Calculadora 'Si Hubieras Invertido'
Key Financial Terms
Understand the essential concepts behind this calculator
Analysis Paralysis
Overthinking choices until you miss the window to act.
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Delayed Gratification
Choosing to wait for a larger future reward instead of taking a smaller reward right now.
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Opportunity Cost
The value of the next best alternative you give up when making a choice.
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Sunk Cost Fallacy
Continuing to invest in something because you've already spent money on it, even when it's not the best choice.
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Preguntas Frecuentes
Preguntas comunes sobre Calculadora 'Si Hubieras Invertido'
Acciones importantes (por ejemplo, Apple, Amazon, Tesla) y Bitcoin con rangos de datos históricos. Utiliza el modo personalizado para introducir cualquier suposición de rendimiento anual para modelar otros activos.
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Free unit conversion tools
Sources & References
Compound Interest Formula: FV = PV × (1 + r)^n
Future value calculation showing how present spending sacrifices exponential growth over time. Used to convert current purchases into future value equivalents at various return rates and time horizons.
Historical Stock Market Returns
Long-term S&P 500 returns average 10% nominal, 7% inflation-adjusted (1926-2024). Calculator uses 7% real returns as conservative baseline for opportunity cost calculations.
Not All Spending Is Waste
Opportunity cost analysis is a decision-making tool, not a mandate to never spend. Life quality, experiences, and necessary expenses have value. Use this tool to identify low-value spending worth redirecting to savings, not to feel guilty about all consumption.