{"id":5896,"date":"2025-02-02T15:03:02","date_gmt":"2025-02-02T20:03:02","guid":{"rendered":"https:\/\/inversionesguru.com\/co\/?post_type=herramientas&#038;p=5896"},"modified":"2026-02-19T15:45:15","modified_gmt":"2026-02-19T20:45:15","slug":"simulador-de-rendimientos-uala-colombia","status":"publish","type":"herramientas","link":"https:\/\/inversionesguru.com\/co\/herramientas\/simulador-de-rendimientos-uala-colombia\/","title":{"rendered":"Simulador de Rendimientos Ual\u00e1 Colombia | Febrero 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5896\" class=\"elementor elementor-5896\" data-elementor-post-type=\"herramientas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf8ab9 e-flex e-con-boxed e-con e-parent\" data-id=\"4bf8ab9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d43df4d elementor-widget elementor-widget-html\" data-id=\"d43df4d\" 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>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n<style>\n  \/* === SISTEMA DE DISE\u00d1O ENCAPSULADO (Basado en Calculadora Anterior) === *\/\n  #uala-calc-wrapper {\n    \/* Variables de Tema - Adaptadas a Naranja Ual\u00e1 (ahora con teal) *\/\n    --brand-primary: #0D9488 !important;       \/* Teal 600 *\/\n    --brand-primary-hover: #0F766E !important; \/* Teal 700 *\/\n    --brand-primary-light: #f0fdfa !important; \/* Teal 50 *\/\n    --brand-accent-green: #16a34a !important;  \/* Green 600 *\/\n    --brand-accent-amber: #d97706 !important;  \/* Amber 600 *\/\n    --brand-text-main: #1e293b !important;     \/* Slate 800 *\/\n    --brand-text-muted: #64748b !important;    \/* Slate 500 *\/\n    --brand-bg-main: #f8fafc !important;       \/* Slate 50 *\/\n    --brand-bg-card: #ffffff !important;\n    --brand-border-soft: #e2e8f0 !important;   \/* Slate 200 *\/\n    --brand-border-focus: #5eead4 !important;  \/* Teal 300 (para focus) *\/\n  }\n\n  #uala-calc-wrapper {\n    font-family: 'Inter', sans-serif !important;\n    background-color: var(--brand-bg-main) !important;\n    color: var(--brand-text-main) !important;\n    line-height: 1.5 !important;\n  }\n\n  \/* Contenedores Principales *\/\n  #uala-calc-wrapper .calc-container {\n    max-width: 64rem !important;\n    margin: 2rem auto !important;\n    padding: 0 1rem !important;\n  }\n\n  #uala-calc-wrapper .calc-card {\n    background-color: var(--brand-bg-card) !important;\n    border-radius: 1.25rem !important;\n    border: 1px solid var(--brand-border-soft) !important;\n    box-shadow: 0 10px 15px -3px rgb(0 0 0 \/ 0.05), 0 4px 6px -4px rgb(0 0 0 \/ 0.05) !important;\n    padding: 1.5rem !important;\n    margin-bottom: 2rem !important;\n  }\n\n  @media (min-width: 768px) {\n    #uala-calc-wrapper .calc-card {\n      padding: 2.5rem !important;\n    }\n  }\n\n  \/* Tipograf\u00eda *\/\n  #uala-calc-wrapper h1 {\n    font-size: 1.875rem !important;\n    font-weight: 800 !important;\n    color: var(--brand-text-main) !important;\n    letter-spacing: -0.025em !important;\n    line-height: 1.2 !important;\n  }\n\n  #uala-calc-wrapper h2 {\n    font-size: 1.5rem !important;\n    font-weight: 700 !important;\n    margin-bottom: 1.5rem !important;\n    color: var(--brand-text-main) !important;\n  }\n\n  #uala-calc-wrapper .text-muted {\n    color: var(--brand-text-muted) !important;\n  }\n\n  #uala-calc-wrapper .text-sm {\n    font-size: 0.875rem !important;\n  }\n\n  #uala-calc-wrapper .text-xs {\n    font-size: 0.75rem !important;\n  }\n\n  \/* Inputs y Controles *\/\n  #uala-calc-wrapper .calc-label {\n    display: block !important;\n    font-size: 0.875rem !important;\n    font-weight: 600 !important;\n    color: var(--brand-text-main) !important;\n    margin-bottom: 0.5rem !important;\n  }\n\n  #uala-calc-wrapper .calc-input {\n    width: 100% !important;\n    border: 1px solid var(--brand-border-soft) !important;\n    border-radius: 0.75rem !important;\n    padding: 0.75rem 1rem !important;\n    font-size: 1rem !important;\n    transition: all 0.2s !important;\n    background: var(--brand-bg-main) !important;\n  }\n\n  #uala-calc-wrapper .calc-input:focus {\n    outline: none !important;\n    border-color: var(--brand-border-focus) !important;\n    box-shadow: 0 0 0 3px var(--brand-primary-light) !important;\n    background: white !important;\n  }\n\n  \/* Radio Buttons Personalizados *\/\n  #uala-calc-wrapper .radio-group {\n    display: grid !important;\n    grid-template-columns: repeat(1, 1fr) !important;\n    gap: 0.75rem !important;\n  }\n\n  @media (min-width: 640px) {\n    #uala-calc-wrapper .radio-group {\n      grid-template-columns: repeat(3, 1fr) !important;\n    }\n  }\n\n  #uala-calc-wrapper .radio-option {\n    position: relative !important;\n  }\n\n  #uala-calc-wrapper .radio-option input[type=\"radio\"] {\n    position: absolute !important;\n    opacity: 0 !important;\n    width: 0 !important;\n    height: 0 !important;\n  }\n\n  #uala-calc-wrapper .radio-tile {\n    display: flex !important;\n    flex-direction: column !