1ades a tus inversiones cada a\u00f1o.<\/small><\/div><div class=\"field has-term\" id=\"input-6\"><label for=\"field-7\">Rentabilidad real prevista<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"rentabilidad_real_prevista\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"15\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><small id=\"calc-info-7\">Rentabilidad anual real, descontada la inflaci\u00f3n. A largo plazo, las acciones mundiales han ofrecido una rentabilidad real de aproximadamente el 5\u20137 %.<\/small><\/div><div class=\"field has-term\" id=\"input-7\"><label for=\"field-8\">Tasa de retirada segura<\/label><div class=\"term\">TRS<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"tasa_de_retirada_segura\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.1\" max=\"25\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-8\">%<\/div><small id=\"calc-info-8\">Porcentaje de la cartera que puedes retirar cada a\u00f1o. Cifra FIRE = gastos anuales \u00f7 tasa de retirada segura; el 4 % es la regla orientativa cl\u00e1sica.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-9\">Edad objetivo para Coast FIRE<\/label><input type=\"text\" name=\"edad_objetivo_para_coast_fire\" id=\"field-9\" aria-describedby=\"calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"19\" max=\"95\" value=\"50\"\/><small id=\"calc-info-9\">Cifra Coast FIRE = cifra FIRE \u00f7 (1+r)^(edad objetivo \u2212 edad actual): lo que necesitar\u00edas hoy para que tus ahorros, sin nuevas aportaciones, crezcan hasta alcanzar tu cifra FIRE a esa edad.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"6115\">Calcular<\/button><button type=\"reset\">Restablecer<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular autom\u00e1ticamente<\/label><small>Si est\u00e1 activado, el resultado se actualizar\u00e1 autom\u00e1ticamente al cambiar cualquier valor.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Tu plan FIRE<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Cifra FIRE (cantidad necesaria para jubilarte)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>A\u00f1os hasta alcanzar FIRE<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"a\u00f1os\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Edad a la que alcanzar\u00e1s FIRE<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Tasa de ahorro<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Cifra Lean FIRE (70 % de los gastos)<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>A\u00f1os hasta alcanzar Lean FIRE<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"a\u00f1os\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Cifra Fat FIRE (150 % de los gastos)<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-8\"><span class=\"field-title\"><span>A\u00f1os hasta alcanzar Fat FIRE<\/span><\/span><span class=\"field-value\" id=\"result-8\" data-unit=\"a\u00f1os\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-9\"><span class=\"field-title\"><span>Cifra Coast FIRE a d\u00eda de hoy<\/span><\/span><span class=\"field-value\" id=\"result-9\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-10\"><span class=\"field-title\"><span>Situaci\u00f3n respecto a Coast FIRE<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-11\"><span class=\"field-title\"><span>Evoluci\u00f3n prevista de tus ahorros frente a tus objetivos FIRE<\/span><\/span><span class=\"field-value\" id=\"result-11\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-12\"><span class=\"field-title\"><span>Proyecci\u00f3n a\u00f1o a a\u00f1o<\/span><\/span><span class=\"field-value\" id=\"result-12\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copiar enlace a este c\u00e1lculo<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Dejar un comentario<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"6115\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">\u00bfQu\u00e9 te ha parecido este resultado?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Me gusta <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">\u00datil <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confuso <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Decepcionado <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Inexacto <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Formula of the Calculadora FIRE: Coast FIRE y capital para la jubilaci\u00f3n<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\"><\/div>\r\n\t<\/figure>\r\n\t\r\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Calcula el capital que necesitas para FIRE, tambi\u00e9n en sus variantes Lean, Fat y Coast, cu\u00e1ntos a\u00f1os tardar\u00e1s en alcanzarlo y a qu\u00e9 edad lograr\u00e1s la independencia financiera. Introduce tus ahorros, gastos, rentabilidad esperada y tasa de retirada segura.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[28],"class_list":["post-6115","post","type-post","status-publish","format-standard","hentry","category-finanzas","tag-inversion"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/6115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/comments?post=6115"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/6115\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/media?parent=6115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/categories?post=6115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/tags?post=6115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}