INDEPENDENCIA FINANCIERA.

Calcula el porcentaje de tus gastos cubiertos con rentas pasivas en función del porcentaje de tus ahorros y del tiempo transcurrido

A Rentabilidad: 3.5% Rentabilidad neta típica de tus rentas tras pagos de impuestos y comisiones (p.ejemplo rentas de $D$3s)
B Crecimiento empresarial: 6.0% Crecimiento anual de nuestros activos (revalorización BPA de empresas)
C Extra gestor: 0.0% Rentabilidad extra de buen inversor (-3,5% malo, 0% normal; 5% si profesional)
D Inflación: 2.0% Inflación futura estimada (2% es el objetivo por políticas económicas en zona euro) www.olvidatedetucerdito.com
Rentabilidad neta: 7.5% A+B+C-D (Rentabilidad anual estimada de tus inversiones)

Porcentaje de tus porcentaje que ahorras sobre tus gastos ( y fila abajo sobre tus ingresos salariales)**
gastos cubiertos por
rentas (*) (si es mayor 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% 22% 25% 30% 35% 40% 45% 50% 55% 60% 70% 80% 90% 100% 120% 150% 200% 300% 400% 600%
del 100% => I.F.)
2% 4% 6% 7% 9% 11% 12% 14% 15% 17% 18% 20% 23% 26% 29% 31% 33% 35% 38% 41% 44% 47% 50% 55% 60% 67% 75% 80% 86%
1 0.1% 0.2% 0.2% 0.3% 0.4% 0.5% 0.5% 0.6% 0.7% 0.8% 0.8% 0.9% 1.1% 1.3% 1.5% 1.7% 1.9% 2.1% 2.3% 2.6% 3.0% 3.4% 3.8% 4.5% 5.6% 7.5% 11.3% 15.1% 22.6%
2 0.2% 0.3% 0.5% 0.6% 0.8% 0.9% 1.1% 1.2% 1.4% 1.6% 1.7% 2.0% 2.3% 2.7% 3.1% 3.5% 3.9% 4.3% 4.7% 5.5% 6.2% 7.0% 7.8% 9.4% 11.7% 15.6% 23.4% 31.2% 46.8%
3 0.2% 0.5% 0.7% 1.0% 1.2% 1.5% 1.7% 1.9% 2.2% 2.4% 2.7% 3.0% 3.6% 4.3% 4.9% 5.5% 6.1% 6.7% 7.3% 8.5% 9.7% 10.9% 12.2% 14.6% 18.2% 24.3% 36.5% 48.6% 72.9%
4 0.3% 0.7% 1.0% 1.3% 1.7% 2.0% 2.4% 2.7% 3.0% 3.4% 3.7% 4.2% 5.0% 5.9% 6.7% 7.6% 8.4% 9.3% 10.1% 11.8% 13.5% 15.1% 16.8% 20.2% 25.2% 33.7% 50.5% 67.3% 101.0%
5 0.4% 0.9% 1.3% 1.7% 2.2% 2.6% 3.1% 3.5% 3.9% 4.4% 4.8% 5.5% 6.6% 7.6% 8.7% 9.8% 10.9% 12.0% 13.1% 15.3% 17.5% 19.7% 21.9% 26.2% 32.8% 43.7% 65.6% 87.4% 131.1%
6 0.5% 1.1% 1.6% 2.2% 2.7% 3.3% 3.8% 4.4% 4.9% 5.5% 6.0% 6.8% 8.2% 9.5% 10.9% 12.3% 13.6% 15.0% 16.4% 19.1% 21.8% 24.5% 27.3% 32.7% 40.9% 54.5% 81.8% 109.0% 163.5%
7 0.7% 1.3% 2.0% 2.6% 3.3% 4.0% 4.6% 5.3% 6.0% 6.6% 7.3% 8.3% 9.9% 11.6% 13.2% 14.9% 16.5% 18.2% 19.8% 23.1% 26.4% 29.8% 33.1% 39.7% 49.6% 66.1% 99.2% 132.2% 198.4%
8 0.8% 1.6% 2.4% 3.1% 3.9% 4.7% 5.5% 6.3% 7.1% 7.9% 8.6% 9.8% 11.8% 13.8% 15.7% 17.7% 19.7% 21.6% 23.6% 27.5% 31.4% 35.4% 39.3% 47.2% 59.0% 78.6% 117.9% 157.2% 235.8%
9 0.9% 1.8% 2.8% 3.7% 4.6% 5.5% 6.4% 7.4% 8.3% 9.2% 10.1% 11.5% 13.8% 16.1% 18.4% 20.7% 23.0% 25.3% 27.6% 32.2% 36.8% 41.4% 46.0% 55.2% 69.0% 92.0% 138.0% 184.1% 276.1%
10 1.1% 2.1% 3.2% 4.3% 5.3% 6.4% 7.5% 8.5% 9.6% 10.6% 11.7% 13.3% 16.0% 18.6% 21.3% 24.0% 26.6% 29.3% 31.9% 37.3% 42.6% 47.9% 53.2% 63.9% 79.8% 106.5% 159.7% 212.9% 319.4%
11 1.2% 2.4% 3.7% 4.9% 6.1% 7.3% 8.5% 9.8% 11.0% 12.2% 13.4% 15.2% 18.3% 21.3% 24.4% 27.4% 30.5% 33.5% 36.6% 42.7% 48.8% 54.9% 61.0% 73.2% 91.5% 122.0% 182.9% 243.9% 365.9%
12 1.4% 2.8% 4.2% 5.5% 6.9% 8.3% 9.7% 11.1% 12.5% 13.9% 15.3% 17.3% 20.8% 24.3% 27.7% 31.2% 34.7% 38.1% 41.6% 48.5% 55.5% 62.4% 69.3% 83.2% 104.0% 138.6% 208.0% 277.3% 415.9%
13 1.6% 3.1% 4.7% 6.3% 7.8% 9.4% 11.0% 12.5% 14.1% 15.7% 17.2% 19.6% 23.5% 27.4% 31.3% 35.2% 39.1% 43.1% 47.0% 54.8% 62.6% 70.5% 78.3% 93.9% 117.4% 156.6% 234.8% 313.1% 469.7%
14 1.8% 3.5% 5.3% 7.0% 8.8% 10.5% 12.3% 14.1% 15.8% 17.6% 19.3% 22.0% 26.4% 30.8% 35.2% 39.6% 44.0% 48.4% 52.7% 61.5% 70.3% 79.1% 87.9% 105.5% 131.9% 175.8% 263.7% 351.7% 527.5%
15 2.0% 3.9% 5.9% 7.9% 9.8% 11.8% 13.8% 15.7% 17.7% 19.7% 21.6% 24.6% 29.5% 34.4% 39.3% 44.2% 49.1% 54.0% 59.0% 68.8% 78.6% 88.4% 98.3% 117.9% 147.4% 196.5% 294.8% 393.1% 589.6%
16 2.2% 4.4% 6.6% 8.8% 10.9% 13.1% 15.3% 17.5% 19.7% 21.9% 24.1% 27.4% 32.8% 38.3% 43.8% 49.2% 54.7% 60.2% 65.6% 76.6% 87.5% 98.5% 109.4% 131.3% 164.1% 218.8% 328.2% 437.6% 656.4%
17 2.4% 4.9% 7.3% 9.7% 12.1% 14.6% 17.0% 19.4% 21.8% 24.3% 26.7% 30.3% 36.4% 42.5% 48.5% 54.6% 60.7% 66.8% 72.8% 85.0% 97.1% 109.2% 121.4% 145.6% 182.1% 242.7% 364.1% 485.5% 728.2%
18 2.7% 5.4% 8.1% 10.7% 13.4% 16.1% 18.8% 21.5% 24.2% 26.8% 29.5% 33.6% 40.3% 47.0% 53.7% 60.4% 67.1% 73.8% 80.5% 94.0% 107.4% 120.8% 134.2% 161.1% 201.4% 268.5% 402.7% 536.9% 805.4%