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 0.5rem !important;\n    padding: 1rem !important;\n    border-radius: 1rem !important;\n    border: 2px solid var(--brand-border-soft) !important;\n    background-color: var(--brand-bg-card) !important;\n    transition: all 0.2s ease !important;\n    cursor: pointer !important;\n    text-align: center !important;\n    height: 100% !important;\n  }\n\n  #uala-calc-wrapper .radio-option input:checked+.radio-tile {\n    border-color: var(--brand-primary) !important;\n    background-color: var(--brand-primary-light) !important;\n    color: var(--brand-primary) !important;\n  }\n\n  #uala-calc-wrapper .radio-label {\n    font-weight: 700 !important;\n    font-size: 1.1rem !important;\n  }\n\n  #uala-calc-wrapper .radio-badge {\n    font-size: 0.7rem !important;\n    text-transform: uppercase !important;\n    letter-spacing: 0.05em !important;\n    background: var(--brand-bg-main) !important;\n    padding: 0.25rem 0.5rem !important;\n    border-radius: 99px !important;\n    color: var(--brand-text-muted) !important;\n  }\n\n  #uala-calc-wrapper .radio-option input:checked+.radio-tile .radio-badge {\n    background-color: white !important;\n    color: var(--brand-primary) !important;\n    font-weight: 600 !important;\n  }\n\n  \/* Botones *\/\n  #uala-calc-wrapper .btn-group {\n    display: flex !important;\n    flex-direction: column !important;\n    gap: 1rem !important;\n    margin-top: 1.5rem !important;\n    width: 100% !important;\n  }\n\n  #uala-calc-wrapper .calc-btn {\n    flex: 1 !important;\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    padding: 0.875rem 1.5rem !important;\n    font-weight: 700 !important;\n    border-radius: 0.75rem !important;\n    transition: all 0.2s !important;\n    cursor: pointer !important;\n    border: none !important;\n    width: 100% !important;\n  }\n\n  @media (min-width: 768px) {\n    #uala-calc-wrapper .btn-group {\n      flex-direction: row !important;\n    }\n\n    #uala-calc-wrapper .calc-btn {\n      width: auto !important;\n    }\n  }\n\n  #uala-calc-wrapper .btn-primary {\n    background-color: var(--brand-primary) !important;\n    color: white !important;\n  }\n\n  #uala-calc-wrapper .btn-primary:hover {\n    background-color: var(--brand-primary-hover) !important;\n  }\n\n  #uala-calc-wrapper .btn-secondary {\n    background-color: transparent !important;\n    color: var(--brand-text-muted) !important;\n    border: 2px solid var(--brand-border-soft) !important;\n  }\n\n  #uala-calc-wrapper .btn-secondary:hover {\n    border-color: var(--brand-text-muted) !important;\n    color: var(--brand-text-main) !important;\n    background-color: var(--brand-bg-main) !important;\n  }\n\n  \/* KPIs (Indicadores) *\/\n  #uala-calc-wrapper .kpi-grid {\n    display: grid !important;\n    grid-template-columns: repeat(1, 1fr) !important;\n    gap: 1rem !important;\n    margin-bottom: 1.5rem !important;\n  }\n\n  @media (min-width: 640px) {\n    #uala-calc-wrapper .kpi-grid {\n      grid-template-columns: repeat(2, 1fr) !important;\n    }\n  }\n\n  @media (min-width: 1024px) {\n    #uala-calc-wrapper .kpi-grid.four-cols {\n      grid-template-columns: repeat(4, 1fr) !important;\n    }\n  }\n\n  #uala-calc-wrapper .kpi-card {\n    background-color: var(--brand-bg-main) !important;\n    border: 1px solid var(--brand-border-soft) !important;\n    border-radius: 1rem !important;\n    padding: 1.25rem !important;\n    display: flex !important;\n    flex-direction: column !important;\n    gap: 0.5rem !important;\n  }\n\n  #uala-calc-wrapper .kpi-label {\n    font-size: 0.75rem !important;\n    font-weight: 600 !important;\n    text-transform: uppercase !important;\n    letter-spacing: 0.05em !important;\n    color: var(--brand-text-muted) !important;\n  }\n\n  #uala-calc-wrapper .kpi-value {\n    font-size: 1.5rem !important;\n    font-weight: 800 !important;\n    color: var(--brand-text-main) !important;\n    line-height: 1.2 !important;\n  }\n\n  \/* Variantes de KPI *\/\n  #uala-calc-wrapper .kpi-card.highlight-green {\n    border-left: 4px solid var(--brand-accent-green) !important;\n  }\n\n  #uala-calc-wrapper .kpi-card.highlight-amber {\n    border-left: 4px solid var(--brand-accent-amber) !important;\n  }\n\n  #uala-calc-wrapper .kpi-card.final {\n    background-color: var(--brand-primary-hover) !important;\n    border-color: var(--brand-primary-hover) !important;\n    color: white !important;\n  }\n\n  #uala-calc-wrapper .kpi-card.final .kpi-label {\n    color: rgba(255, 255, 255, 0.8) !important;\n  }\n\n  #uala-calc-wrapper .kpi-card.final .kpi-value {\n    color: white !important;\n  }\n\n  #uala-calc-wrapper #simInfo {\n    display: flex !important;\n    flex-direction: column !important;\n    