{"id":5880,"date":"2025-10-28T18:37:17","date_gmt":"2025-10-28T23:37:17","guid":{"rendered":"https:\/\/inversionesguru.com\/co\/?post_type=herramientas&#038;p=5880"},"modified":"2025-11-19T23:11:34","modified_gmt":"2025-11-20T04:11:34","slug":"calculadora-bolsillos-davivienda-colombia","status":"publish","type":"herramientas","link":"https:\/\/inversionesguru.com\/co\/herramientas\/calculadora-bolsillos-davivienda-colombia\/","title":{"rendered":"Calculadora Bolsillos Davivienda Colombia | Simula 8% EA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5880\" class=\"elementor elementor-5880\" data-elementor-post-type=\"herramientas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29c714b e-con-full e-flex e-con e-parent\" data-id=\"29c714b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e30729 elementor-widget elementor-widget-html\" data-id=\"4e30729\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n    #davivienda-calc-wrapper {\r\n        \/* Variables de Tema - Adaptadas a Teal *\/\r\n        --brand-primary: #0D9488 !important;       \/* Teal 600 *\/\r\n        --brand-primary-hover: #0F766E !important; \/* Teal 700 *\/\r\n        --brand-primary-light: #f0fdfa !important; \/* Teal 50 *\/\r\n        --brand-accent-green: #16a34a !important;  \/* Green 600 *\/\r\n        --brand-accent-amber: #d97706 !important;  \/* Amber 600 *\/\r\n        --brand-text-main: #1e293b !important;     \/* Slate 800 *\/\r\n        --brand-text-muted: #64748b !important;    \/* Slate 500 *\/\r\n        --brand-bg-main: #f8fafc !important;       \/* Slate 50 *\/\r\n        --brand-bg-card: #ffffff !important;\r\n        --brand-border-soft: #e2e8f0 !important;   \/* Slate 200 *\/\r\n        --brand-border-focus: #5eead4 !important;  \/* Teal 300 (para focus) *\/\r\n    }\r\n\r\n    #davivienda-calc-wrapper {\r\n        font-family: 'Inter', sans-serif !important;\r\n        background-color: var(--brand-bg-main) !important;\r\n        color: var(--brand-text-main) !important;\r\n        line-height: 1.5 !important;\r\n    }\r\n\r\n    \/* Contenedores Principales *\/\r\n    #davivienda-calc-wrapper .calc-container {\r\n        max-width: 64rem !important;\r\n        margin: 2rem auto !important;\r\n        padding: 0 1rem !important;\r\n    }\r\n\r\n    #davivienda-calc-wrapper .calc-card {\r\n        background-color: var(--brand-bg-card) !important;\r\n        border-radius: 1.25rem !important;\r\n        border: 1px solid var(--brand-border-soft) !important;\r\n        box-shadow: 0 10px 15px -3px rgb(0 0 0 \/ 0.05), 0 4px 6px -4px rgb(0 0 0 \/ 0.05) !important;\r\n        padding: 1.5rem !important;\r\n        margin-bottom: 2rem !important;\r\n    }\r\n    @media (min-width: 768px) { #davivienda-calc-wrapper .calc-card { padding: 2.5rem !important; } }\r\n\r\n    \/* Tipograf\u00eda *\/\r\n    #davivienda-calc-wrapper h1 {\r\n        font-size: 1.875rem !important;\r\n        font-weight: 800 !important;\r\n        color: var(--brand-text-main) !important;\r\n        letter-spacing: -0.025em !important;\r\n        line-height: 1.2 !important;\r\n    }\r\n    #davivienda-calc-wrapper h2 {\r\n        font-size: 1.5rem !important;\r\n        font-weight: 700 !important;\r\n        margin-bottom: 1.5rem !important;\r\n        color: var(--brand-text-main) !important;\r\n    }\r\n    #davivienda-calc-wrapper h3 {\r\n        font-size: 1.25rem !important;\r\n        font-weight: 700 !important;\r\n        margin-bottom: 1rem !important;\r\n        color: var(--brand-text-main) !important;\r\n    }\r\n    #davivienda-calc-wrapper h4 {\r\n        font-size: 1rem !important;\r\n        font-weight: 700 !important;\r\n        margin-bottom: 1rem !important;\r\n        color: var(--brand-text-main) !important;\r\n    }\r\n    #davivienda-calc-wrapper .text-muted { color: var(--brand-text-muted) !important; }\r\n    #davivienda-calc-wrapper .text-sm { font-size: 0.875rem !important; }\r\n    #davivienda-calc-wrapper .text-xs { font-size: 0.75rem !important; }\r\n\r\n    \/* Header *\/\r\n    #davivienda-calc-wrapper header {\r\n        text-align: center !important;\r\n        margin-bottom: 2rem !important;\r\n    }\r\n\r\n    \/* Inputs y Controles *\/\r\n    #davivienda-calc-wrapper .calc-label {\r\n        display: block !important;\r\n        font-size: 0.875rem !important;\r\n        font-weight: 600 !important;\r\n        