{"id":6136,"date":"2026-11-02T12:29:46","date_gmt":"2026-11-02T09:29:46","guid":{"rendered":"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-patrimonio-neto\/"},"modified":"2026-11-02T12:29:46","modified_gmt":"2026-11-02T09:29:46","slug":"calculadora-patrimonio-neto","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-patrimonio-neto\/","title":{"rendered":"Calculadora de patrimonio neto"},"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\">Suma tus activos y tus deudas<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"6136\" data-favorite-title=\"Patrimonio neto\" data-favorite-url=\"https:\/\/wpcalc.com\/es\/finanzas\/calculadora-patrimonio-neto\/\" data-favorite-excerpt=\"Suma todo lo que tienes y resta todo lo que debes para conocer tu patrimonio neto en segundos. Introduce tus bienes, deudas, ingresos y edad para ver los totales, la relaci\u00f3n entre deudas y activos, tu patrimonio neto l\u00edquido y una comparaci\u00f3n con una referencia habitual.\" aria-label=\"A\u00f1adir a favoritos\" data-favorite-icon=\"icon icon-savings\">\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-patrimonio-neto\/\" method=\"POST\" class=\"calculator\" id=\"calculator-6136\" data-post=\"6136\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Activos<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Efectivo y cuentas corrientes<\/label><input type=\"text\" name=\"efectivo_y_cuentas_corrientes\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Cuentas de ahorro<\/label><input type=\"text\" name=\"cuentas_de_ahorro\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Cuentas de jubilaci\u00f3n (401k, IRA)<\/label><input type=\"text\" name=\"cuentas_de_jubilacin_401k_ira\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Inversiones en bolsa y otras inversiones<\/label><input type=\"text\" name=\"inversiones_en_bolsa_y_otras_inversiones\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Inmuebles<\/label><input type=\"text\" name=\"inmuebles\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"220000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Valor de mercado de tu vivienda y de cualquier otro inmueble que tengas.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Veh\u00edculos<\/label><input type=\"text\" name=\"vehculos\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Otros activos<\/label><input type=\"text\" name=\"otros_activos\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Por ejemplo, participaci\u00f3n en una empresa, objetos de valor o dinero que te deben.<\/small><\/div><div class=\"field is-single\" id=\"input-9\"><label for=\"field-9\">Filas adicionales de activos<\/label><div class=\"grid grid-cols-1\"><select id=\"field-9\" name=\"filas_adicionales_de_activos\"><option value=\"No extra rows\">Ninguna fila adicional<\/option><option value=\"1 extra row\">1 fila adicional<\/option><option value=\"2 extra rows\">2 filas adicionales<\/option><option value=\"3 extra rows\">3 filas adicionales<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-10\" hidden><label for=\"field-10\">Nombre del activo<\/label><input type=\"text\" name=\"nombre_del_activo\" id=\"field-10\" placeholder=\"Por ejemplo, participaci\u00f3n en una empresa\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-11\" hidden><label for=\"field-11\">Valor<\/label><input type=\"text\" name=\"valor\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\" hidden><label for=\"field-12\">Nombre del activo<\/label><input type=\"text\" name=\"nombre_del_activo\" id=\"field-12\" placeholder=\"Por ejemplo, criptomonedas\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-13\" hidden><label for=\"field-13\">Valor<\/label><input type=\"text\" name=\"valor\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-13\">$<\/div><\/div><div class=\"field\" id=\"input-14\" hidden><label for=\"field-14\">Nombre del activo<\/label><input type=\"text\" name=\"nombre_del_activo\" id=\"field-14\" placeholder=\"Por ejemplo, obras de arte y objetos de colecci\u00f3n\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-15\" hidden><label for=\"field-15\">Valor<\/label><input type=\"text\" name=\"valor\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"is-single field\" id=\"input-16\"><span class=\"font-semibold\">Pasivos<\/span><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Hipoteca<\/label><input type=\"text\" name=\"hipoteca\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"165000\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Capital pendiente de pago.