{"id":1258,"date":"2026-09-18T22:29:30","date_gmt":"2026-09-18T22:29:30","guid":{"rendered":"https:\/\/neverlosebitcoin.com\/?page_id=1258"},"modified":"2026-10-13T15:41:31","modified_gmt":"2026-10-13T15:41:31","slug":"pension","status":"publish","type":"page","link":"https:\/\/neverlosebitcoin.com\/es\/calculators\/pension\/","title":{"rendered":"Calculadora de pensiones en bitcoins"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Un peque\u00f1o h\u00e1bito mensual con bitcoins puede traducirse en un ahorro considerable a lo largo de d\u00e9cadas. Introduce tu edad, tu objetivo de jubilaci\u00f3n y tu importe mensual para calcular cu\u00e1nto podr\u00eda valer tu ahorro cuando te jubiles. Un ahorro pensado para durar d\u00e9cadas merece una protecci\u00f3n seria: nuestro <a href=\"https:\/\/neverlosebitcoin.com\/es\/wizard\/\">Asistente de compatibilidad con firmas m\u00faltiples<\/a> te ayuda a dise\u00f1ar un plan de custodia a largo plazo. Si a\u00fan no has elegido un servicio de almacenamiento, empieza por nuestra gu\u00eda sobre el <a href=\"https:\/\/neverlosebitcoin.com\/es\/best-bitcoin-wallet\/\">la mejor cartera de bitcoins<\/a>.<\/p>\n\n\n\n<div class=\"nlb-calc\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n<style>\n.nlb-calc { font-family: 'Inter', system-ui, -apple-system, sans-serif; background: #F7FAFC; border: 1px solid #E5E7EB; border-radius: 20px; padding: 32px; max-width: 720px; margin: 0 auto; color: #0F172A; }\n.nlb-calc h3 { font-size: 24px; font-weight: 800; letter-spacing: -0.02em; margin: 0 0 6px; }\n.nlb-calc .nlb-sub { color: #64748B; font-size: 15px; margin: 0 0 24px; line-height: 1.6; }\n.nlb-calc .nlb-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 20px; }\n.nlb-calc label { display: block; font-size: 13px; font-weight: 600; color: #475569; margin-bottom: 6px; }\n.nlb-calc input { width: 100%; box-sizing: border-box; font-family: inherit; font-size: 16px; font-weight: 600; padding: 12px 14px; border: 1px solid #E5E7EB; border-radius: 12px; background: #FFFFFF; color: #0F172A; outline: none; transition: border-color .15s, box-shadow .15s; }\n.nlb-calc input:focus { border-color: #F7931A; box-shadow: 0 0 0 3px rgba(247,147,26,.15); }\n.nlb-calc button.nlb-btn { font-family: inherit; font-size: 16px; font-weight: 700; color: #fff; background: #F7931A; border: none; border-radius: 12px; padding: 14px 28px; cursor: pointer; transition: transform .1s, background .15s; }\n.nlb-calc button.nlb-btn:hover { background: #E8850C; }\n.nlb-calc button.nlb-btn:active { transform: scale(.98); }\n.nlb-calc .nlb-results { display: none; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 24px; }\n.nlb-calc .nlb-results.show { display: grid; }\n.nlb-calc .nlb-stat { background: #FFFFFF; border: 1px solid #E5E7EB; border-radius: 14px; padding: 18px 16px; }\n.nlb-calc .nlb-stat.wide { grid-column: 1 \/ -1; text-align: center; padding: 26px 16px; }\n.nlb-calc .nlb-stat .nlb-k { font-size: 12px; font-weight: 600; color: #94A3B8; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 6px; }\n.nlb-calc .nlb-stat .nlb-v { font-size: 22px; font-weight: 800; letter-spacing: -0.02em; }\n.nlb-calc .nlb-stat.wide .nlb-v { font-size: 40px; color: #F7931A; letter-spacing: -0.03em; }\n.nlb-calc .nlb-fine { font-size: 12px; color: #94A3B8; margin: 20px 0 0; line-height: 1.6; }\n@media (max-width: 560px) { .nlb-calc .nlb-grid, .nlb-calc .nlb-results { grid-template-columns: 1fr; } .nlb-calc { padding: 24px 20px; } .nlb-calc .nlb-stat.wide .nlb-v { font-size: 30px; } }\nbody.color-switch-dark .nlb-calc { background: #151B24; border-color: #2D333B; color: #F1F5F9; }\nbody.color-switch-dark .nlb-calc .nlb-sub { color: #94A3B8; }\nbody.color-switch-dark .nlb-calc label { color: #CBD5E1; }\nbody.color-switch-dark .nlb-calc input { background: #0B0E13; border-color: #2D333B; color: #F1F5F9; }\nbody.color-switch-dark .nlb-calc .nlb-stat { background: #0B0E13; border-color: #2D333B; }\n<\/style>\n<h3>Calculadora de pensiones en bitcoins<\/h3>\n<p class=\"nlb-sub\">\u00bfCu\u00e1nto podr\u00eda valer un h\u00e1bito mensual relacionado con el bitcoin cuando te jubiles?