19 3.0% 5.9% 8.9% 11.8% 14.8% 17.8% 20.7% 23.7% 26.7% 29.6% 32.6% 37.0% 44.4% 51.8% 59.2% 66.6% 74.0% 81.4% 88.8% 103.6% 118.5% 133.3% 148.1% 177.7% 222.1% 296.1% 444.2% 592.3% 888.4%
20 3.3% 6.5% 9.8% 13.0% 16.3% 19.6% 22.8% 26.1% 29.3% 32.6% 35.8% 40.7% 48.9% 57.0% 65.2% 73.3% 81.5% 89.6% 97.8% 114.1% 130.3% 146.6% 162.9% 195.5% 244.4% 325.9% 488.8% 651.7% 977.6%
21 3.6% 7.2% 10.7% 14.3% 17.9% 21.5% 25.0% 28.6% 32.2% 35.8% 39.4% 44.7% 53.7% 62.6% 71.6% 80.5% 89.5% 98.4% 107.3% 125.2% 143.1% 161.0% 178.9% 214.7% 268.4% 357.8% 536.7% 715.7% 1073.5%
22 3.9% 7.8% 11.8% 15.7% 19.6% 23.5% 27.5% 31.4% 35.3% 39.2% 43.1% 49.0% 58.8% 68.6% 78.4% 88.2% 98.0% 107.9% 117.7% 137.3% 156.9% 176.5% 196.1% 235.3% 294.1% 392.2% 588.3% 784.4% 1176.6%
23 4.3% 8.6% 12.9% 17.2% 21.5% 25.7% 30.0% 34.3% 38.6% 42.9% 47.2% 53.6% 64.4% 75.1% 85.8% 96.6% 107.3% 118.0% 128.7% 150.2% 171.7% 193.1% 214.6% 257.5% 321.9% 429.1% 643.7% 858.3% 1287.4%
24 4.7% 9.4% 14.1% 18.8% 23.4% 28.1% 32.8% 37.5% 42.2% 46.9% 51.6% 58.6% 70.3% 82.0% 93.8% 105.5% 117.2% 128.9% 140.7% 164.1% 187.5% 211.0% 234.4% 281.3% 351.6% 468.8% 703.3% 937.7% 1406.5%
25 5.1% 10.2% 15.3% 20.5% 25.6% 30.7% 35.8% 40.9% 46.0% 51.2% 56.3% 63.9% 76.7% 89.5% 102.3% 115.1% 127.9% 140.7% 153.5% 179.0% 204.6% 230.2% 255.8% 306.9% 383.7% 511.5% 767.3% 1023.1% 1534.6%
años 26 5.6% 11.1% 16.7% 22.3% 27.9% 33.4% 39.0% 44.6% 50.2% 55.7% 61.3% 69.7% 83.6% 97.5% 111.5% 125.4% 139.4% 153.3% 167.2% 195.1% 223.0% 250.8% 278.7% 334.5% 418.1% 557.4% 836.1% 1114.8% 1672.3%
27 6.1% 12.1% 18.2% 24.3% 30.3% 36.4% 42.5% 48.5% 54.6% 60.7% 66.7% 75.8% 91.0% 106.2% 121.4% 136.5% 151.7% 166.9% 182.0% 212.4% 242.7% 273.0% 303.4% 364.1% 455.1% 606.8% 910.1% 1213.5% 1820.3%
28 6.6% 13.2% 19.8% 26.4% 33.0% 39.6% 46.2% 52.8% 59.4% 66.0% 72.6% 82.5% 99.0% 115.5% 132.0% 148.5% 164.9% 181.4% 197.9% 230.9% 263.9% 296.9% 329.9% 395.9% 494.8% 659.8% 989.7% 1319.6% 1979.4%
29 7.2% 14.3% 21.5% 28.7% 35.8% 43.0% 50.2% 57.3% 64.5% 71.7% 78.8% 89.6% 107.5% 125.4% 143.4% 161.3% 179.2% 197.1% 215.0% 250.9% 286.7% 322.6% 358.4% 430.1% 537.6% 716.8% 1075.2% 1433.6% 2150.4%
30 7.8% 15.6% 23.3% 31.1% 38.9% 46.7% 54.5% 62.2% 70.0% 77.8% 85.6% 97.3% 116.7% 136.2% 155.6% 175.1% 194.5% 214.0% 233.4% 272.3% 311.2% 350.1% 389.0% 466.8% 583.6% 778.1% 1167.1% 1556.2% 2334.2%
31 8.4% 16.9% 25.3% 33.8% 42.2% 50.6% 59.1% 67.5% 76.0% 84.4% 92.8% 105.5% 126.6% 147.7% 168.8% 189.9% 211.0% 232.1% 253.2% 295.4% 337.6% 379.8% 422.0% 506.4% 633.0% 844.0% 1265.9% 1687.9% 2531.9%
32 9.1% 18.3% 27.4% 36.6% 45.7% 54.9% 64.0% 73.2% 82.3% 91.5% 100.6% 114.3% 137.2% 160.1% 183.0% 205.8% 228.7% 251.6% 274.4% 320.2% 365.9% 411.7% 457.4% 548.9% 686.1% 914.8% 1372.2% 1829.6% 2744.4%
33 9.9% 19.8% 29.7% 39.6% 49.5% 59.5% 69.4% 79.3% 89.2% 99.1% 109.0% 123.9% 148.6% 173.4% 198.2% 223.0% 247.7% 272.5% 297.3% 346.8% 396.4% 445.9% 495.5% 594.6% 743.2% 990.9% 1486.4% 1981.8% 2972.8%
34 10.7% 21.5% 32.2% 42.9% 53.6% 64.4% 75.1% 85.8% 96.5% 107.3% 118.0% 134.1% 160.9% 187.7% 214.6% 241.4% 268.2% 295.0% 321.8% 375.5% 429.1% 482.7% 536.4% 643.7% 804.6% 1072.8% 1609.1% 2145.5% 3218.3%
35 11.6% 23.2% 34.8% 46.4% 58.0% 69.6% 81.3% 92.9% 104.5% 116.1% 127.7% 145.1% 174.1% 203.1% 232.1% 261.2% 290.2% 319.2% 348.2% 406.3% 464.3% 522.3% 580.4% 696.4% 870.6% 1160.7% 1741.1% 2321.5% 3482.2%
36 12.6% 25.1% 37.7% 50.2% 62.8% 75.3% 87.9% 100.4% 113.0% 125.5% 138.1% 156.9% 188.3% 219.7% 251.1% 282.4% 313.8% 345.2% 376.6% 439.4% 502.1% 564.9% 627.7% 753.2% 941.5% 1255.3% 1883.0% 2510.6% 3766.0%
37 13.6% 27.1% 40.7% 54.3% 67.8% 81.4% 95.0% 108.6% 122.1% 135.7% 149.3% 169.6% 203.5% 237.5% 271.4% 305.3% 339.2% 373.2% 407.1% 474.9% 542.8% 610.6% 678.5% 814.2% 1017.7% 1357.0% 2035.5% 2714.0% 4071.0%
38 14.7% 29.3% 44.0% 58.7% 73.3% 88.0% 102.6% 117.3% 132.0% 146.6% 161.3% 183.3% 219.9% 256.6% 293.3% 329.9% 366.6% 403.2% 439.9% 513.2% 586.5% 659.8% 733.1% 879.8% 1099.7% 1466.3% 2199.4% 2932.6% 4398.9%
39 15.8% 31.7% 47.5% 63.4% 79.2% 95.0% 110.9% 126.7% 142.5% 158.4% 174.2% 198.0% 237.6% 277.2% 316.8% 356.4% 395.9% 435.5% 475.1% 554.3% 633.5% 712.7% 791.9% 950.3% 1187.8% 1583.8% 2375.7% 3167.6% 4751.4%