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Pr\u00e9stamo con garant\u00eda hipotecaria<\/label><input type=\"text\" name=\"prstamo_con_garanta_hipotecaria\" id=\"field-18\" aria-describedby=\"calc-unit-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-18\">$<\/div><\/div><div class=\"field\" id=\"input-19\"><label for=\"field-19\">Pr\u00e9stamos para veh\u00edculos<\/label><input type=\"text\" name=\"prstamos_para_vehculos\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"8000\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Pr\u00e9stamos para estudios<\/label><input type=\"text\" name=\"prstamos_para_estudios\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Tarjetas de cr\u00e9dito<\/label><input type=\"text\" name=\"tarjetas_de_crdito\" id=\"field-21\" aria-describedby=\"calc-unit-21 calc-info-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2500\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><small id=\"calc-info-21\">Saldo total pendiente, no la cuota mensual.<\/small><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Pr\u00e9stamos personales<\/label><input type=\"text\" name=\"prstamos_personales\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"field\" id=\"input-23\"><label for=\"field-23\">Otras deudas<\/label><input type=\"text\" name=\"otras_deudas\" id=\"field-23\" aria-describedby=\"calc-unit-23 calc-info-23\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-23\">$<\/div><small id=\"calc-info-23\">Por ejemplo, impuestos pendientes, compras a plazos o pr\u00e9stamos familiares.<\/small><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Filas adicionales de pasivos<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"filas_adicionales_de_pasivos\"><option value=\"No extra rows\">Ninguna fila adicional<\/option><option value=\"1 extra row\">1 fila adicional<\/option><option value=\"2 extra rows\">2 filas adicionales<\/option><option value=\"3 extra rows\">3 filas adicionales<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Nombre de la deuda<\/label><input type=\"text\" name=\"nombre_de_la_deuda\" id=\"field-25\" placeholder=\"Por ejemplo, una factura m\u00e9dica\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Saldo pendiente<\/label><input type=\"text\" name=\"saldo_pendiente\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Nombre de la deuda<\/label><input type=\"text\" name=\"nombre_de_la_deuda\" id=\"field-27\" placeholder=\"Por ejemplo, impuestos atrasados\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Saldo pendiente<\/label><input type=\"text\" name=\"saldo_pendiente\" id=\"field-28\" aria-describedby=\"calc-unit-28\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-28\">$<\/div><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Nombre de la deuda<\/label><input type=\"text\" name=\"nombre_de_la_deuda\" id=\"field-29\" placeholder=\"Por ejemplo, un pr\u00e9stamo del plan 401k\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Saldo pendiente<\/label><input type=\"text\" name=\"saldo_pendiente\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">$<\/div><\/div><div class=\"is-single field\" id=\"input-31\"><span class=\"font-semibold\">Referencia opcional<\/span><\/div><div class=\"field is-single\" id=\"input-32\"><label for=\"field-32\">Edad<\/label><input type=\"text\" name=\"edad\" id=\"field-32\" aria-describedby=\"calc-info-32\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"120\" value=\"35\"\/><small id=\"calc-info-32\">Deja ambos campos vac\u00edos si no quieres hacer la comparaci\u00f3n.<\/small><\/div><div class=\"field is-single\" id=\"input-33\"><label for=\"field-33\">Ingresos anuales antes de impuestos<\/label><input type=\"text\" name=\"ingresos_anuales_antes_de_impuestos\" id=\"field-33\" aria-describedby=\"calc-unit-33\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"70000\"\/><div class=\"unit\" id=\"calc-unit-33\">$<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Recalcular\" id=\"calculate-button\" data-post=\"6136\">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> Resumen de tu patrimonio neto<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Total de activos<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/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>Total de pasivos<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/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>Patrimonio neto<\/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>Relaci\u00f3n entre deudas y activos<\/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>Patrimonio neto l\u00edquido<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/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-6\"><span class=\"field-title\"><span>Desglose de activos<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/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-7\"><span class=\"field-title\"><span>Desglose de pasivos<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/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-8\"><span