<\/p>\n<div class=\"nlb-grid\">\n  <div><label for=\"pen-age\">Tu edad hoy<\/label><input id=\"pen-age\" type=\"number\" value=\"30\" min=\"16\" max=\"100\"><\/div>\n  <div><label for=\"pen-retire\">Edad de jubilaci\u00f3n<\/label><input id=\"pen-retire\" type=\"number\" value=\"60\" min=\"17\" max=\"100\"><\/div>\n  <div><label for=\"pen-monthly\">Inversi\u00f3n mensual (USD)<\/label><input id=\"pen-monthly\" type=\"number\" value=\"200\" min=\"1\"><\/div>\n  <div><label for=\"pen-growth\">Crecimiento anual previsto (%)<\/label><input id=\"pen-growth\" type=\"number\" value=\"25\" min=\"-90\" max=\"1000\"><\/div>\n<\/div>\n<button class=\"nlb-btn\" id=\"pen-btn\">Calcular<\/button>\n<div class=\"nlb-results\" id=\"pen-results\">\n  <div class=\"nlb-stat wide\"><div class=\"nlb-k\">Cartera prevista para la jubilaci\u00f3n<\/div><div class=\"nlb-v\" id=\"pen-value\">\u2013<\/div><\/div>\n  <div class=\"nlb-stat\"><div class=\"nlb-k\">Total invertido<\/div><div class=\"nlb-v\" id=\"pen-invested\">\u2013<\/div><\/div>\n  <div class=\"nlb-stat\"><div class=\"nlb-k\">Bitcoin acumulado<\/div><div class=\"nlb-v\" id=\"pen-btc\">\u2013<\/div><\/div>\n<\/div>\n<p class=\"nlb-fine\">Se trata \u00fanicamente de una proyecci\u00f3n, no de un consejo financiero. Se parte de la hip\u00f3tesis de que el precio del bitcoin crece de forma constante al ritmo que t\u00fa establezcas, con compras mensuales. No tiene en cuenta la inflaci\u00f3n, los impuestos ni las comisiones, y hay que tener en cuenta que los mercados reales son vol\u00e1tiles. Los resultados pasados no garantizan en ning\u00fan caso los resultados futuros.<\/p>\n<script>\n(function(){\n  var PRICE = 81200;\n  fetch('https:\/\/api.coingecko.com\/api\/v3\/simple\/price?ids=bitcoin&vs_currencies=usd')\n    .then(function(r){ return r.json(); })\n    .then(function(j){ if (j && j.bitcoin && j.bitcoin.usd) PRICE = j.bitcoin.usd; })\n    .catch(function(){});\n  function fmt(n){ return '$' + Math.round(n).toLocaleString('en-US'); }\n  document.getElementById('pen-btn').addEventListener('click', function(){\n    var age = parseFloat(document.getElementById('pen-age').value) || 30;\n    var ret = parseFloat(document.getElementById('pen-retire').value) || 60;\n    var monthly = parseFloat(document.getElementById('pen-monthly').value) || 0;\n    var g = (parseFloat(document.getElementById('pen-growth').value) || 0) \/ 100;\n    var years = Math.max(ret - age, 0), months = Math.round(years * 12), btc = 0;\n    for (var m = 0; m < months; m++) { btc += monthly \/ (PRICE * Math.pow(1 + g, m \/ 12)); }\n    var endPrice = PRICE * Math.pow(1 + g, years);\n    document.getElementById('pen-value').textContent = fmt(btc * endPrice);\n    document.getElementById('pen-invested').textContent = fmt(monthly * months);\n    document.getElementById('pen-btc').textContent = btc.toFixed(btc < 0.01 ? 