40 17.1% 34.2% 51.3% 68.4% 85.5% 102.6% 119.7% 136.8% 153.9% 171.0% 188.1% 213.8% 256.5% 299.3% 342.0% 384.8% 427.5% 470.3% 513.0% 598.5% 684.0% 769.5% 855.1% 1026.1% 1282.6% 1710.1% 2565.2% 3420.2% 5130.3%
41 18.5% 36.9% 55.4% 73.8% 92.3% 110.8% 129.2% 147.7% 166.1% 184.6% 203.0% 230.7% 276.9% 323.0% 369.2% 415.3% 461.5% 507.6% 553.8% 646.1% 738.4% 830.6% 922.9% 1107.5% 1384.4% 1845.9% 2768.8% 3691.8% 5537.7%
42 19.9% 39.8% 59.8% 79.7% 99.6% 119.5% 139.4% 159.3% 179.3% 199.2% 219.1% 249.0% 298.8% 348.6% 398.4% 448.2% 498.0% 547.8% 597.6% 697.1% 796.7% 896.3% 995.9% 1195.1% 1493.9% 1991.9% 2987.8% 3983.7% 5975.6%
43 21.5% 43.0% 64.5% 86.0% 107.4% 128.9% 150.4% 171.9% 193.4% 214.9% 236.4% 268.6% 322.3% 376.0% 429.8% 483.5% 537.2% 590.9% 644.6% 752.1% 859.5% 966.9% 1074.4% 1289.3% 1611.6% 2148.8% 3223.2% 4297.5% 6446.3%
44 23.2% 46.3% 69.5% 92.7% 115.9% 139.0% 162.2% 185.4% 208.6% 231.7% 254.9% 289.7% 347.6% 405.6% 463.5% 521.4% 579.4% 637.3% 695.2% 811.1% 927.0% 1042.9% 1158.7% 1390.5% 1738.1% 2317.5% 3476.2% 4634.9% 6952.4%
45 25.0% 50.0% 75.0% 100.0% 124.9% 149.9% 174.9% 199.9% 224.9% 249.9% 274.9% 312.3% 374.8% 437.3% 499.8% 562.2% 624.7% 687.2% 749.6% 874.6% 999.5% 1124.5% 1249.4% 1499.3% 1874.1% 2498.8% 3748.2% 4997.6% 7496.4%
46 26.9% 53.9% 80.8% 107.7% 134.7% 161.6% 188.6% 215.5% 242.4% 269.4% 296.3% 336.7% 404.1% 471.4% 538.7% 606.1% 673.4% 740.8% 808.1% 942.8% 1077.5% 1212.2% 1346.9% 1616.2% 2020.3% 2693.7% 4040.6% 5387.4% 8081.2%
47 29.0% 58.1% 87.1% 116.1% 145.2% 174.2% 203.2% 232.3% 261.3% 290.3% 319.4% 362.9% 435.5% 508.1% 580.7% 653.2% 725.8% 798.4% 871.0% 1016.1% 1161.3% 1306.5% 1451.6% 1742.0% 2177.5% 2903.3% 4354.9% 5806.5% 8709.8%
48 31.3% 62.6% 93.9% 125.1% 156.4% 187.7% 219.0% 250.3% 281.6% 312.9% 344.1% 391.1% 469.3% 547.5% 625.7% 703.9% 782.1% 860.3% 938.6% 1095.0% 1251.4% 1407.8% 1564.3% 1877.1% 2346.4% 3128.5% 4692.8% 6257.1% 9385.6%
49 33.7% 67.4% 101.1% 134.8% 168.5% 202.2% 235.9% 269.7% 303.4% 337.1% 370.8% 421.3% 505.6% 589.9% 674.1% 758.4% 842.7% 926.9% 1011.2% 1179.7% 1348.3% 1516.8% 1685.4% 2022.4% 2528.0% 3370.7% 5056.1% 6741.4% 10112.1%
50 36.3% 72.6% 108.9% 145.2% 181.6% 217.9% 254.2% 290.5% 326.8% 363.1% 399.4% 453.9% 544.7% 635.4% 726.2% 817.0% 907.8% 998.5% 1089.3% 1270.9% 1452.4% 1634.0% 1815.5% 2178.6% 2723.3% 3631.0% 5446.6% 7262.1% 10893.1%

Consideramos cualquier tipo de renta pasiva como: fundamentalmente $D$3s, pero también alquileres de inmuebles, ventas parciales de fondos, etc..
* se asume que reinvertimos todas las rentas pasivas cobradas y que invertimos todos los años el ahorro que conseguimos de nuestro sueldo ( ahorro medido como porcentaje de nuestros gastos, no de nuestro sueldo
que sería menor)
** se asume que el nivel de vida o de gastos se mantiene constante, y que solo aumentan con la inflación. Ojo: Un ahorro sobre tus gastos de un 20% implica un 16,7% de ahorro sobre tu sueldo. Un ahorro sobre tus
gastos de un 50% implica un 33,3% de ahorro sobre tu sueldo. Un ahorro sobre tus gastos del 100% implica un 50% de ahorro sobre tu sueldo.
 INDEPENDENCIA FINANCIERA. Calcula el porcentaje de tus gastos cubiertos con rentas pasivas en función del porcentaje de tus ahorros y del tiempo transcurrido

A Rentabilidad: 3.5% Rentabilidad neta típica de tus rentas tras pagos de impuestos y comisiones (p.ejemplo rentas de $D$3s)
B Crecimiento empresarial: 6.0% Crecimiento anual de nuestros activos (revalorización BPA de empresas)
C Extra gestor: -3.5% Rentabilidad extra de buen inversor (-3,5% malo, 0% normal; 5% si profesional)
D Inflación: 2.0% Inflación futura estimada (2% es el objetivo por políticas económicas en zona euro) www.olvidatedetucerdito.com
Rentabilidad neta: 4.0% A+B+C-D (Rentabilidad anual estimada de tus inversiones)

Porcentaje de tus porcentaje que ahorras sobre tus gastos ( y fila abajo sobre tus ingresos salariales)**
gastos cubiertos por
rentas (*) (si es mayor 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% 22% 25% 30% 35% 40% 45% 50% 55% 60% 70% 80% 90% 100% 120% 150% 200% 300% 400% 600%
del 100% => I.F.)