align-items: center !important;\n    gap: 0.25rem !important;\n    font-weight: 700 !important;\n  }\n\n  @media (min-width: 640px) {\n    #uala-calc-wrapper #simInfo {\n      flex-direction: row !important;\n      gap: 0.5rem !important;\n    }\n  }\n\n  \/* Tablas Estilizadas *\/\n  #uala-calc-wrapper .table-container {\n    overflow-x: auto !important;\n    border-radius: 1rem !important;\n    border: 1px solid var(--brand-border-soft) !important;\n    margin-top: 1rem !important;\n  }\n\n  #uala-calc-wrapper .calc-table {\n    width: 100% !important;\n    border-collapse: collapse !important;\n    table-layout: auto !important;\n  }\n\n  #uala-calc-wrapper .calc-table th {\n    background-color: #f1f5f9 !important;\n    color: var(--brand-text-muted) !important;\n    font-size: 0.7rem !important;\n    font-weight: 700 !important;\n    text-transform: uppercase !important;\n    letter-spacing: 0.05em !important;\n    padding: 0.75rem 1rem !important;\n    text-align: left !important;\n    white-space: nowrap !important;\n    vertical-align: middle !important;\n    word-break: normal !important;\n  }\n\n  #uala-calc-wrapper .calc-table td {\n    padding: 0.75rem 1rem !important;\n    border-bottom: 1px solid var(--brand-border-soft) !important;\n    font-size: 0.9rem !important;\n    font-feature-settings: \"tnum\" !important;\n    vertical-align: middle !important;\n    word-break: normal !important;\n    white-space: normal !important;\n  }\n\n  #uala-calc-wrapper .calc-table tr:last-child td {\n    border-bottom: none !important;\n  }\n\n  #uala-calc-wrapper .calc-table tbody tr:hover {\n    background-color: var(--brand-bg-main) !important;\n  }\n\n  \/* Notas y Utilidades *\/\n  #uala-calc-wrapper .notes-grid {\n    display: grid !important;\n    grid-template-columns: 1fr !important;\n    gap: 1.5rem !important;\n    margin-top: 3rem !important;\n    padding-top: 2rem !important;\n    border-top: 1px solid var(--brand-border-soft) !important;\n  }\n\n  @media (min-width: 768px) {\n    #uala-calc-wrapper .notes-grid {\n      grid-template-columns: repeat(2, 1fr) !important;\n    }\n  }\n\n  #uala-calc-wrapper .note-card {\n    background-color: var(--brand-bg-main) !important;\n    border-radius: 1rem !important;\n    padding: 1.5rem !important;\n    font-size: 0.875rem !important;\n  }\n\n  #uala-calc-wrapper .note-card h3 {\n    font-size: 1rem !important;\n    margin-bottom: 1rem !important;\n    color: var(--brand-text-main) !important;\n  }\n\n  #uala-calc-wrapper .note-list {\n    padding-left: 1rem !important;\n    list-style-type: disc !important;\n    color: var(--brand-text-muted) !important;\n  }\n\n  #uala-calc-wrapper .note-list li {\n    margin-bottom: 0.5rem !important;\n  }\n\n  #uala-calc-wrapper .hidden {\n    display: none !important;\n  }\n\n  #uala-calc-wrapper .text-green {\n    color: var(--brand-accent-green) !important;\n    font-weight: 600 !important;\n  }\n\n  #uala-calc-wrapper .text-amber {\n    color: var(--brand-accent-amber) !important;\n    font-weight: 600 !important;\n  }\n\n  #uala-calc-wrapper .font-bold {\n    font-weight: 700 !important;\n  }\n\n  \/* Mensajes de alerta *\/\n  #uala-calc-wrapper #msg {\n    padding: 1rem !important;\n    border-radius: 0.75rem !important;\n    font-weight: 500 !important;\n    margin-bottom: 1.5rem !important;\n    border: 1px solid var(--brand-border-soft) !important;\n    background: var(--brand-bg-main) !important;\n    color: var(--brand-text-main) !important;\n  }\n\n  #uala-calc-wrapper #msg.error {\n    background-color: #fee2e2 !important;\n    color: #dc2626 !important;\n    border: 1px solid #fecaca !important;\n  }\n<\/style>\n\n<div id=\"uala-calc-wrapper\">\n  <div class=\"calc-container\">\n    <div class=\"calc-card\">\n      <header class=\"text-center mb-8\">\n        <h1>\ud83d\udcb3 Simulador Rendimientos Ual\u00e1<\/h1>\n        <p class=\"text-muted mt-2\">Simula el <b>5% E.A. diario<\/b> (sin condiciones) y el <b>rendimiento adicional<\/b> (8,25% o 10,5% E.A.) que se liquida <b>mensualmente<\/b> si cumples la condici\u00f3n del mes.<\/p>\n      <\/header>\n\n      <div class=\"grid grid-cols-1 md:grid-cols-3 gap-6 mb-8\">\n        <div>\n          <label for=\"saldo\" class=\"calc-label\">Saldo inicial (COP)<\/label>\n          <input id=\"saldo\" type=\"text\" inputmode=\"decimal\" class=\"calc-input\" placeholder=\"$ 0\">\n          <div id=\"saldo-tip\" class=\"text-xs mt-2 text-amber font-bold\"><\/div>\n        <\/div>\n        <div>\n          <label for=\"dias\" class=\"calc-label\">D\u00edas a simular<\/label>\n          <input id=\"dias\" type=\"number\" min=\"1\" max=\"1095\" value=\"60\" class=\"calc-input\">\n        <\/div>\n        <div>\n          <label for=\"inicio\" class=\"calc-label\">Fecha de inicio<\/label>\n          <input id=\"inicio\" type=\"date\" class=\"calc-input\">\n        <\/div>\n      <\/div>\n\n      <div class=\"mb-8\">\n        <label class=\"calc-label mb-3\">Selecciona tu escenario de rendimiento total (E.A.)