color: var(--brand-text-main) !important;\r\n        margin-bottom: 0.5rem !important;\r\n    }\r\n    #davivienda-calc-wrapper .calc-input {\r\n        width: 100% !important;\r\n        border: 1px solid var(--brand-border-soft) !important;\r\n        border-radius: 0.75rem !important;\r\n        padding: 0.75rem 1rem !important;\r\n        font-size: 1rem !important;\r\n        transition: all 0.2s !important;\r\n        background: var(--brand-bg-main) !important;\r\n    }\r\n    #davivienda-calc-wrapper .calc-input:focus {\r\n        outline: none !important;\r\n        border-color: var(--brand-border-focus) !important;\r\n        box-shadow: 0 0 0 3px var(--brand-primary-light) !important;\r\n        background: white !important;\r\n    }\r\n\r\n    \/* Input Group *\/\r\n    #davivienda-calc-wrapper .input-group {\r\n        display: grid !important;\r\n        grid-template-columns: repeat(1, 1fr) !important;\r\n        gap: 1.5rem !important;\r\n        margin-bottom: 2rem !important;\r\n    }\r\n    @media (min-width: 768px) { \r\n        #davivienda-calc-wrapper .input-group { \r\n            grid-template-columns: repeat(3, 1fr) !important; \r\n        } \r\n    }\r\n\r\n    #davivienda-calc-wrapper .input-wrapper {\r\n        display: flex !important;\r\n        flex-direction: column !important;\r\n    }\r\n\r\n    #davivienda-calc-wrapper .calc-help {\r\n        font-size: 0.75rem !important;\r\n        color: var(--brand-text-muted) !important;\r\n        margin-top: 0.5rem !important;\r\n    }\r\n\r\n    \/* Info Box *\/\r\n    #davivienda-calc-wrapper .info-box {\r\n        background-color: var(--brand-primary-light) !important;\r\n        border-left: 4px solid var(--brand-primary) !important;\r\n        padding: 1.25rem !important;\r\n        border-radius: 0.75rem !important;\r\n        font-size: 0.875rem !important;\r\n        line-height: 1.7 !important;\r\n        margin-bottom: 1.5rem !important;\r\n    }\r\n\r\n    \/* Botones *\/\r\n    #davivienda-calc-wrapper .btn-group {\r\n        display: flex !important;\r\n        flex-direction: column !important;\r\n        gap: 1rem !important;\r\n        margin-top: 1.5rem !important;\r\n        width: 100% !important;\r\n    }\r\n    \r\n    #davivienda-calc-wrapper .calc-btn {\r\n        flex: 1 !important;\r\n        display: inline-flex !important;\r\n        align-items: center !important;\r\n        justify-content: center !important;\r\n        padding: 0.875rem 1.5rem !important;\r\n        font-weight: 700 !important;\r\n        border-radius: 0.75rem !important;\r\n        transition: all 0.2s !important;\r\n        cursor: pointer !important;\r\n        border: none !important;\r\n        gap: 0.5rem !important;\r\n    }\r\n\r\n    #davivienda-calc-wrapper .text-center {\r\n        text-align: center !important;\r\n        display: flex !important;\r\n        justify-content: center !important;\r\n    }\r\n\r\n    @media (min-width: 768px) {\r\n        #davivienda-calc-wrapper .btn-group {\r\n            flex-direction: row !important;\r\n        }\r\n        #davivienda-calc-wrapper .calc-btn {\r\n            width: auto !important;\r\n        }\r\n    }\r\n\r\n    #davivienda-calc-wrapper .btn-primary {\r\n        background-color: var(--brand-primary) !important;\r\n        color: white !important;\r\n    }\r\n    #davivienda-calc-wrapper .btn-primary:hover { \r\n        background-color: var(--brand-primary-hover) !important; \r\n    }\r\n    #davivienda-calc-wrapper .btn-secondary,\r\n    #davivienda-calc-wrapper .calc-btn.ghost {\r\n        background-color: transparent !important;\r\n        color: var(--brand-text-muted) !important;\r\n        border: 2px solid var(--brand-border-soft) !important;\r\n    }\r\n    #davivienda-calc-wrapper .btn-secondary:hover,\r\n    #davivienda-calc-wrapper .calc-btn.ghost:hover {\r\n        border-color: var(--brand-text-muted) !important;\r\n        color: var(--brand-text-main) !important;\r\n        background-color: var(--brand-bg-main) !important;\r\n    }\r\n\r\n    \/* KPIs (Indicadores) *\/\r\n    #davivienda-calc-wrapper .kpi-grid {\r\n        display: grid !important;\r\n        grid-template-columns: repeat(1, 1fr) !important;\r\n        gap: 1rem !important;\r\n        margin-bottom: 1.5rem !important;\r\n    }\r\n    @media (min-width: 640px) { \r\n        #davivienda-calc-wrapper .kpi-grid { \r\n            grid-template-columns: repeat(2, 1fr) !important; \r\n        } \r\n    }\r\n    @media (min-width: 1024px) { \r\n        #davivienda-calc-wrapper .kpi-grid.four-cols { \r\n            grid-template-columns: repeat(4, 1fr) !important; \r\n        } \r\n    }\r\n\r\n    #davivienda-calc-wrapper .kpi-card {\r\n        background-color: var(--brand-bg-main) !important;\r\n        border: 1px solid var(--brand-border-soft) !important;\r\n        border-radius: 1rem !important;\r\n        padding: 1.25rem !important;\r\n        display: flex !important;\r\n        flex-direction: column !important;\r\n        gap: 0.5rem !important;\r\n    }\r\n    #davivienda-calc-wrapper .kpi-label {\r\n        font-size: 0.75rem !important;\r\n        font-weight: 600 !important;\r\n        text-transform: uppercase !important;\r\n        letter-spacing: 0.05em !important;\r\n        color: var(--brand-text-muted) !important;\r\n        display: flex !important;\r\n        align-items: center !important;\r\n        justify-content: center !important;\r\n        gap: 0.5rem !important;\r\n    }\r\n    #davivienda-calc-wrapper .kpi-val,\r\n    #davivienda-calc-wrapper .kpi-value {\r\n        font-size: 1.5rem !important;\r\n        font-weight: 800 !important;\r\n        color: var(--brand-text-main) !important;\r\n        line-height: 1.2 !important;\r\n        text-align: center !important;\r\n    }\r\n    \r\n    \/* Variantes de KPI *\/\r\n    #davivienda-calc-wrapper .kpi-card.gains,\r\n    #davivienda-calc-wrapper .kpi-card.highlight-green { \r\n        border-left: 4px solid var(--brand-accent-green) !important; \r\n    }\r\n    #davivienda-calc-wrapper .kpi-card.deductions,\r\n    #davivienda-calc-wrapper .kpi-card.highlight-amber { \r\n        border-left: 4px solid var(--brand-accent-amber) !important; \r\n    }\r\n    \r\n    #davivienda-calc-wrapper .kpi-card.final {\r\n        background-color: var(--brand-primary-hover) !important;\r\n        border-color: var(--brand-primary-hover) !important;\r\n        color: white !important; \r\n    }\r\n    #davivienda-calc-wrapper .kpi-card.final .kpi-label { \r\n        color: rgba(255,255,255,0.8) !important; \r\n    }\r\n    #davivienda-calc-wrapper .kpi-card.final .kpi-val,\r\n    #davivienda-calc-wrapper .kpi-card.final .kpi-value { \r\n        color: white !important; \r\n    }\r\n\r\n    \/* Tablas Estilizadas *\/\r\n    #davivienda-calc-wrapper .table-header {\r\n        display: flex !important;\r\n        align-items: center !important;\r\n        gap: 0.75rem !important;\r\n        margin-bottom: 1.5rem !important;\r\n    }\r\n    \r\n    #davivienda-calc-wrapper .table-container,\r\n    #davivienda-calc-wrapper .table-wrapper {\r\n        overflow-x: auto !important;\r\n        border-radius: 1rem !important;\r\n        border: 1px solid var(--brand-border-soft) !important;\r\n        margin-top: 1rem !important;\r\n    }\r\n    #davivienda-calc-wrapper .calc-table { \r\n        width: 100% !important; \r\n        border-collapse: collapse !important; \r\n        table-layout: auto !important;\r\n    }\r\n    #davivienda-calc-wrapper .calc-table th {\r\n        background-color: #f1f5f9 !important;\r\n        color: var(--brand-text-muted) !important;\r\n        font-size: 0.7rem !important;\r\n        font-weight: 700 !important;\r\n        text-transform: uppercase !important;\r\n        letter-spacing: 0.05em !important;\r\n        padding: 0.75rem 1rem !important;\r\n        text-align: left !important;\r\n        white-space: nowrap !important;\r\n        vertical-align: middle !important;\r\n        word-break: normal !important;\r\n    }\r\n    #davivienda-calc-wrapper .calc-table td {\r\n        padding: 0.75rem 1rem !important;\r\n        border-bottom: 1px solid var(--brand-border-soft) !important;\r\n        font-size: 0.9rem !important;\r\n        font-feature-settings: \"tnum\" !important;\r\n        vertical-align: middle !important;\r\n        word-break: normal !important;\r\n        white-space: normal !important;\r\n    }\r\n    #davivienda-calc-wrapper .calc-table tr:last-child td { \r\n        border-bottom: none !important; \r\n    }\r\n    #davivienda-calc-wrapper .calc-table tbody tr:hover { \r\n        background-color: var(--brand-bg-main) !important; \r\n    }\r\n\r\n    \/* Badge *\/\r\n    #davivienda-calc-wrapper .calc-badge {\r\n        display: inline-block !important;\r\n        background-color: var(--brand-primary) !important;\r\n        color: white !important;\r\n        padding: 0.25rem 0.5rem !important;\r\n        border-radius: 0.375rem !important;\r\n        font-size: 0.75rem !important;\r\n        font-weight: 600 !important;\r\n    }\r\n\r\n    \/* Info Grid *\/\r\n    #davivienda-calc-wrapper .info-grid {\r\n        display: grid !important;\r\n        grid-template-columns: 1fr !important;\r\n        gap: 1.5rem !important;\r\n        margin-top: 2rem !important;\r\n    }\r\n    @media (min-width: 768px) { \r\n        #davivienda-calc-wrapper .info-grid { \r\n            grid-template-columns: repeat(2, 1fr) !important; \r\n        } \r\n    }\r\n    \r\n    #davivienda-calc-wrapper .info-section {\r\n        background-color: var(--brand-bg-main) !important;\r\n        border-radius: 1rem !important;\r\n        padding: 1.5rem !important;\r\n    }\r\n    \r\n    #davivienda-calc-wrapper .info-section ul { \r\n        padding-left: 0 !important; \r\n        list-style-type: none !important; \r\n        color: var(--brand-text-muted) !important; \r\n    }\r\n    #davivienda-calc-wrapper .info-section li { \r\n        margin-bottom: 0.5rem !important;\r\n        padding-left: 1.5rem !important;\r\n        position: relative !important;\r\n    }\r\n    #davivienda-calc-wrapper .info-section li::before {\r\n        content: '' !important;\r\n        width: 6px !important;\r\n        height: 6px !important;\r\n        background: var(--brand-primary) !important;\r\n        border-radius: 50% !important;\r\n        position: absolute !important;\r\n        left: 0 !important;\r\n        top: 0.6rem !important;\r\n    }\r\n\r\n    \/* Action Buttons *\/\r\n    #davivienda-calc-wrapper .action-buttons {\r\n        display: flex !important;\r\n        flex-direction: column !important;\r\n        gap: 1rem !important;\r\n        justify-content: center !important;\r\n        align-items: center !important;\r\n    }\r\n    @media (min-width: 768px) {\r\n        #davivienda-calc-wrapper .action-buttons {\r\n            flex-direction: row !important;\r\n        }\r\n    }\r\n\r\n    \/* Toast y Mensajes *\/\r\n    #davivienda-calc-wrapper .share-toast {\r\n        background-color: var(--brand-accent-green) !important;\r\n        color: white !important;\r\n        padding: 0.75rem 1.25rem !important;\r\n        border-radius: 0.5rem !important;\r\n        font-size: 0.875rem !important;\r\n        font-weight: 600 !important;\r\n        display: inline-flex !important;\r\n        align-items: center !important;\r\n        gap: 0.5rem !important;\r\n        box-shadow: 0 4px 12px rgba(22, 163, 74, 0.3) !important;\r\n    }\r\n\r\n    #davivienda-calc-wrapper .error-box {\r\n        background-color: #fee2e2 !important;\r\n        border: 1px solid #fecaca !important;\r\n        color: #dc2626 !important;\r\n        padding: 1rem !important;\r\n        border-radius: 0.75rem !important;\r\n        font-weight: 500 !important;\r\n        margin-top: 1rem !important;\r\n    }\r\n\r\n    \/* Footer *\/\r\n    #davivienda-calc-wrapper footer {\r\n        text-align: center !important;\r\n        padding: 2rem !important;\r\n        color: var(--brand-text-muted) !important;\r\n        font-size: 0.875rem !important;\r\n        margin-top: 2rem !important;\r\n        border-top: 1px solid var(--brand-border-soft) !important;\r\n    }\r\n\r\n    #davivienda-calc-wrapper footer strong {\r\n        color: var(--brand-primary) !important;\r\n    }\r\n\r\n    \/* Utilidades *\/\r\n    #davivienda-calc-wrapper .hidden { \r\n        display: none !important; \r\n    }\r\n    #davivienda-calc-wrapper .text-green { \r\n        color: var(--brand-accent-green) !important; \r\n        font-weight: 600 !important; \r\n    }\r\n    #davivienda-calc-wrapper .text-amber { \r\n        color: var(--brand-accent-amber) !important; \r\n        font-weight: 600 !important; \r\n    }\r\n    #davivienda-calc-wrapper .font-bold { \r\n        font-weight: 700 !important; \r\n    }\r\n\r\n    \/* SVG Icons *\/\r\n    #davivienda-calc-wrapper svg {\r\n        flex-shrink: 0 !important;\r\n    }\r\n<\/style>\r\n\r\n<div id=\"davivienda-calc-wrapper\">\r\n  <div class=\"calc-container\">\r\n    <!