2% 4% 6% 7% 9% 11% 12% 14% 15% 17% 18% 20% 23% 26% 29% 31% 33% 35% 38% 41% 44% 47% 50% 55% 60% 67% 75% 80% 86%
1 0.1% 0.1% 0.2% 0.3% 0.4% 0.4% 0.5% 0.6% 0.7% 0.7% 0.8% 0.9% 1.1% 1.3% 1.5% 1.6% 1.8% 2.0% 2.2% 2.5% 2.9% 3.3% 3.6% 4.4% 5.5% 7.3% 10.9% 14.6% 21.8%
2 0.1% 0.3% 0.4% 0.6% 0.7% 0.9% 1.0% 1.2% 1.3% 1.5% 1.6% 1.9% 2.2% 2.6% 3.0% 3.3% 3.7% 4.1% 4.5% 5.2% 5.9% 6.7% 7.4% 8.9% 11.1% 14.9% 22.3% 29.7% 44.6%
3 0.2% 0.5% 0.7% 0.9% 1.1% 1.4% 1.6% 1.8% 2.0% 2.3% 2.5% 2.8% 3.4% 4.0% 4.5% 5.1% 5.7% 6.2% 6.8% 8.0% 9.1% 10.2% 11.4% 13.6% 17.0% 22.7% 34.1% 45.5% 68.2%
4 0.3% 0.6% 0.9% 1.2% 1.5% 1.9% 2.2% 2.5% 2.8% 3.1% 3.4% 3.9% 4.6% 5.4% 6.2% 7.0% 7.7% 8.5% 9.3% 10.8% 12.4% 13.9% 15.5% 18.5% 23.2% 30.9% 46.4% 61.8% 92.7%
5 0.4% 0.8% 1.2% 1.6% 2.0% 2.4% 2.8% 3.2% 3.5% 3.9% 4.3% 4.9% 5.9% 6.9% 7.9% 8.9% 9.9% 10.8% 11.8% 13.8% 15.8% 17.7% 19.7% 23.7% 29.6% 39.4% 59.1% 78.9% 118.3%
6 0.5% 1.0% 1.4% 1.9% 2.4% 2.9% 3.4% 3.9% 4.3% 4.8% 5.3% 6.0% 7.2% 8.5% 9.7% 10.9% 12.1% 13.3% 14.5% 16.9% 19.3% 21.7% 24.1% 29.0% 36.2% 48.3% 72.4% 96.6% 144.9%
7 0.6% 1.1% 1.7% 2.3% 2.9% 3.4% 4.0% 4.6% 5.2% 5.7% 6.3% 7.2% 8.6% 10.1% 11.5% 12.9% 14.4% 15.8% 17.2% 20.1% 23.0% 25.9% 28.7% 34.5% 43.1% 57.5% 86.2% 115.0% 172.5%
8 0.7% 1.3% 2.0% 2.7% 3.4% 4.0% 4.7% 5.4% 6.0% 6.7% 7.4% 8.4% 10.1% 11.7% 13.4% 15.1% 16.8% 18.4% 20.1% 23.5% 26.8% 30.2% 33.5% 40.2% 50.3% 67.1% 100.6% 134.2% 201.2%
9 0.8% 1.5% 2.3% 3.1% 3.9% 4.6% 5.4% 6.2% 6.9% 7.7% 8.5% 9.6% 11.6% 13.5% 15.4% 17.3% 19.3% 21.2% 23.1% 27.0% 30.8% 34.7% 38.5% 46.2% 57.8% 77.0% 115.6% 154.1% 231.1%
10 0.9% 1.7% 2.6% 3.5% 4.4% 5.2% 6.1% 7.0% 7.9% 8.7% 9.6% 10.9% 13.1% 15.3% 17.5% 19.7% 21.9% 24.0% 26.2% 30.6% 35.0% 39.3% 43.7% 52.4% 65.6% 87.4% 131.1% 174.8% 262.2%
11 1.0% 2.0% 2.9% 3.9% 4.9% 5.9% 6.9% 7.9% 8.8% 9.8% 10.8% 12.3% 14.7% 17.2% 19.6% 22.1% 24.5% 27.0% 29.5% 34.4% 39.3% 44.2% 49.1% 58.9% 73.6% 98.2% 147.3% 196.4% 294.5%
12 1.1% 2.2% 3.3% 4.4% 5.5% 6.6% 7.7% 8.8% 9.8% 10.9% 12.0% 13.7% 16.4% 19.1% 21.9% 24.6% 27.3% 30.1% 32.8% 38.3% 43.8% 49.2% 54.7% 65.6% 82.0% 109.4% 164.1% 218.8% 328.2%
13 1.2% 2.4% 3.6% 4.8% 6.1% 7.3% 8.5% 9.7% 10.9% 12.1% 13.3% 15.1% 18.2% 21.2% 24.2% 27.2% 30.3% 33.3% 36.3% 42.4% 48.4% 54.5% 60.5% 72.6% 90.8% 121.0% 181.6% 242.1% 363.1%
14 1.3% 2.7% 4.0% 5.3% 6.7% 8.0% 9.3% 10.7% 12.0% 13.3% 14.6% 16.6% 20.0% 23.3% 26.6% 30.0% 33.3% 36.6% 39.9% 46.6% 53.3% 59.9% 66.6% 79.9% 99.9% 133.2% 199.7% 266.3% 399.5%
15 1.5% 2.9% 4.4% 5.8% 7.3% 8.7% 10.2% 11.7% 13.1% 14.6% 16.0% 18.2% 21.9% 25.5% 29.2% 32.8% 36.4% 40.1% 43.7% 51.0% 58.3% 65.6% 72.9% 87.5% 109.3% 145.8% 218.7% 291.5% 437.3%
16 1.6% 3.2% 4.8% 6.4% 7.9% 9.5% 11.1% 12.7% 14.3% 15.9% 17.5% 19.9% 23.8% 27.8% 31.8% 35.7% 39.7% 43.7% 47.7% 55.6% 63.6% 71.5% 79.4% 95.3% 119.2% 158.9% 238.3% 317.8% 476.6%
17 1.7% 3.5% 5.2% 6.9% 8.6% 10.4% 12.1% 13.8% 15.5% 17.3% 19.0% 21.6% 25.9% 30.2% 34.5% 38.8% 43.1% 47.4% 51.8% 60.4% 69.0% 77.6% 86.3% 103.5% 129.4% 172.5% 258.8% 345.0% 517.6%
18 1.9% 3.7% 5.6% 7.5% 9.3% 11.2% 13.1% 14.9% 16.8% 18.7% 20.5% 23.3% 28.0% 32.7% 37.3% 42.0% 46.7% 51.3% 56.0% 65.3% 74.7% 84.0% 93.3% 112.0% 140.0% 186.7% 280.0% 373.4% 560.1%
19 2.0% 4.0% 6.0% 8.1% 10.1% 12.1% 14.1% 16.1% 18.1% 20.1% 22.2% 25.2% 30.2% 35.3% 40.3% 45.3% 50.4% 55.4% 60.4% 70.5% 80.6% 90.7% 100.7% 120.9% 151.1% 201.4% 302.2% 402.9% 604.3%
20 2.2% 4.3% 6.5% 8.7% 10.8% 13.0% 15.2% 17.3% 19.5% 21.7% 23.8% 27.1% 32.5% 37.9% 43.4% 48.8% 54.2% 59.6% 65.0% 75.9% 86.7% 97.6% 108.4% 130.1% 162.6% 216.8% 325.2% 433.6% 650.4%
21 2.3% 4.7% 7.0% 9.3% 11.6% 14.0% 16.3% 18.6% 20.9% 23.3% 25.6% 29.1% 34.9% 40.7% 46.5% 52.4% 58.2% 64.0% 69.8% 81.5% 93.1% 104.7% 116.4% 139.6% 174.6% 232.7% 349.1% 465.5% 698.2%
22 2.5% 5.0% 7.5% 10.0% 12.5% 15.0% 17.5% 19.9% 22.4% 24.9% 27.4% 31.2% 37.4% 43.6% 49.9% 56.1% 62.3% 68.6% 74.8% 87.3% 99.7% 112.2% 124.7% 149.6% 187.0% 249.3% 374.0% 498.7% 748.0%
23 2.7% 5.3% 8.0% 10.7% 13.3% 16.0% 18.7% 21.3% 24.0% 26.7% 29.3% 33.3% 40.0% 46.7% 53.3% 60.0% 66.6% 73.3% 80.0% 93.3% 106.6% 120.0% 133.3% 159.9% 199.9% 266.6% 399.9% 533.2% 799.7%
24 2.8% 5.7% 8.5% 11.4% 14.2% 17.1% 19.9% 22.8% 25.6% 28.5% 31.3% 35.6% 42.7% 49.8% 56.9% 64.0% 71.1% 78.2% 85.4% 99.6% 113.8% 128.0% 142.3% 170.7% 213.4% 284.5% 426.8% 569.0% 853.6%
25 3.0% 6.1% 9.1% 12.1% 15.2% 18.2% 21.2% 24.3% 27.3% 30.3% 33.4% 37.9% 45.5% 53.1% 60.6% 68.2% 75.8% 83.4% 91.0% 106.1% 121.3% 136.4% 151.6% 181.9% 227.4% 303.2% 454.8% 606.4% 909.5%
años 26 3.2% 6.5% 9.7% 12.9% 16.1% 19.4% 22.6% 25.8% 29.0% 32.3% 35.5% 40.3% 48.4% 56.5% 64.5% 72.6% 80.6% 88.7% 96.8% 112.9% 129.0% 145.2% 161.3% 193.6% 241.9% 322.6% 483.9% 645.2% 967.8%
27 3.4% 6.9% 10.3% 13.7% 17.1% 20.6% 24.0% 27.4% 30.8% 34.3% 37.7% 42.8% 51.4% 60.0% 68.6% 77.1% 85.7% 94.3% 102.8% 120.0% 137.1% 154.2% 171.4% 205.7% 257.1% 342.8% 514.2% 685.5% 1028.3%