class=\"field-title\"><span>Regla orientativa seg\u00fan edad e ingresos<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/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=\"6136\" 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>F\u00f3rmula del patrimonio neto<\/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\">\n\\[ \\text{Patrimonio neto} = \\text{Activos totales} - \\text{Deudas totales} \\]\n\\[ \\text{Relaci\u00f3n entre deudas y activos} = \\frac{\\text{Deudas totales}}{\\text{Activos totales}} \\times 100\\% \\]\n\\[ \\text{Patrimonio neto l\u00edquido} = \\text{Efectivo} + \\text{Ahorros} + \\text{Inversiones en valores} - \\text{Deudas de tarjetas} - \\text{Pr\u00e9stamos personales} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Donde:<\/strong><\/p>\n<ul>\n<li><em>Activos totales<\/em> \u2014 el valor actual de mercado de todo lo que tienes: efectivo, ahorros, cuentas de jubilaci\u00f3n y de inversi\u00f3n en valores, inmuebles, veh\u00edculos y otros bienes de valor<\/li>\n<li><em>Deudas totales<\/em> \u2014 el saldo pendiente de todas tus deudas: lo que queda por pagar de la hipoteca (no el valor de la vivienda), pr\u00e9stamos para veh\u00edculos y estudios, saldos de tarjetas de cr\u00e9dito, etc.<\/li>\n<\/ul>\n<p>El patrimonio neto es, sencillamente, la diferencia entre lo que tienes y lo que debes. La relaci\u00f3n entre deudas y activos indica qu\u00e9 parte de tus bienes est\u00e1 financiada con deuda; el patrimonio neto l\u00edquido muestra el dinero al que podr\u00edas acceder r\u00e1pidamente en caso de emergencia.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Ejemplo de c\u00e1lculo del patrimonio neto<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Ejemplo:<\/strong> una mujer de 35 a\u00f1os con unos ingresos anuales antes de impuestos de 70.000 $ tiene 4.000 $ en efectivo, 12.000 $ en ahorros, 65.000 $ en cuentas de jubilaci\u00f3n, 15.000 $ en inversiones en valores, una vivienda de 220.000 $, veh\u00edculos por valor de 12.000 $ y otros bienes por valor de 3.000 $. Debe 165.000 $ de la hipoteca, 8.000 $ de pr\u00e9stamos para veh\u00edculos, 15.000 $ de pr\u00e9stamos para estudios, 2.500 $ de tarjetas de cr\u00e9dito y 4.000 $ de pr\u00e9stamos personales.<\/p>\n<p>\\[ \\text{Activos} = 4{,}000 + 12{,}000 + 65{,}000 + 15{,}000 + 220{,}000 + 12{,}000 + 3{,}000 = \\$331{,}000 \\]<\/p>\n<p>\\[ \\text{Deudas} = 165{,}000 + 8{,}000 + 15{,}000 + 2{,}500 + 4{,}000 = \\$194{,}500 \\]<\/p>\n<p>\\[ \\text{Patrimonio neto} = 331{,}000 - 194{,}500 = \\$136{,}500 \\]<\/p>\n<p>\\[ \\text{Relaci\u00f3n entre deudas y activos} = \\frac{194{,}500}{331{,}000} \\times 100\\% \\approx 58.76\\% \\]<\/p>\n<p>\\[ \\text{Patrimonio neto l\u00edquido} = 4{,}000 + 12{,}000 + 15{,}000 - 2{,}500 - 4{,}000 = \\$24{,}500 \\]<\/p>\n<p><strong>Resultado:<\/strong> su patrimonio neto es de 136.500 $, de los cuales 24.500 $ son l\u00edquidos. La referencia basada en la edad y los ingresos (35 \u00d7 70.000 $ \u00f7 10) es de 245.000 $, as\u00ed que alcanza aproximadamente el 56 % de esa cifra.<\/p>\n<p>\n\r\n<\/section>\n<h2>C\u00f3mo usar la calculadora<\/h2>\n<ol>\n<li>Introduce el valor actual de cada bien en <strong>Activos<\/strong>: <strong>Efectivo y cuenta corriente<\/strong>, <strong>Cuentas de ahorro<\/strong>, <strong>Jubilaci\u00f3n (401k, IRA)<\/strong>, <strong>Cuenta de valores \/ inversiones<\/strong>, <strong>Inmuebles<\/strong>, <strong>Veh\u00edculos<\/strong> y <strong>Otros activos<\/strong>. Escribe 0 en los apartados que no correspondan.<\/li>\n<li>Si necesitas a\u00f1adir m\u00e1s activos, elige cu\u00e1ntas filas quieres en <strong>Filas adicionales de activos<\/strong> y escribe un nombre (p. ej.<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Suma todo lo que tienes y resta todo lo que debes para conocer tu patrimonio neto en segundos. Introduce tus bienes, deudas, ingresos y edad para ver los totales, la relaci\u00f3n entre deudas y activos, tu patrimonio neto l\u00edquido y una comparaci\u00f3n con una referencia habitual.<\/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":[52],"class_list":["post-6136","post","type-post","status-publish","format-standard","hentry","category-finanzas","tag-presupuesto"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/6136","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=6136"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/posts\/6136\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/media?parent=6136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/categories?post=6136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/es\/wp-json\/wp\/v2\/tags?post=6136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}