<\/label>\n        <div class=\"radio-group\">\n          <label class=\"radio-option\">\n            <input type=\"radio\" name=\"escenario\" value=\"5\" checked>\n            <div class=\"radio-tile\">\n              <span class=\"radio-label\">5% E.A.<\/span>\n              <span class=\"radio-badge\">Base sin condiciones<\/span>\n            <\/div>\n          <\/label>\n          <label class=\"radio-option\">\n            <input type=\"radio\" name=\"escenario\" value=\"8.25\">\n            <div class=\"radio-tile\">\n              <span class=\"radio-label\">8,25% E.A.<\/span>\n              <span class=\"radio-badge\">1 compra\/mes (tarjeta)<\/span>\n            <\/div>\n          <\/label>\n          <label class=\"radio-option\">\n            <input type=\"radio\" name=\"escenario\" value=\"10.5\">\n            <div class=\"radio-tile\">\n              <span class=\"radio-label\">10,5% E.A.<\/span>\n              <span class=\"radio-badge\">$400.000 en compras\/mes<\/span>\n            <\/div>\n          <\/label>\n        <\/div>\n        <p class=\"text-xs text-muted mt-3\">Nota: las tasas condicionadas <b>no son acumulativas<\/b>. El rendimiento adicional se refleja como \u201c<b>ajuste<\/b>\u201d en movimientos.<\/p>\n      <\/div>\n\n      <div id=\"msg\" class=\"hidden\"><\/div>\n\n      <div class=\"btn-group\">\n        <button id=\"btnCalcular\" class=\"calc-btn btn-primary\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"mr-2\">\n            <rect x=\"2\" y=\"2\" width=\"20\" height=\"20\" rx=\"2.18\" ry=\"2.18\"><\/rect>\n            <line x1=\"7\" y1=\"2\" x2=\"7\" y2=\"22\"><\/line>\n            <line x1=\"17\" y1=\"2\" x2=\"17\" y2=\"22\"><\/line>\n            <line x1=\"2\" y1=\"12\" x2=\"22\" y2=\"12\"><\/line>\n            <line x1=\"2\" y1=\"7\" x2=\"7\" y2=\"7\"><\/line>\n            <line x1=\"2\" y1=\"17\" x2=\"7\" y2=\"17\"><\/line>\n            <line x1=\"17\" y1=\"17\" x2=\"22\" y2=\"17\"><\/line>\n            <line x1=\"17\" y1=\"7\" x2=\"22\" y2=\"7\"><\/line>\n          <\/svg>\n          Calcular Rendimientos\n        <\/button>\n        <button id=\"btnLimpiar\" class=\"calc-btn btn-secondary\">Reiniciar<\/button>\n      <\/div>\n    <\/div>\n\n    <div id=\"resumen\" class=\"hidden\">\n      <h2 class=\"text-center\">Resumen de la Simulaci\u00f3n<\/h2>\n      <div class=\"kpi-grid four-cols\">\n        <div class=\"kpi-card\">\n          <span class=\"kpi-label\">Rendimiento Base (5% E.A.)<\/span>\n          <span id=\"r_base_total\" class=\"kpi-value\">$0<\/span>\n        <\/div>\n        <div class=\"kpi-card highlight-green\">\n          <span class=\"kpi-label\">Rendimiento Adicional Abonado<\/span>\n          <span id=\"r_ajustes_abonados\" class=\"kpi-value\">$0<\/span>\n        <\/div>\n        <div class=\"kpi-card highlight-amber\">\n          <span class=\"kpi-label\">Rendimiento Adicional Pendiente<\/span>\n          <span id=\"r_ajustes_pendientes\" class=\"kpi-value\">$0<\/span>\n        <\/div>\n        <div class=\"kpi-card\">\n          <span class=\"kpi-label\">ReteFuente (7% si aplica)<\/span>\n          <span id=\"r_retencion\" class=\"kpi-value text-muted\">$0<\/span>\n        <\/div>\n      <\/div>\n      <div class=\"kpi-card final mb-12 text-center items-center\">\n        <span class=\"kpi-label\">Total Neto Recibido en el Per\u00edodo<\/span>\n        <span id=\"r_neto_total\" class=\"kpi-value\" style=\"font-size: 2.5rem !important;\">$0<\/span>\n        <span id=\"simInfo\" class=\"text-sm opacity-80 mt-2\"><\/span>\n      <\/div>\n\n      <div class=\"calc-card\">\n        <h3>\ud83d\udcc5 Detalle mensual del rendimiento adicional (ajustes)<\/h3>\n        <p class=\"text-sm text-muted mb-4\">Diferencial para alcanzar tu tasa objetivo. Se abona <b>a m\u00e1s tardar<\/b> dentro de los <b>primeros 5 d\u00edas h\u00e1biles<\/b> del mes siguiente.<\/p>\n        <div class=\"table-container\">\n          <table class=\"calc-table\">\n            <thead>\n              <tr>\n                <th>Mes<\/th>\n                <th>Tasa Obj.<\/th>\n                <th>Ajuste Bruto<\/th>\n                <th>ReteFuente<\/th>\n                <th>Ajuste Neto<\/th>\n                <th>Fecha Abono Est.<\/th>\n                <th>Estado<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody id=\"tbodyAjustes\"><\/tbody>\n          <\/table>\n        <\/div>\n      <\/div>\n\n      <div id=\"detalleDiarioSec\" class=\"calc-card\">\n        <h3>\ud83d\udcc8 Detalle diario (Rendimiento base 5% E.A.)<\/h3>\n        <p class=\"text-sm text-muted mb-4\">Rendimiento base calculado sobre el saldo al cierre de cada d\u00eda (hasta el tope remunerado).