28 3.6% 7.3% 10.9% 14.6% 18.2% 21.8% 25.5% 29.1% 32.7% 36.4% 40.0% 45.5% 54.6% 63.7% 72.8% 81.8% 90.9% 100.0% 109.1% 127.3% 145.5% 163.7% 181.9% 218.3% 272.8% 363.8% 545.6% 727.5% 1091.3%
29 3.9% 7.7% 11.6% 15.4% 19.3% 23.1% 27.0% 30.8% 34.7% 38.6% 42.4% 48.2% 57.8% 67.5% 77.1% 86.8% 96.4% 106.0% 115.7% 135.0% 154.2% 173.5% 192.8% 231.4% 289.2% 385.6% 578.4% 771.2% 1156.8%
30 4.1% 8.2% 12.2% 16.3% 20.4% 24.5% 28.6% 32.7% 36.7% 40.8% 44.9% 51.0% 61.2% 71.5% 81.7% 91.9% 102.1% 112.3% 122.5% 142.9% 163.3% 183.7% 204.1% 245.0% 306.2% 408.3% 612.4% 816.6% 1224.9%
31 4.3% 8.6% 13.0% 17.3% 21.6% 25.9% 30.2% 34.6% 38.9% 43.2% 47.5% 54.0% 64.8% 75.6% 86.4% 97.2% 108.0% 118.8% 129.6% 151.2% 172.8% 194.4% 216.0% 259.1% 323.9% 431.9% 647.9% 863.8% 1295.7%
32 4.6% 9.1% 13.7% 18.3% 22.8% 27.4% 32.0% 36.5% 41.1% 45.6% 50.2% 57.1% 68.5% 79.9% 91.3% 102.7% 114.1% 125.5% 136.9% 159.8% 182.6% 205.4% 228.2% 273.9% 342.4% 456.5% 684.7% 912.9% 1369.4%
33 4.8% 9.6% 14.5% 19.3% 24.1% 28.9% 33.7% 38.6% 43.4% 48.2% 53.0% 60.3% 72.3% 84.4% 96.4% 108.5% 120.5% 132.6% 144.6% 168.7% 192.8% 216.9% 241.0% 289.2% 361.5% 482.0% 723.0% 964.0% 1446.0%
34 5.1% 10.2% 15.3% 20.3% 25.4% 30.5% 35.6% 40.7% 45.8% 50.9% 55.9% 63.6% 76.3% 89.0% 101.7% 114.4% 127.1% 139.9% 152.6% 178.0% 203.4% 228.9% 254.3% 305.1% 381.4% 508.6% 762.8% 1017.1% 1525.7%
35 5.4% 10.7% 16.1% 21.4% 26.8% 32.2% 37.5% 42.9% 48.3% 53.6% 59.0% 67.0% 80.4% 93.8% 107.2% 120.6% 134.0% 147.5% 160.9% 187.7% 214.5% 241.3% 268.1% 321.7% 402.1% 536.2% 804.3% 1072.4% 1608.6%
36 5.6% 11.3% 16.9% 22.6% 28.2% 33.9% 39.5% 45.2% 50.8% 56.5% 62.1% 70.6% 84.7% 98.9% 113.0% 127.1% 141.2% 155.4% 169.5% 197.7% 226.0% 254.2% 282.5% 338.9% 423.7% 564.9% 847.4% 1129.8% 1694.7%
37 5.9% 11.9% 17.8% 23.8% 29.7% 35.7% 41.6% 47.6% 53.5% 59.5% 65.4% 74.3% 89.2% 104.1% 119.0% 133.8% 148.7% 163.6% 178.4% 208.2% 237.9% 267.7% 297.4% 356.9% 446.1% 594.8% 892.2% 1189.6% 1784.4%
38 6.3% 12.5% 18.8% 25.0% 31.3% 37.6% 43.8% 50.1% 56.3% 62.6% 68.8% 78.2% 93.9% 109.5% 125.2% 140.8% 156.5% 172.1% 187.8% 219.1% 250.3% 281.6% 312.9% 375.5% 469.4% 625.9% 938.8% 1251.7% 1877.6%
39 6.6% 13.2% 19.7% 26.3% 32.9% 39.5% 46.1% 52.7% 59.2% 65.8% 72.4% 82.3% 98.7% 115.2% 131.6% 148.1% 164.5% 181.0% 197.5% 230.4% 263.3% 296.2% 329.1% 394.9% 493.6% 658.2% 987.3% 1316.4% 1974.5%
40 6.9% 13.8% 20.8% 27.7% 34.6% 41.5% 48.4% 55.3% 62.3% 69.2% 76.1% 86.5% 103.8% 121.1% 138.4% 155.7% 172.9% 190.2% 207.5% 242.1% 276.7% 311.3% 345.9% 415.1% 518.8% 691.8% 1037.7% 1383.6% 2075.4%
41 7.3% 14.5% 21.8% 29.1% 36.3% 43.6% 50.9% 58.1% 65.4% 72.7% 79.9% 90.8% 109.0% 127.2% 145.3% 163.5% 181.7% 199.9% 218.0% 254.4% 290.7% 327.0% 363.4% 436.0% 545.1% 726.7% 1090.1% 1453.5% 2180.2%
42 7.6% 15.3% 22.9% 30.5% 38.2% 45.8% 53.4% 61.0% 68.7% 76.3% 83.9% 95.4% 114.5% 133.5% 152.6% 171.7% 190.8% 209.8% 228.9% 267.1% 305.2% 343.4% 381.5% 457.9% 572.3% 763.1% 1144.6% 1526.2% 2289.3%
43 8.0% 16.0% 24.0% 32.0% 40.0% 48.1% 56.1% 64.1% 72.1% 80.1% 88.1% 100.1% 120.1% 140.2% 160.2% 180.2% 200.2% 220.2% 240.3% 280.3% 320.4% 360.4% 400.4% 480.5% 600.7% 800.9% 1201.3% 1601.8% 2402.7%
44 8.4% 16.8% 25.2% 33.6% 42.0% 50.4% 58.8% 67.2% 75.6% 84.0% 92.4% 105.0% 126.0% 147.0% 168.0% 189.0% 210.1% 231.1% 252.1% 294.1% 336.1% 378.1% 420.1% 504.1% 630.2% 840.2% 1260.3% 1680.4% 2520.6%
45 8.8% 17.6% 26.4% 35.2% 44.1% 52.9% 61.7% 70.5% 79.3% 88.1% 96.9% 110.1% 132.2% 154.2% 176.2% 198.2% 220.3% 242.3% 264.3% 308.4% 352.4% 396.5% 440.5% 528.7% 660.8% 881.1% 1321.6% 1762.2% 2643.3%
46 9.2% 18.5% 27.7% 36.9% 46.2% 55.4% 64.7% 73.9% 83.1% 92.4% 101.6% 115.5% 138.5% 161.6% 184.7% 207.8% 230.9% 254.0% 277.1% 323.3% 369.4% 415.6% 461.8% 554.2% 692.7% 923.6% 1385.4% 1847.2% 2770.9%
47 9.7% 19.4% 29.0% 38.7% 48.4% 58.1% 67.7% 77.4% 87.1% 96.8% 106.5% 121.0% 145.2% 169.4% 193.6% 217.8% 242.0% 266.2% 290.4% 338.7% 387.1% 435.5% 483.9% 580.7% 725.9% 967.8% 1451.8% 1935.7% 2903.5%
48 10.1% 20.3% 30.4% 40.6% 50.7% 60.8% 71.0% 81.1% 91.2% 101.4% 111.5% 126.7% 152.1% 177.4% 202.8% 228.1% 253.5% 278.8% 304.2% 354.8% 405.5% 456.2% 506.9% 608.3% 760.4% 1013.8% 1520.8% 2027.7% 3041.5%
49 10.6% 21.2% 31.9% 42.5% 53.1% 63.7% 74.3% 84.9% 95.6% 106.2% 116.8% 132.7% 159.3% 185.8% 212.3% 238.9% 265.4% 292.0% 318.5% 371.6% 424.7% 477.8% 530.8% 637.0% 796.3% 1061.7% 1592.5% 2123.3% 3185.0%
50 11.1% 22.2% 33.3% 44.5% 55.6% 66.7% 77.8% 88.9% 100.0% 111.1% 122.3% 138.9% 166.7% 194.5% 222.3% 250.1% 277.9% 305.6% 333.4% 389.0% 444.6% 500.1% 555.7% 666.8% 833.6% 1111.4% 1667.1% 2222.8% 3334.2%

Consideramos cualquier tipo de renta pasiva como: fundamentalmente $D$3s, pero también alquileres de inmuebles, ventas parciales de fondos, etc..