-- Tarjeta Principal -->\r\n    <div class=\"calc-card\">\r\n      <header>\r\n        <h1>\ud83d\udcb0 Calculadora de Bolsillos Davivienda<\/h1>\r\n        <p class=\"text-muted\">Simula tus rendimientos con las tasas reales de Davivienda Colombia<\/p>\r\n      <\/header>\r\n\r\n      <!-- Inputs principales -->\r\n      <div class=\"input-group\">\r\n        <div class=\"input-wrapper\">\r\n          <label class=\"calc-label\" for=\"montoDavi\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"><\/line><path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"><\/path><\/svg>\r\n            Monto Inicial (COP)\r\n          <\/label>\r\n          <input id=\"montoDavi\" type=\"text\" inputmode=\"numeric\" class=\"calc-input\" placeholder=\"Ej: 5,000,000\">\r\n          <p class=\"calc-help\">Capital inicial que depositas hoy<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"input-wrapper\">\r\n          <label class=\"calc-label\" for=\"aporteMensualDavi\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"23 6 13.5 15.5 8.5 10.5 1 18\"><\/polyline><polyline points=\"17 6 23 6 23 12\"><\/polyline><\/svg>\r\n            Aporte Mensual (COP)\r\n          <\/label>\r\n          <input id=\"aporteMensualDavi\" type=\"text\" inputmode=\"numeric\" class=\"calc-input\" placeholder=\"Ej: 500,000\">\r\n          <p class=\"calc-help\">Se sumar\u00e1 desde el mes 2 en adelante<\/p>\r\n        <\/div>\r\n        \r\n        <div class=\"input-wrapper\">\r\n          <label class=\"calc-label\" for=\"plazoMeses\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><polyline points=\"12 6 12 12 16 14\"><\/polyline><\/svg>\r\n            Plazo (meses)\r\n          <\/label>\r\n          <input id=\"plazoMeses\" type=\"number\" min=\"1\" max=\"120\" value=\"12\" class=\"calc-input\" placeholder=\"Ej: 12\">\r\n          <p class=\"calc-help\">Entre 1 y 120 meses<\/p>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"info-box\">\r\n        <strong>\u2139\ufe0f Tasas vigentes Davivienda:<\/strong><br>\r\n        \u2022 Saldos menores a $5,000,000: <strong>0.10% E.A.<\/strong><br>\r\n        \u2022 Saldos de $5,000,000 o m\u00e1s: <strong>8.00% E.A.<\/strong><br>\r\n        \u2022 Retenci\u00f3n en la fuente: <strong>7%<\/strong> sobre intereses generados\r\n      <\/div>\r\n      <div class=\"text-center\">\r\n        <button id=\"btnCalcularDavi\" class=\"calc-btn btn-primary\" type=\"button\">\r\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><polyline points=\"12 6 12 12 16 14\"><\/polyline><\/svg>\r\n          Calcular Rendimientos\r\n        <\/button>\r\n      <\/div>\r\n    <\/div>\r\n    <div id=\"resultsWrapperDavi\" class=\"hidden\">\r\n      <h2 class=\"text-center\">\ud83d\udcca Resultados de tu Simulaci\u00f3n<\/h2>\r\n      <div class=\"kpi-grid four-cols\">\r\n        <div class=\"kpi-card\">\r\n          <div class=\"kpi-label\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"><\/line><path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"><\/path><\/svg>\r\n            Total Ahorrado\r\n          <\/div>\r\n          <div id=\"kpiTotalAhorrado\" class=\"kpi-val\">$0<\/div>\r\n        <\/div>\r\n        \r\n        <div class=\"kpi-card gains\">\r\n          <div class=\"kpi-label\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"23 6 13.5 15.5 8.5 10.5 1 18\"><\/polyline><polyline points=\"17 6 23 6 23 12\"><\/polyline><\/svg>\r\n            Intereses Brutos\r\n          <\/div>\r\n          <div id=\"kpiInteresBruto\" class=\"kpi-val\">$0<\/div>\r\n        <\/div>\r\n        \r\n        <div class=\"kpi-card deductions\">\r\n          <div class=\"kpi-label\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"12\" y1=\"8\" x2=\"12\" y2=\"12\"><\/line><line x1=\"12\" y1=\"16\" x2=\"12.01\" y2=\"16\"><\/line><\/svg>\r\n            Retenci\u00f3n 7%\r\n          <\/div>\r\n          <div id=\"kpiRetencion\" class=\"kpi-val\">$0<\/div>\r\n        <\/div>\r\n        \r\n        <div class=\"kpi-card final\">\r\n          <div class=\"kpi-label\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M21 12V7H5a2 2 0 0 1 0-4h14v4\"><\/path><path d=\"M3 5v14a2 2 0 0 0 2 2h16v-5\"><\/path><path d=\"M18 12a2 2 0 0 0 0 4h4v-4h-4z\"><\/path><\/svg>\r\n            Saldo Final\r\n          <\/div>\r\n          <div id=\"kpiSaldoFinal\" class=\"kpi-val\">$0<\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Tabla detalle mensual -->\r\n      <div class=\"calc-card\">\r\n        <div class=\"table-header\">\r\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"><\/rect><line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"><\/line><line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"><\/line><line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"><\/line><\/svg>\r\n          <h3>Proyecci\u00f3n Mes a Mes<\/h3>\r\n        <\/div>\r\n        <div class=\"table-container\">\r\n          <table class=\"calc-table\">\r\n            <thead>\r\n              <tr>\r\n                <th>Mes<\/th>\r\n                <th>Saldo Inicial<\/th>\r\n                <th>Aporte<\/th>\r\n                <th>Tasa E.A.<\/th>\r\n                <th>Int. Bruto<\/th>\r\n                <th>Retenci\u00f3n<\/th>\r\n                <th>Int. Neto<\/th>\r\n                <th>Saldo Final<\/th>\r\n              <\/tr>\r\n            <\/thead>\r\n            <tbody id=\"tbodyDaviMensual\"><\/tbody>\r\n          <\/table>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Resumen adicional -->\r\n      <div class=\"calc-card\">\r\n        <div class=\"info-grid\">\r\n          <div class=\"info-section\">\r\n            <h4>\ud83d\udccc Condiciones del Bolsillo<\/h4>\r\n            <ul>\r\n              <li>Sin cuota de manejo mensual<\/li>\r\n              <li>Liquidez total: retira cuando quieras<\/li>\r\n              <li>Hasta 15 Bolsillos por cuenta<\/li>\r\n              <li>Intereses capitalizados mensualmente<\/li>\r\n              <li>Exenci\u00f3n 4x1000 hasta 65 UVT<\/li>\r\n            <\/ul>\r\n          <\/div>\r\n          <div class=\"info-section\">\r\n            <h4>\ud83d\udca1 Recomendaciones<\/h4>\r\n            <ul>\r\n              <li>Mant\u00e9n saldo superior a $5M para mejor tasa<\/li>\r\n              <li>Evita retiros frecuentes para maximizar intereses<\/li>\r\n              <li>Aprovecha d\u00e9bitos autom\u00e1ticos programados<\/li>\r\n              <li>Verifica tasas actualizadas en Davivienda.com<\/li>\r\n            <\/ul>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- Acciones secundarias -->\r\n    <div class=\"calc-card\">\r\n      <div class=\"action-buttons\">\r\n        <button id=\"btnCompartirDavi\" class=\"calc-btn ghost\" type=\"button\">\r\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><circle cx=\"18\" cy=\"5\" r=\"3\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"3\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"3\"><\/circle><line x1=\"8.59\" y1=\"13.51\" x2=\"15.42\" y2=\"17.49\"><\/line><line x1=\"15.41\" y1=\"6.51\" x2=\"8.59\" y2=\"10.49\"><\/line><\/svg>\r\n          Compartir Simulaci\u00f3n\r\n        <\/button>\r\n        <button id=\"btnLimpiarDavi\" class=\"calc-btn ghost\" type=\"button\">\r\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><polyline points=\"1 4 1 10 7 10\"><\/polyline><polyline points=\"23 20 23 14 17 14\"><\/polyline><path d=\"M20.49 9A9 9 0 0 0 5.64 5.64L1 10m22 4l-4.64 4.36A9 9 0 0 1 3.51 15\"><\/path><\/svg>\r\n          Limpiar Calculadora\r\n        <\/button>\r\n        <span id=\"shareToastDavi\" class=\"share-toast hidden\">\u2713 \u00a1Enlace copiado!<\/span>\r\n      <\/div>\r\n      <div id=\"boxErrorDavi\" class=\"error-box hidden\" role=\"alert\" aria-live=\"assertive\"><\/div>\r\n    <\/div>\r\n\r\n    <footer>\r\n      Calculadora educativa \u2014 Verifica condiciones oficiales en <strong>Davivienda.com<\/strong>\r\n    <\/footer>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function() {\r\n  'use strict';\r\n  \r\n  const CONFIG = {\r\n    tasaBaja: 0.001,\r\n    tasaAlta: 0.08,\r\n    umbralTasa: 5000000,\r\n    retencion: 0.07,\r\n    mesesMin: 1,\r\n    mesesMax: 120,\r\n    fmt0:{style:'currency',currency:'COP',minimumFractionDigits:0,maximumFractionDigits:0},\r\n    fmt2:{style:'currency',currency:'COP',minimumFractionDigits:2,maximumFractionDigits:2}\r\n  };\r\n\r\n  const $ = s => document.querySelector(s);\r\n  const fmt = (v,opt=CONFIG.fmt0)=> new Intl.NumberFormat('es-CO',opt).format(v);\r\n  const ea2em = ea => Math.pow(1+ea, 1\/12) - 1;\r\n  const parseMonto = str => { const d=(str||'').replace(\/[^\\d]\/g,''); return d?parseInt(d,10):NaN; };\r\n  const liveFormat = el => {\r\n    el.addEventListener('input', e=>{\r\n      const digits=e.target.value.replace(\/[^\\d]\/g,'');\r\n      e.target.value = digits?digits.