<\/p>\n        <div class=\"table-container\" style=\"max-height: 400px; overflow-y: auto !important;\">\n          <table class=\"calc-table\">\n            <thead style=\"position: sticky; top: 0; z-index: 10;\">\n              <tr>\n                <th>Fecha<\/th>\n                <th>Saldo Remunerable<\/th>\n                <th>Int. Bruto (5%)<\/th>\n                <th>ReteFuente<\/th>\n                <th>Int. Neto Abonado<\/th>\n                <th>Saldo Final<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody id=\"tbodyDiario\"><\/tbody>\n          <\/table>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"notes-grid\">\n      <div class=\"note-card\">\n        <h3>\ud83d\udccc Reglas del Producto (Feb 2026)<\/h3>\n        <ul class=\"note-list\">\n          <li>Rendimiento base del <b>5% E.A.<\/b> abonado diariamente.<\/li>\n          <li>Rendimiento adicional (hasta <b>8,25%<\/b> o <b>10,5%<\/b> E.A.) calculado y liquidado <b>mensualmente<\/b> como diferencial.<\/li>\n          <li>El abono del rendimiento adicional se hace <b>a m\u00e1s tardar<\/b> dentro de los <b>primeros 5 d\u00edas h\u00e1biles<\/b> del mes siguiente.<\/li>\n          <li>Tope m\u00e1ximo remunerado (seg\u00fan T&amp;Cs): <b id=\"cap-remunerado-text\">$10.500.000 COP<\/b>.<\/li>\n          <li>Dep\u00f3sito de bajo monto: tope de saldo <b id=\"cap-uvt-text\">210,5 UVT<\/b> (valor de referencia calculado para 2026).<\/li>\n          <li>En caso de corresponder, se aplica retenci\u00f3n en la fuente del <b>7%<\/b> sobre los intereses abonados.<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"note-card\">\n        <h3>\u2139\ufe0f Consideraciones del Simulador<\/h3>\n        <ul class=\"note-list\">\n          <li>La fecha de abono del ajuste se estima como el <b>5\u00ba d\u00eda h\u00e1bil<\/b> del mes siguiente (Ual\u00e1 puede abonar antes dentro de ese rango).<\/li>\n          <li>Este simulador no contempla festivos (solo lunes a viernes).<\/li>\n          <li>Las compras con bot\u00f3n <b>PSE<\/b> no cuentan para cumplir la condici\u00f3n de tasa (seg\u00fan T&amp;Cs).<\/li>\n          <li>Las cifras pueden variar por redondeos y reglas internas de liquidaci\u00f3n.<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n  (function() {\n    \/\/ === CONSTANTES (Feb 2026) ===\n    \/\/ Tope m\u00e1ximo remunerado (seg\u00fan T&Cs del Dep\u00f3sito Remunerado)\n    const CAP_REMUNERABLE = 10500000;\n\n    \/\/ Tope de saldo del Dep\u00f3sito de Bajo Monto: 210,5 UVT (referencia 2026)\n    const UVT_2026 = 52374; \/\/ COP (valor DIAN para 2026)\n    const CAP_SALDO_DBM = 210.5 * UVT_2026;\n\n    \/\/ Tasas y retenci\u00f3n\n    const TEA_BASE = 0.05;\n    const RETENCION = 0.07; \/\/ \"en caso de corresponder\"\n    const MIN_ABONO = 0.01; \/\/ COP\n\n    \/\/ === UTILIDADES DE FECHA ===\n    const toYMD = (d) => {\n      const z = (n) => String(n).padStart(2, '0');\n      return `${d.getFullYear()}-${z(d.getMonth() + 1)}-${z(d.getDate())}`;\n    };\n\n    const fromYMD = (s) => {\n      const [y, m, d] = s.split('-').map(Number);\n      return new Date(y, m - 1, d);\n    };\n\n    const addDays = (d, n) => {\n      const x = new Date(d);\n      x.setDate(x.getDate() + n);\n      return x;\n    };\n\n    const isBusinessDay = (d) => {\n      const wd = d.getDay();\n      return wd !== 0 && wd !== 6;\n    };\n\n    const addBusinessDays = (d, n) => {\n      let x = new Date(d),\n        k = 0;\n      while (k < n) {\n        x = addDays(x, 1);\n        if (isBusinessDay(x)) k++;\n      }\n      return x;\n    };\n\n    const endOfMonth = (d) => new Date(d.getFullYear(), d.getMonth() + 1, 0);\n\n    \/\/ === UTILIDADES DE MONEDA ===\n    const fmt = new Intl.NumberFormat('es-CO', {\n      style: 'currency',\n      currency: 'COP',\n      minimumFractionDigits: 2,\n      maximumFractionDigits: 2\n    });\n\n    const round2 = (v) => Math.round(v * 100) \/ 100;\n    const formatCurrency = (v) => fmt.format(round2(v));\n\n    function parseFormattedNumber(str) {\n      if (typeof str !== 'string' || !str.trim()) return NaN;\n      let s = str.replace(\/[^\\d.,]\/g, '');\n      const points = (s.match(\/\\.\/g) || []).length,\n        commas = (s.match(\/,\/g) || []).length;\n\n      if (points === 1 && s.lastIndexOf('.') > s.lastIndexOf(',')) s = s.replace(\/,\/g, '');\n      else if (commas === 1 && s.lastIndexOf(',') > s.lastIndexOf('.')) {\n        s = s.replace(\/\\.\/g, '');\n        s = s.replace(',', '.');\n      } else if (points > 1 && commas === 0) s = s.replace(\/\\.