* se asume que reinvertimos todas las rentas pasivas cobradas y que invertimos todos los años el ahorro que conseguimos de nuestro sueldo ( ahorro medido como porcentaje de nuestros gastos, no de nuestro sueldo
que sería menor)
** se asume que el nivel de vida o de gastos se mantiene constante, y que solo aumentan con la inflación. Ojo: Un ahorro sobre tus gastos de un 20% implica un 16,7% de ahorro sobre tu sueldo. Un ahorro sobre tus
gastos de un 50% implica un 33,3% de ahorro sobre tu sueldo. Un ahorro sobre tus gastos del 100% implica un 50% de ahorro sobre tu sueldo.
 INDEPENDENCIA FINANCIERA. Calcula el porcentaje de tus gastos cubiertos con rentas pasivas en función del porcentaje de tus ahorros y del tiempo transcurrido

A Rentabilidad: 3.5% Rentabilidad neta típica de tus rentas tras pagos de impuestos y comisiones (p.ejemplo rentas de $D$3s)
B Crecimiento empresarial: 6.0% Crecimiento anual de nuestros activos (revalorización BPA de empresas)
C Extra gestor: 5.0% Rentabilidad extra de buen inversor (-3,5% malo, 0% normal; 5% si profesional)
D Inflación: 2.0% Inflación futura estimada (2% es el objetivo por políticas económicas en zona euro) www.olvidatedetucerdito.com
Rentabilidad neta: 12.5% A+B+C-D (Rentabilidad anual estimada de tus inversiones)

Porcentaje de tus porcentaje que ahorras sobre tus gastos ( y fila abajo sobre tus ingresos salariales)**
gastos cubiertos por
rentas (*) (si es mayor 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% 22% 25% 30% 35% 40% 45% 50% 55% 60% 70% 80% 90% 100% 120% 150% 200% 300% 400% 600%
del 100% => I.F.)
2% 4% 6% 7% 9% 11% 12% 14% 15% 17% 18% 20% 23% 26% 29% 31% 33% 35% 38% 41% 44% 47% 50% 55% 60% 67% 75% 80% 86%
1 0.1% 0.2% 0.2% 0.3% 0.4% 0.5% 0.6% 0.6% 0.7% 0.8% 0.9% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% 2.2% 2.4% 2.8% 3.2% 3.5% 3.9% 4.7% 5.9% 7.9% 11.8% 15.8% 23.6%
2 0.2% 0.3% 0.5% 0.7% 0.8% 1.0% 1.2% 1.3% 1.5% 1.7% 1.8% 2.1% 2.5% 2.9% 3.3% 3.8% 4.2% 4.6% 5.0% 5.9% 6.7% 7.5% 8.4% 10.0% 12.6% 16.7% 25.1% 33.5% 50.2%
3 0.3% 0.5% 0.8% 1.1% 1.3% 1.6% 1.9% 2.1% 2.4% 2.7% 2.9% 3.3% 4.0% 4.7% 5.3% 6.0% 6.7% 7.3% 8.0% 9.3% 10.7% 12.0% 13.4% 16.0% 20.0% 26.7% 40.1% 53.4% 80.1%
4 0.4% 0.8% 1.1% 1.5% 1.9% 2.3% 2.7% 3.0% 3.4% 3.8% 4.2% 4.7% 5.7% 6.6% 7.6% 8.5% 9.5% 10.4% 11.4% 13.3% 15.2% 17.1% 19.0% 22.7% 28.4% 37.9% 56.9% 75.8% 113.7%
5 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.1% 5.6% 6.3% 7.6% 8.8% 10.1% 11.4% 12.6% 13.9% 15.2% 17.7% 20.2% 22.7% 25.3% 30.3% 37.9% 50.5% 75.8% 101.1% 151.6%
6 0.6% 1.3% 1.9% 2.6% 3.2% 3.9% 4.5% 5.2% 5.8% 6.5% 7.1% 8.1% 9.7% 11.3% 12.9% 14.6% 16.2% 17.8% 19.4% 22.7% 25.9% 29.1% 32.4% 38.8% 48.5% 64.7% 97.1% 129.4% 194.2%
7 0.8% 1.6% 2.4% 3.2% 4.0% 4.8% 5.6% 6.5% 7.3% 8.1% 8.9% 10.1% 12.1% 14.1% 16.1% 18.2% 20.2% 22.2% 24.2% 28.2% 32.3% 36.3% 40.3% 48.4% 60.5% 80.7% 121.0% 161.4% 242.1%
8 1.0% 2.0% 3.0% 3.9% 4.9% 5.9% 6.9% 7.9% 8.9% 9.9% 10.9% 12.3% 14.8% 17.3% 19.7% 22.2% 24.7% 27.1% 29.6% 34.5% 39.5% 44.4% 49.3% 59.2% 74.0% 98.6% 148.0% 197.3% 295.9%
9 1.2% 2.4% 3.6% 4.8% 5.9% 7.1% 8.3% 9.5% 10.7% 11.9% 13.1% 14.9% 17.8% 20.8% 23.8% 26.7% 29.7% 32.7% 35.7% 41.6% 47.5% 53.5% 59.4% 71.3% 89.1% 118.8% 178.3% 237.7% 356.5%
10 1.4% 2.8% 4.2% 5.7% 7.1% 8.5% 9.9% 11.3% 12.7% 14.2% 15.6% 17.7% 21.2% 24.8% 28.3% 31.9% 35.4% 38.9% 42.5% 49.6% 56.6% 63.7% 70.8% 84.9% 106.2% 141.6% 212.4% 283.2% 424.7%
11 1.7% 3.3% 5.0% 6.7% 8.4% 10.0% 11.7% 13.4% 15.0% 16.7% 18.4% 20.9% 25.1% 29.3% 33.4% 37.6% 41.8% 46.0% 50.1% 58.5% 66.9% 75.2% 83.6% 100.3% 125.4% 167.2% 250.7% 334.3% 501.5%
12 2.0% 3.9% 5.9% 7.8% 9.8% 11.8% 13.7% 15.7% 17.6% 19.6% 21.6% 24.5% 29.4% 34.3% 39.2% 44.1% 49.0% 53.9% 58.8% 68.6% 78.4% 88.2% 98.0% 117.6% 146.9% 195.9% 293.9% 391.8% 587.8%
13 2.3% 4.6% 6.8% 9.1% 11.4% 13.7% 16.0% 18.3% 20.5% 22.8% 25.1% 28.5% 34.2% 40.0% 45.7% 51.4% 57.1% 62.8% 68.5% 79.9% 91.3% 102.7% 114.1% 137.0% 171.2% 228.3% 342.4% 456.6% 684.9%
14 2.6% 5.3% 7.9% 10.6% 13.2% 15.9% 18.5% 21.2% 23.8% 26.5% 29.1% 33.1% 39.7% 46.3% 52.9% 59.6% 66.2% 72.8% 79.4% 92.6% 105.9% 119.1% 132.3% 158.8% 198.5% 264.7% 397.0% 529.4% 794.1%