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,','):'';\r\n    });\r\n  };\r\n\r\n  function fitText(el,{min=12,max=30,pad=16}={}){\r\n    if(!el) return;\r\n    const parent = el.parentElement;\r\n    const available = Math.max(0,(parent?.clientWidth||0)-pad);\r\n    if(!available) return;\r\n    let lo=min, hi=max;\r\n    el.style.fontSize = hi + 'px';\r\n    if(el.scrollWidth <= available){ return; }\r\n    while(lo < hi){\r\n      const mid = Math.floor((lo+hi)\/2);\r\n      el.style.fontSize = mid + 'px';\r\n      if(el.scrollWidth <= available) hi = mid; else lo = mid + 1;\r\n    }\r\n    el.style.fontSize = lo + 'px';\r\n  }\r\n  \r\n  const fitAllKpis = () => document.querySelectorAll('#davivienda-calc-wrapper .kpi-val').forEach(el=>fitText(el,{min:12,max:30}));\r\n  const ro = new ResizeObserver(()=>fitAllKpis());\r\n  const wrapper = $('#davivienda-calc-wrapper');\r\n  if(wrapper) ro.observe(wrapper);\r\n\r\n  const montoDavi = $('#montoDavi');\r\n  const aporteMensualDavi = $('#aporteMensualDavi');\r\n  const plazoMeses = $('#plazoMeses');\r\n  const btnCalcularDavi = $('#btnCalcularDavi');\r\n  const resultsWrapperDavi = $('#resultsWrapperDavi');\r\n  const tbodyDaviMensual = $('#tbodyDaviMensual');\r\n  \r\n  const kpiTotalAhorrado = $('#kpiTotalAhorrado');\r\n  const kpiInteresBruto = $('#kpiInteresBruto');\r\n  const kpiRetencion = $('#kpiRetencion');\r\n  const kpiSaldoFinal = $('#kpiSaldoFinal');\r\n  \r\n  const btnCompartirDavi = $('#btnCompartirDavi');\r\n  const btnLimpiarDavi = $('#btnLimpiarDavi');\r\n  const shareToastDavi = $('#shareToastDavi');\r\n  const boxErrorDavi = $('#boxErrorDavi');\r\n\r\n  if(montoDavi) liveFormat(montoDavi);\r\n  if(aporteMensualDavi) liveFormat(aporteMensualDavi);\r\n\r\n  function calcularBolsillos(montoInicial, aporteMensual, meses){\r\n    let saldo = montoInicial;\r\n    let totalBruto = 0;\r\n    let totalRete = 0;\r\n    const rows = [];\r\n\r\n    for(let m = 1; m <= meses; m++){\r\n      const saldoIni = saldo;\r\n      const tasaEA = saldoIni >= CONFIG.umbralTasa ? CONFIG.tasaAlta : CONFIG.tasaBaja;\r\n      const tasaEM = ea2em(tasaEA);\r\n      const interesBruto = saldoIni * tasaEM;\r\n      const rete = interesBruto * CONFIG.retencion;\r\n      const interesNeto = interesBruto - rete;\r\n      saldo = saldoIni + interesNeto;\r\n      const aporteDelMes = m >= 2 ? aporteMensual : 0;\r\n      saldo += aporteDelMes;\r\n      totalBruto += interesBruto;\r\n      totalRete += rete;\r\n      \r\n      rows.push({\r\n        mes: m,\r\n        saldoIni,\r\n        aporte: aporteDelMes,\r\n        tasaEA: (tasaEA * 100).toFixed(2) + '%',\r\n        interesBruto,\r\n        rete,\r\n        interesNeto,\r\n        saldoFin: saldo\r\n      });\r\n    }\r\n\r\n    const totalAhorrado = montoInicial + (aporteMensual * Math.max(0, meses - 1));\r\n    \r\n    return {\r\n      totalAhorrado,\r\n      totalBruto,\r\n      totalRete,\r\n      saldoFinal: saldo,\r\n      rows\r\n    };\r\n  }\r\n\r\n  function renderResultados(res){\r\n    if(kpiTotalAhorrado) kpiTotalAhorrado.textContent = fmt(res.totalAhorrado, CONFIG.fmt0);\r\n    if(kpiInteresBruto) kpiInteresBruto.textContent = fmt(res.totalBruto, CONFIG.fmt2);\r\n    if(kpiRetencion) kpiRetencion.textContent = fmt(res.totalRete, CONFIG.fmt2);\r\n    if(kpiSaldoFinal) kpiSaldoFinal.textContent = fmt(res.saldoFinal, CONFIG.fmt2);\r\n\r\n    if(tbodyDaviMensual) {\r\n      tbodyDaviMensual.innerHTML = res.rows.map(r=>`\r\n        <tr>\r\n          <td><strong>Mes ${r.mes}<\/strong><\/td>\r\n          <td>${fmt(r.saldoIni, CONFIG.fmt0)}<\/td>\r\n          <td>${r.aporte > 0 ? fmt(r.aporte, CONFIG.fmt0) : '\u2014'}<\/td>\r\n          <td><span class=\"calc-badge\">${r.tasaEA}<\/span><\/td>\r\n          <td>${fmt(r.interesBruto, CONFIG.fmt2)}<\/td>\r\n          <td>${fmt(r.rete, CONFIG.fmt2)}<\/td>\r\n          <td>${fmt(r.interesNeto, CONFIG.fmt2)}<\/td>\r\n          <td><strong>${fmt(r.saldoFin, CONFIG.fmt0)}<\/strong><\/td>\r\n        <\/tr>\r\n      `).join('');\r\n    }\r\n\r\n    if(resultsWrapperDavi) {\r\n      resultsWrapperDavi.classList.remove('hidden');\r\n      requestAnimationFrame(fitAllKpis);\r\n      resultsWrapperDavi.scrollIntoView({behavior:'smooth', block:'start'});\r\n    }\r\n  }\r\n\r\n  function showError(msg){ if(boxErrorDavi) { boxErrorDavi.textContent=msg; boxErrorDavi.classList.remove('hidden'); } }\r\n  