\/g, '');\n      else if (commas > 1 && points === 0) s = s.replace(\/,\/g, '');\n      else if (commas === 1 && points === 0) s = s.replace(',', '.');\n\n      return parseFloat(s);\n    }\n\n    \/\/ Conversi\u00f3n m\u00e1s correcta de TEA (E.A.) a tasa diaria efectiva\n    const dailyRateFromTEA = (tea) => Math.pow(1 + tea, 1 \/ 365) - 1;\n\n    \/\/ === ELEMENTOS DEL DOM ===\n    const $ = (sel) => document.querySelector('#uala-calc-wrapper ' + sel);\n\n    const saldoEl = $('#saldo'),\n      diasEl = $('#dias'),\n      inicioEl = $('#inicio'),\n      msgEl = $('#msg');\n\n    const tbodyDiario = $('#tbodyDiario'),\n      tbodyAjustes = $('#tbodyAjustes');\n\n    const resumenSec = $('#resumen'),\n      rBaseTotal = $('#r_base_total'),\n      rAjustesAbonados = $('#r_ajustes_abonados'),\n      rAjustesPend = $('#r_ajustes_pendientes'),\n      rRetencion = $('#r_retencion'),\n      rNeto = $('#r_neto_total'),\n      simInfo = $('#simInfo');\n\n    \/\/ === OBTENER ESTADO ===\n    function getEscenarioTEA() {\n      return parseFloat(document.querySelector('#uala-calc-wrapper input[name=\"escenario\"]:checked').value) \/ 100;\n    }\n\n    \/\/ === INICIALIZACI\u00d3N ===\n    (function init() {\n      inicioEl.value = toYMD(new Date());\n\n      \/\/ Pintar textos din\u00e1micos de referencia\n      const capUvtText = document.getElementById('cap-uvt-text');\n      const capRemText = document.getElementById('cap-remunerado-text');\n      if (capUvtText) capUvtText.textContent = `210,5 UVT (\u2248 ${formatCurrency(CAP_SALDO_DBM)} en 2026)`;\n      if (capRemText) capRemText.textContent = `${formatCurrency(CAP_REMUNERABLE)} COP`;\n\n      \/\/ Formateador de input de saldo (mantiene tu est\u00e9tica original)\n      saldoEl.addEventListener('input', (e) => {\n        let s = e.target.value.replace(\/,\/g, '').replace(\/[^\\d.]\/g, '');\n        let parts = s.split('.');\n        parts[0] = parts[0].replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, ',');\n        e.target.value = parts[1] !== undefined ? `${parts[0]}.${parts[1].substring(0, 2)}` : parts[0];\n\n        const num = parseFormattedNumber(e.target.value);\n        const tip = [];\n        if (!isNaN(num)) {\n          if (num > CAP_REMUNERABLE) tip.push(`\u26a0\ufe0f Solo los primeros ${formatCurrency(CAP_REMUNERABLE)} generan rendimientos.`);\n          if (num > CAP_SALDO_DBM) tip.push(`\u26a0\ufe0f El Dep\u00f3sito de Bajo Monto tiene tope de saldo aprox. ${formatCurrency(CAP_SALDO_DBM)} (210,5 UVT en 2026).`);\n        }\n        $('#saldo-tip').innerHTML = tip.join('<br>');\n      });\n\n      \/\/ Listeners de botones\n      $('#btnCalcular').addEventListener('click', simular);\n      $('#btnLimpiar').addEventListener('click', limpiar);\n    })();\n\n    \/\/ === L\u00d3GICA DE SIMULACI\u00d3N ===\n    function simular() {\n      hideMsg();\n\n      const saldoInicial = parseFormattedNumber(saldoEl.value);\n      const dias = parseInt(diasEl.value, 10);\n      const fechaInicio = fromYMD(inicioEl.value);\n\n      \/\/ Validaci\u00f3n de entradas\n      if (isNaN(saldoInicial) || saldoInicial <= 0) return showMsg('Por favor ingresa un saldo inicial v\u00e1lido.', true);\n      if (isNaN(dias) || dias <= 0 || dias > 1095) return showMsg('El n\u00famero de d\u00edas debe estar entre 1 y 1095.', true);\n      if (Number.isNaN(fechaInicio.getTime())) return showMsg('Por favor selecciona una fecha de inicio v\u00e1lida.', true);\n\n      const TEA_TARGET = getEscenarioTEA();\n      const dRateBase = dailyRateFromTEA(TEA_BASE);\n      const dRateTarget = dailyRateFromTEA(TEA_TARGET);\n\n      let saldo = saldoInicial;\n      let retAcum = 0;\n      let baseNetoAcum = 0;\n\n      const rows = [];\n      const ajustesRows = [];\n      const creditosProgramados = {}; \/\/ { 'YYYY-MM-DD': montoNeto }\n\n      let mesActual = toYMD(fechaInicio).substring(0, 7);\n      let sumaBaseMesBruta = 0;\n      let sumaTargetMesBruta = 0;\n\n      const fechaFin = addDays(fechaInicio, dias - 1);\n\n      \/\/ Loop diario principal\n      for (let i = 0, d = new Date(fechaInicio); i < dias; i++, d = addDays(d, 1)) {\n        const ymd = toYMD(d);\n\n        \/\/ 0) Aplicar cr\u00e9ditos mensuales (si caen hoy) ANTES de calcular el inter\u00e9s del d\u00eda\n        if (creditosProgramados[ymd]) {\n          saldo = round2(saldo + creditosProgramados[ymd]);\n        }\n\n        const remunerable = Math.min(saldo, CAP_REMUNERABLE);\n\n        \/\/ 1) C\u00e1lculo base diario (5% E.A.)\n        const baseBruto = round2(remunerable * dRateBase);\n        const baseRet = round2(baseBruto * RETENCION);\n        const baseNeto = round2(baseBruto - baseRet);\n\n        let abonadoHoy = 0;\n        if (baseNeto >= MIN_ABONO) {\n          abonadoHoy = baseNeto;\n          saldo = round2(saldo + abonadoHoy);\n          baseNetoAcum = round2(baseNetoAcum + abonadoHoy);\n          retAcum = round2(retAcum + baseRet);\n        }\n\n        \/\/ 2) Acumuladores brutos del mes (para el diferencial)\n        sumaBaseMesBruta = round2(sumaBaseMesBruta + baseBruto);\n        const targetBrutoHoy = round2(remunerable * dRateTarget);\n        sumaTargetMesBruta = round2(sumaTargetMesBruta + targetBrutoHoy);\n\n        \/\/ 3) Cierre de mes: calcular rendimiento adicional (solo cuando realmente termina el mes)\n        const nextDay = addDays(d, 1);\n        const nextMonthKey = toYMD(nextDay).substring(0, 7);\n\n        if (nextMonthKey !