15 3.1% 6.1% 9.2% 12.2% 15.3% 18.3% 21.4% 24.5% 27.5% 30.6% 33.6% 38.2% 45.8% 53.5% 61.1% 68.8% 76.4% 84.1% 91.7% 107.0% 122.3% 137.5% 152.8% 183.4% 229.2% 305.7% 458.5% 611.3% 917.0%
16 3.5% 7.0% 10.6% 14.1% 17.6% 21.1% 24.6% 28.1% 31.7% 35.2% 38.7% 44.0% 52.8% 61.6% 70.3% 79.1% 87.9% 96.7% 105.5% 123.1% 140.7% 158.3% 175.9% 211.0% 263.8% 351.7% 527.6% 703.5% 1055.2%
17 4.0% 8.1% 12.1% 16.1% 20.2% 24.2% 28.3% 32.3% 36.3% 40.4% 44.4% 50.4% 60.5% 70.6% 80.7% 90.8% 100.9% 111.0% 121.1% 141.3% 161.4% 181.6% 201.8% 242.2% 302.7% 403.6% 605.4% 807.2% 1210.8%
18 4.6% 9.2% 13.9% 18.5% 23.1% 27.7% 32.3% 37.0% 41.6% 46.2% 50.8% 57.7% 69.3% 80.8% 92.4% 103.9% 115.5% 127.0% 138.6% 161.7% 184.8% 207.9% 231.0% 277.1% 346.4% 461.9% 692.9% 923.8% 1385.7%
19 5.3% 10.6% 15.8% 21.1% 26.4% 31.7% 36.9% 42.2% 47.5% 52.8% 58.0% 65.9% 79.1% 92.3% 105.5% 118.7% 131.9% 145.1% 158.3% 184.6% 211.0% 237.4% 263.8% 316.5% 395.6% 527.5% 791.3% 1055.1% 1582.6%
20 6.0% 12.0% 18.0% 24.1% 30.1% 36.1% 42.1% 48.1% 54.1% 60.1% 66.1% 75.2% 90.2% 105.2% 120.3% 135.3% 150.3% 165.4% 180.4% 210.5% 240.5% 270.6% 300.7% 360.8% 451.0% 601.3% 902.0% 1202.7% 1804.0%
21 6.8% 13.7% 20.5% 27.4% 34.2% 41.1% 47.9% 54.8% 61.6% 68.4% 75.3% 85.5% 102.7% 119.8% 136.9% 154.0% 171.1% 188.2% 205.3% 239.5% 273.8% 308.0% 342.2% 410.6% 513.3% 684.4% 1026.6% 1368.8% 2053.2%
22 7.8% 15.6% 23.3% 31.1% 38.9% 46.7% 54.4% 62.2% 70.0% 77.8% 85.6% 97.2% 116.7% 136.1% 155.6% 175.0% 194.5% 213.9% 233.3% 272.2% 311.1% 350.0% 388.9% 466.7% 583.4% 777.8% 1166.7% 1555.6% 2333.4%
23 8.8% 17.7% 26.5% 35.3% 44.1% 53.0% 61.8% 70.6% 79.5% 88.3% 97.1% 110.4% 132.4% 154.5% 176.6% 198.7% 220.7% 242.8% 264.9% 309.0% 353.2% 397.3% 441.5% 529.7% 662.2% 882.9% 1324.4% 1765.8% 2648.7%
24 10.0% 20.0% 30.0% 40.0% 50.1% 60.1% 70.1% 80.1% 90.1% 100.1% 110.1% 125.1% 150.2% 175.2% 200.2% 225.3% 250.3% 275.3% 300.3% 350.4% 400.5% 450.5% 500.6% 600.7% 750.9% 1001.1% 1501.7% 2002.3% 3003.4%
25 11.3% 22.7% 34.0% 45.4% 56.7% 68.0% 79.4% 90.7% 102.1% 113.4% 124.8% 141.8% 170.1% 198.5% 226.8% 255.2% 283.5% 311.9% 340.2% 397.0% 453.7% 510.4% 567.1% 680.5% 850.6% 1134.2% 1701.2% 2268.3% 3402.5%
años 26 12.8% 25.7% 38.5% 51.4% 64.2% 77.0% 89.9% 102.7% 115.5% 128.4% 141.2% 160.5% 192.6% 224.7% 256.8% 288.9% 321.0% 353.0% 385.1% 449.3% 513.5% 577.7% 641.9% 770.3% 962.9% 1283.8% 1925.7% 2567.6% 3851.4%
27 14.5% 29.0% 43.6% 58.1% 72.6% 87.1% 101.7% 116.2% 130.7% 145.2% 159.7% 181.5% 217.8% 254.1% 290.4% 326.7% 363.0% 399.3% 435.6% 508.3% 580.9% 653.5% 726.1% 871.3% 1089.1% 1452.2% 2178.2% 2904.3% 4356.5%
28 16.4% 32.8% 49.2% 65.7% 82.1% 98.5% 114.9% 131.3% 147.7% 164.2% 180.6% 205.2% 246.2% 287.3% 328.3% 369.4% 410.4% 451.4% 492.5% 574.5% 656.6% 738.7% 820.8% 984.9% 1231.2% 1641.6% 2462.3% 3283.1% 4924.7%
29 18.5% 37.1% 55.6% 74.2% 92.7% 111.3% 129.8% 148.4% 166.9% 185.5% 204.0% 231.8% 278.2% 324.6% 370.9% 417.3% 463.7% 510.0% 556.4% 649.1% 741.9% 834.6% 927.3% 1112.8% 1391.0% 1854.6% 2781.9% 3709.3% 5563.9%
30 20.9% 41.9% 62.8% 83.8% 104.7% 125.7% 146.6% 167.5% 188.5% 209.4% 230.4% 261.8% 314.1% 366.5% 418.9% 471.2% 523.6% 575.9% 628.3% 733.0% 837.7% 942.4% 1047.2% 1256.6% 1570.7% 2094.3% 3141.5% 4188.7% 6283.0%
31 23.6% 47.3% 70.9% 94.6% 118.2% 141.8% 165.5% 189.1% 212.8% 236.4% 260.0% 295.5% 354.6% 413.7% 472.8% 531.9% 591.0% 650.1% 709.2% 827.4% 945.6% 1063.8% 1182.0% 1418.4% 1773.0% 2364.0% 3546.0% 4728.0% 7092.0%
32 26.7% 53.3% 80.0% 106.7% 133.4% 160.0% 186.7% 213.4% 240.1% 266.7% 293.4% 333.4% 400.1% 466.8% 533.5% 600.2% 666.8% 733.5% 800.2% 933.6% 1066.9% 1200.3% 1333.7% 1600.4% 2000.5% 2667.4% 4001.1% 5334.7% 8002.1%
33 30.1% 60.2% 90.3% 120.3% 150.4% 180.5% 210.6% 240.7% 270.8% 300.9% 331.0% 376.1% 451.3% 526.5% 601.7% 676.9% 752.2% 827.4% 902.6% 1053.0% 1203.5% 1353.9% 1504.3% 1805.2% 2256.5% 3008.7% 4513.0% 6017.3% 9026.0%
34 33.9% 67.9% 101.8% 135.7% 169.6% 203.6% 237.5% 271.4% 305.3% 339.3% 373.2% 424.1% 508.9% 593.7% 678.5% 763.3% 848.2% 933.0% 1017.8% 1187.4% 1357.0% 1526.7% 1696.3% 2035.6% 2544.5% 3392.6% 5088.9% 6785.2% 10177.9%
35 38.2% 76.5% 114.7% 153.0% 191.2% 229.5% 267.7% 306.0% 344.2% 382.5% 420.7% 478.1% 573.7% 669.3% 764.9% 860.5% 956.1% 1051.8% 1147.4% 1338.6% 1529.8% 1721.1% 1912.3% 2294.7% 2868.4% 3824.6% 5736.9% 7649.2% 11473.7%