function hideErrors(){ if(boxErrorDavi) { boxErrorDavi.classList.add('hidden'); boxErrorDavi.textContent=''; } }\r\n\r\n  if(btnCalcularDavi) {\r\n    btnCalcularDavi.addEventListener('click', ()=>{\r\n      hideErrors();\r\n      \r\n      const monto = parseMonto(montoDavi.value);\r\n      const aporte = parseMonto(aporteMensualDavi.value) || 0;\r\n      const meses = parseInt(plazoMeses.value, 10);\r\n\r\n      if(!monto || monto <= 0){\r\n        showError('\u26a0\ufe0f Por favor ingresa un monto inicial v\u00e1lido.');\r\n        return;\r\n      }\r\n\r\n      if(!Number.isInteger(meses) || meses < CONFIG.mesesMin || meses > CONFIG.mesesMax){\r\n        showError(`\u26a0\ufe0f El plazo debe estar entre ${CONFIG.mesesMin} y ${CONFIG.mesesMax} meses.`);\r\n        return;\r\n      }\r\n\r\n      const resultado = calcularBolsillos(monto, aporte, meses);\r\n      renderResultados(resultado);\r\n    });\r\n  }\r\n\r\n  function buildURL(){\r\n    const p = new URLSearchParams();\r\n    const m = parseMonto(montoDavi.value);\r\n    const a = parseMonto(aporteMensualDavi.value);\r\n    const t = parseInt(plazoMeses.value, 10);\r\n    \r\n    if(m) p.set('monto', m);\r\n    if(a) p.set('aporte', a);\r\n    if(Number.isInteger(t)) p.set('meses', t);\r\n    \r\n    return location.origin + location.pathname + '?' + p.toString();\r\n  }\r\n\r\n  if(btnCompartirDavi) {\r\n    btnCompartirDavi.addEventListener('click', ()=>{\r\n      const url = buildURL();\r\n      navigator.clipboard.writeText(url).then(()=>{\r\n        if(shareToastDavi) {\r\n          shareToastDavi.classList.remove('hidden');\r\n          setTimeout(()=>shareToastDavi.classList.add('hidden'), 2500);\r\n        }\r\n        history.replaceState(null, '', url);\r\n      }).catch(()=>showError('\u274c No fue posible copiar el enlace.'));\r\n    });\r\n  }\r\n\r\n  function limpiarTodo(){\r\n    hideErrors();\r\n    if(montoDavi) montoDavi.value = '';\r\n    if(aporteMensualDavi) aporteMensualDavi.value = '';\r\n    if(plazoMeses) plazoMeses.value = '12';\r\n    if(resultsWrapperDavi) resultsWrapperDavi.classList.add('hidden');\r\n    if(tbodyDaviMensual) tbodyDaviMensual.innerHTML = '';\r\n    if(shareToastDavi) shareToastDavi.classList.add('hidden');\r\n    history.replaceState(null, '', location.pathname);\r\n    window.scrollTo({top:0, behavior:'smooth'});\r\n  }\r\n\r\n  if(btnLimpiarDavi) {\r\n    btnLimpiarDavi.addEventListener('click', limpiarTodo);\r\n  }\r\n\r\n  function aplicarURL(){\r\n    const q = new URLSearchParams(location.search);\r\n    if(!q.has('monto')) return;\r\n    \r\n    const m = q.get('monto');\r\n    const a = q.get('aporte');\r\n    const t = q.get('meses');\r\n    \r\n    if(m && montoDavi){ montoDavi.value = String(m).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,','); }\r\n    if(a && aporteMensualDavi){ aporteMensualDavi.value = String(a).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,','); }\r\n    if(t && plazoMeses && Number.isInteger(parseInt(t,10))){ plazoMeses.value = t; }\r\n    \r\n    if(btnCalcularDavi) btnCalcularDavi.click();\r\n  }\r\n\r\n  aplicarURL();\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcb0 Calculadora de Bolsillos Davivienda Simula tus rendimientos con las tasas reales de Davivienda Colombia Monto Inicial (COP) Capital inicial que depositas hoy Aporte Mensual (COP) Se sumar\u00e1 desde el mes 2 en adelante Plazo (meses) Entre 1 y 120 meses \u2139\ufe0f Tasas vigentes Davivienda: \u2022 Saldos menores a $5,000,000: 0.10% E.A. \u2022 Saldos de&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5813,"template":"","meta":{"_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-5880","herramientas","type-herramientas","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas"}],"about":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/types\/herramientas"}],"author":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/users\/1"}],"version-history":[{"count":11,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5880\/revisions"}],"predecessor-version":[{"id":6092,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5880\/revisions\/6092"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media\/5813"}],"wp:attachment":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media?parent=5880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}