== mesActual) {\n          const adBruto = round2(Math.max(0, sumaTargetMesBruta - sumaBaseMesBruta));\n\n          if (adBruto >= MIN_ABONO) {\n            const adRet = round2(adBruto * RETENCION);\n            const adNeto = round2(adBruto - adRet);\n\n            \/\/ Ual\u00e1: abona el adicional a m\u00e1s tardar dentro de los 5 d\u00edas h\u00e1biles del mes siguiente\n            const fAbono = addBusinessDays(endOfMonth(d), 5); \/\/ estimaci\u00f3n: 5\u00ba d\u00eda h\u00e1bil (m\u00e1ximo)\n            const ymdAbono = toYMD(fAbono);\n            const estado = fAbono <= fechaFin ? 'Abonado' : 'Pendiente';\n\n            ajustesRows.push({\n              mes: mesActual,\n              tasa: `${(TEA_TARGET * 100).toFixed(2)}%`,\n              bruto: adBruto,\n              ret: adRet,\n              neto: adNeto,\n              fecha: ymdAbono,\n              estado\n            });\n\n            \/\/ Si el abono cae dentro del per\u00edodo simulado, lo programamos\n            if (estado === 'Abonado' && adNeto >= MIN_ABONO) {\n              creditosProgramados[ymdAbono] = round2((creditosProgramados[ymdAbono] || 0) + adNeto);\n              retAcum = round2(retAcum + adRet);\n            }\n          } else {\n            \/\/ Aun si adBruto es 0, opcionalmente podr\u00edas mostrar fila 0. Mantengo limpio.\n          }\n\n          \/\/ Reset mes\n          mesActual = nextMonthKey;\n          sumaBaseMesBruta = 0;\n          sumaTargetMesBruta = 0;\n        }\n\n        rows.push({\n          fecha: ymd,\n          remunerable,\n          baseBruto,\n          baseRet,\n          abonado: abonadoHoy,\n          saldo\n        });\n      }\n\n      \/\/ --- RENDERIZADO ---\n      tbodyDiario.innerHTML = rows.map(r => `\n        <tr>\n          <td>${r.fecha}<\/td>\n          <td>${formatCurrency(r.remunerable)}<\/td>\n          <td>${formatCurrency(r.baseBruto)}<\/td>\n          <td class=\"text-muted\">${formatCurrency(r.baseRet)}<\/td>\n          <td class=\"${r.abonado > 0 ? 'text-green' : 'text-muted'}\">${formatCurrency(r.abonado)}<\/td>\n          <td class=\"font-bold\">${formatCurrency(r.saldo)}<\/td>\n        <\/tr>\n      `).join('');\n\n      tbodyAjustes.innerHTML = ajustesRows.length\n        ? ajustesRows.map(a => `\n          <tr>\n            <td>${a.mes}<\/td>\n            <td>${a.tasa}<\/td>\n            <td>${formatCurrency(a.bruto)}<\/td>\n            <td>${formatCurrency(a.ret)}<\/td>\n            <td class=\"font-bold\">${formatCurrency(a.neto)}<\/td>\n            <td>${a.fecha}<\/td>\n            <td><span class=\"${a.estado === 'Abonado' ? 'text-green' : 'text-amber'}\">${a.estado === 'Abonado' ? '\u2714 Abonado' : '\u23f3 Pendiente'}<\/span><\/td>\n          <\/tr>\n        `).join('')\n        : '<tr><td colspan=\"7\" class=\"text-center text-muted p-4\">No hay rendimiento adicional liquidado dentro de este per\u00edodo (recuerda: se liquida por meses completos).<\/td><\/tr>';\n\n      const abonados = ajustesRows.filter(x => x.estado === 'Abonado').reduce((s, x) => s + x.neto, 0);\n      const pendientes = ajustesRows.filter(x => x.estado === 'Pendiente').reduce((s, x) => s + x.neto, 0);\n\n      rBaseTotal.textContent = formatCurrency(baseNetoAcum);\n      rAjustesAbonados.textContent = formatCurrency(abonados);\n      rAjustesPend.textContent = formatCurrency(pendientes);\n      rRetencion.textContent = formatCurrency(retAcum);\n      rNeto.textContent = formatCurrency(round2(baseNetoAcum + abonados));\n\n      simInfo.innerHTML = `<span class=\"siminfo-label\">Per\u00edodo simulado:<\/span><span class=\"siminfo-dates\">${rows[0].fecha} al ${rows[rows.length - 1].fecha}<\/span>`;\n\n      resumenSec.classList.remove('hidden');\n      resumenSec.scrollIntoView({ behavior: 'smooth', block: 'start' });\n    }\n\n    \/\/ --- FUNCIONES AUXILIARES ---\n    function showMsg(text, isError) {\n      msgEl.textContent = text;\n      msgEl.classList.remove('hidden');\n      msgEl.classList.toggle('error', !!isError);\n    }\n\n    function hideMsg() {\n      msgEl.classList.add('hidden');\n      msgEl.classList.remove('error');\n      msgEl.textContent = '';\n    }\n\n    function limpiar() {\n      saldoEl.value = '';\n      diasEl.value = 60;\n      inicioEl.value = toYMD(new Date());\n      $('#saldo-tip').innerHTML = '';\n\n      tbodyDiario.innerHTML = '';\n      tbodyAjustes.innerHTML = '';\n\n      rBaseTotal.textContent = '$0';\n      rAjustesAbonados.textContent = '$0';\n      rAjustesPend.textContent = '$0';\n      rRetencion.textContent = '$0';\n      rNeto.textContent = '$0';\n      simInfo.textContent = '';\n\n      resumenSec.classList.add('hidden');\n      hideMsg();\n\n      document.querySelector('#uala-calc-wrapper input[name=\"escenario\"][value=\"5\"]').checked = true;\n    }\n  })();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56a3996 e-flex e-con-boxed e-con e-parent\" data-id=\"56a3996\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1adf9e1 elementor-widget elementor-widget-html\" data-id=\"1adf9e1\" 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 <div class=\"financial-note\">\r\n        <div class=\"financial-note-icon\">\r\n            <span>&#9888;&#65039;<\/span> <!