36 43.1% 86.2% 129.3% 172.4% 215.5% 258.6% 301.7% 344.8% 387.9% 431.1% 474.2% 538.8% 646.6% 754.3% 862.1% 969.9% 1077.6% 1185.4% 1293.2% 1508.7% 1724.2% 1939.7% 2155.3% 2586.3% 3232.9% 4310.5% 6465.8% 8621.0% 12931.6%
37 48.6% 97.1% 145.7% 194.3% 242.9% 291.4% 340.0% 388.6% 437.1% 485.7% 534.3% 607.2% 728.6% 850.0% 971.4% 1092.9% 1214.3% 1335.7% 1457.2% 1700.0% 1942.9% 2185.7% 2428.6% 2914.3% 3642.9% 4857.2% 7285.8% 9714.4% 14571.6%
38 54.7% 109.4% 164.2% 218.9% 273.6% 328.3% 383.1% 437.8% 492.5% 547.2% 601.9% 684.0% 820.8% 957.6% 1094.4% 1231.3% 1368.1% 1504.9% 1641.7% 1915.3% 2188.9% 2462.5% 2736.1% 3283.3% 4104.2% 5472.2% 8208.4% 10944.5% 16416.7%
39 61.6% 123.3% 184.9% 246.6% 308.2% 369.8% 431.5% 493.1% 554.8% 616.4% 678.1% 770.5% 924.6% 1078.7% 1232.8% 1386.9% 1541.0% 1695.1% 1849.2% 2157.5% 2465.7% 2773.9% 3082.1% 3698.5% 4623.1% 6164.1% 9246.2% 12328.3% 18492.4%
40 69.4% 138.9% 208.3% 277.7% 347.1% 416.6% 486.0% 555.4% 624.8% 694.3% 763.7% 867.8% 1041.4% 1214.9% 1388.5% 1562.1% 1735.6% 1909.2% 2082.8% 2429.9% 2777.0% 3124.1% 3471.3% 4165.5% 5206.9% 6942.5% 10413.8% 13885.1% 20827.6%
41 78.2% 156.4% 234.5% 312.7% 390.9% 469.1% 547.3% 625.5% 703.6% 781.8% 860.0% 977.3% 1172.7% 1368.2% 1563.6% 1759.1% 1954.6% 2150.0% 2345.5% 2736.4% 3127.3% 3518.2% 3909.1% 4690.9% 5863.7% 7818.2% 11727.3% 15636.5% 23454.7%
42 88.0% 176.1% 264.1% 352.1% 440.2% 528.2% 616.2% 704.3% 792.3% 880.3% 968.4% 1100.4% 1320.5% 1540.6% 1760.7% 1980.8% 2200.8% 2420.9% 2641.0% 3081.2% 3521.4% 3961.5% 4401.7% 5282.0% 6602.5% 8803.4% 13205.1% 17606.8% 26410.1%
43 99.1% 198.2% 297.4% 396.5% 495.6% 594.7% 693.8% 792.9% 892.1% 991.2% 1090.3% 1239.0% 1486.8% 1734.5% 1982.3% 2230.1% 2477.9% 2725.7% 2973.5% 3469.1% 3964.7% 4460.3% 4955.8% 5947.0% 7433.8% 9911.7% 14867.5% 19823.4% 29735.0%
44 111.6% 223.2% 334.8% 446.3% 557.9% 669.5% 781.1% 892.7% 1004.3% 1115.9% 1227.4% 1394.8% 1673.8% 1952.7% 2231.7% 2510.7% 2789.6% 3068.6% 3347.6% 3905.5% 4463.4% 5021.3% 5579.3% 6695.1% 8368.9% 11158.5% 16737.8% 22317.0% 33475.5%
45 125.6% 251.2% 376.8% 502.4% 628.1% 753.7% 879.3% 1004.9% 1130.5% 1256.1% 1381.7% 1570.2% 1884.2% 2198.2% 2512.2% 2826.3% 3140.3% 3454.3% 3768.4% 4396.4% 5024.5% 5652.5% 6280.6% 7536.7% 9420.9% 12561.2% 18841.8% 25122.4% 37683.6%
46 141.4% 282.8% 424.2% 565.6% 707.0% 848.4% 989.7% 1131.1% 1272.5% 1413.9% 1555.3% 1767.4% 2120.9% 2474.4% 2827.8% 3181.3% 3534.8% 3888.3% 4241.8% 4948.7% 5655.7% 6362.7% 7069.6% 8483.5% 10604.4% 14139.2% 21208.8% 28278.5% 42417.7%
47 159.1% 318.3% 477.4% 636.6% 795.7% 954.9% 1114.0% 1273.2% 1432.3% 1591.5% 1750.6% 1989.3% 2387.2% 2785.0% 3182.9% 3580.8% 3978.6% 4376.5% 4774.4% 5570.1% 6365.8% 7161.5% 7957.3% 9548.7% 11935.9% 15914.5% 23871.8% 31829.0% 47743.5%
48 179.1% 358.2% 537.4% 716.5% 895.6% 1074.7% 1253.8% 1432.9% 1612.1% 1791.2% 1970.3% 2239.0% 2686.8% 3134.5% 3582.3% 4030.1% 4477.9% 4925.7% 5373.5% 6269.1% 7164.7% 8060.3% 8955.8% 10747.0% 13433.8% 17911.7% 26867.5% 35823.4% 53735.1%
49 201.6% 403.2% 604.8% 806.3% 1007.9% 1209.5% 1411.1% 1612.7% 1814.3% 2015.9% 2217.4% 2519.8% 3023.8% 3527.7% 4031.7% 4535.7% 5039.6% 5543.6% 6047.6% 7055.5% 8063.4% 9071.3% 10079.3% 12095.1% 15118.9% 20158.5% 30237.8% 40317.1% 60475.6%
50 226.9% 453.7% 680.6% 907.4% 1134.3% 1361.2% 1588.0% 1814.9% 2041.8% 2268.6% 2495.5% 2835.8% 3402.9% 3970.1% 4537.2% 5104.4% 5671.6% 6238.7% 6805.9% 7940.2% 9074.5% 10208.8% 11343.1% 13611.7% 17014.7% 22686.2% 34029.3% 45372.5% 68058.7%

Consideramos cualquier tipo de renta pasiva como: fundamentalmente $D$3s, pero también alquileres de inmuebles, ventas parciales de fondos, etc..
* se asume que reinvertimos todas las rentas pasivas cobradas y que invertimos todos los años el ahorro que conseguimos de nuestro sueldo ( ahorro medido como porcentaje de nuestros gastos, no de nuestro sueldo
que sería menor)
** se asume que el nivel de vida o de gastos se mantiene constante, y que solo aumentan con la inflación. Ojo: Un ahorro sobre tus gastos de un 20% implica un 16,7% de ahorro sobre tu sueldo. Un ahorro sobre tus
gastos de un 50% implica un 33,3% de ahorro sobre tu sueldo. Un ahorro sobre tus gastos del 100% implica un 50% de ahorro sobre tu sueldo.