6 : 4) + ' BTC';\n    document.getElementById('pen-results').classList.add('show');\n  });\n})();\n<\/script>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntas frecuentes<\/h2>\n\n\n<style>.kt-accordion-id1258_ee416c-b0 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-id1258_ee416c-b0 .kt-accordion-panel-inner{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id1258_ee416c-b0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 767px){.kt-accordion-id1258_ee416c-b0 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id1258_ee416c-b0 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id1258_ee416c-b0 kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane1258_5e5b6e-53\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">\u00bfPara qu\u00e9 sirve la calculadora de pensiones?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Calcula cu\u00e1nto podr\u00eda valer una inversi\u00f3n mensual fija en bitcoins cuando te jubiles. Solo tienes que introducir tu edad actual, la edad de jubilaci\u00f3n, la cantidad mensual y una tasa de crecimiento anual estimada.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane1258_6c8e25-ef\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">\u00bfQu\u00e9 tasa de crecimiento deber\u00eda suponer?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">El valor predeterminado es del 25 % anual, pero puedes modificarlo. La p\u00e1gina advierte de que la proyecci\u00f3n parte de la hip\u00f3tesis de un crecimiento constante al ritmo que t\u00fa establezcas, lo que no se corresponder\u00e1 con la volatilidad real del mercado.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane1258_080fac-b4\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">\u00bfTiene en cuenta la inflaci\u00f3n, las comisiones o los impuestos?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">No. Lo que muestra es c\u00f3mo crece el importe invertido al tipo de inter\u00e9s previsto, sin deducir comisiones, inflaci\u00f3n ni impuestos. El poder adquisitivo real ser\u00eda menor.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane1258_2498e0-ce\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">\u00bfSe trata de un consejo financiero?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">No. En la p\u00e1gina se indica que el resultado es solo una estimaci\u00f3n, no un consejo financiero. La forma de ahorrar para la jubilaci\u00f3n es decisi\u00f3n tuya.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A small monthly bitcoin habit can compound into serious savings over the decades. Enter your age, your retirement goal, and your monthly amount to project what your stack could be worth when you retire. A stack meant to last decades deserves serious protection: our Multisig Compatibility Wizard helps you design a long-term custody setup. If&#8230;<\/p>","protected":false},"author":5,"featured_media":1918,"parent":1237,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-1258","page","type-page","status-publish","has-post-thumbnail","hentry"],"taxonomy_info":[],"featured_image_src_large":["https:\/\/neverlosebitcoin.com\/wp-content\/uploads\/2026\/09\/nlb-default-thumbnail-1024x576.webp",1024,576,true],"author_info":{"display_name":"WUMBOLOVER","author_link":"https:\/\/neverlosebitcoin.com\/es\/author\/wumbolover\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/pages\/1258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/comments?post=1258"}],"version-history":[{"count":3,"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/pages\/1258\/revisions"}],"predecessor-version":[{"id":1737,"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/pages\/1258\/revisions\/1737"}],"up":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/pages\/1237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/media\/1918"}],"wp:attachment":[{"href":"https:\/\/neverlosebitcoin.com\/es\/wp-json\/wp\/v2\/media?parent=1258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}