-- Emoji de advertencia -->\r\n        <\/div>\r\n        <div class=\"financial-note-content\">\r\n            Actualizacion para  <span id=\"dynamic-date\">[Mes y A\u00f1o]<\/span>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <script>\r\n        \/\/ Este script se encarga de actualizar el mes y el a\u00f1o autom\u00e1ticamente.\r\n        document.addEventListener('DOMContentLoaded', function() {\r\n            \/\/ Obtenemos el elemento donde se mostrar\u00e1 la fecha\r\n            const dateElement = document.getElementById('dynamic-date');\r\n\r\n            \/\/ Creamos un objeto de fecha\r\n            const now = new Date();\r\n\r\n            \/\/ Lista de nombres de los meses en espa\u00f1ol\r\n            const monthNames = [\r\n                \"enero\", \"febrero\", \"marzo\", \"abril\", \"mayo\", \"junio\",\r\n                \"julio\", \"agosto\", \"septiembre\", \"octubre\", \"noviembre\", \"diciembre\"\r\n            ];\r\n\r\n            \/\/ Obtenemos el nombre del mes actual y el a\u00f1o\r\n            const month = monthNames[now.getMonth()];\r\n            const year = now.getFullYear();\r\n\r\n            \/\/ Formateamos el texto y lo insertamos en el HTML\r\n            \/\/ La 'primera letra en may\u00fascula' se maneja con CSS si se desea,\r\n            \/\/ pero aqu\u00ed lo hacemos con JS para mayor control.\r\n            const formattedMonth = month.charAt(0).toUpperCase() + month.slice(1);\r\n            dateElement.textContent = `${formattedMonth} de ${year}`;\r\n        });\r\n    <\/script>\r\n    \r\n     <style>\r\n        \/* Estilos para el contenedor del aviso *\/\r\n        .financial-note {\r\n            font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif, \"Apple Color Emoji\", \"Segoe UI Emoji\", \"Segoe UI Symbol\";\r\n            background-color: #fffbe6; \/* Un fondo amarillo p\u00e1lido para llamar la atenci\u00f3n *\/\r\n            color: #5c4800; \/* Color de texto oscuro para legibilidad *\/\r\n            border-left: 5px solid #ffc107; \/* Borde izquierdo de acento de color \u00e1mbar *\/\r\n            padding: 1.5rem; \/* Espaciado interno generoso *\/\r\n            margin: 2rem auto; \/* Centrado y con espacio exterior *\/\r\n            border-radius: 8px; \/* Bordes redondeados *\/\r\n            max-width: 800px; \/* Ancho m\u00e1ximo para mantener la legibilidad *\/\r\n            box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1); \/* Sombra sutil para darle profundidad *\/\r\n            display: flex; \/* Usamos flexbox para alinear el \u00edcono y el texto *\/\r\n            align-items: center; \/* Alineaci\u00f3n vertical *\/\r\n            gap: 1.25rem; \/* Espacio entre el \u00edcono y el texto *\/\r\n        }\r\n\r\n        \/* Estilos para el \u00edcono de advertencia *\/\r\n        .financial-note-icon {\r\n            font-size: 1.8rem;\r\n            flex-shrink: 0; \/* Evita que el \u00edcono se encoja *\/\r\n        }\r\n\r\n        \/* Estilos para el contenido de texto *\/\r\n        .financial-note-content {\r\n            font-size: 1.1rem; \/* Tama\u00f1o de fuente ligeramente m\u00e1s grande *\/\r\n            line-height: 1.6; \/* Altura de l\u00ednea para mejor lectura *\/\r\n        }\r\n\r\n        \/* Estilo para la parte din\u00e1mica del mes y el a\u00f1o *\/\r\n        .financial-note-content #dynamic-date {\r\n            font-weight: 600; \/* Hacemos la fecha un poco m\u00e1s audaz *\/\r\n        }\r\n\r\n         \/* Estilo para el valor de la tasa *\/\r\n        .rate-value {\r\n            font-weight: 700; \/* Hacemos el valor de la tasa m\u00e1s audaz *\/\r\n            color: #c0392b; \/* Un color rojo sutil para el valor *\/\r\n        }\r\n    <\/style>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74c8a32 e-flex e-con-boxed e-con e-parent\" data-id=\"74c8a32\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa873c4 elementor-widget elementor-widget-text-editor\" data-id=\"aa873c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"0\" data-end=\"47\"><span style=\"color: #000000;\">\u00bfQu\u00e9 es la Calculadora de Rendimientos Ual\u00e1?<\/span><\/h2><p data-start=\"49\" data-end=\"331\"><span style=\"color: #000000;\">La <strong data-start=\"52\" data-end=\"97\">Calculadora de Rendimientos Ual\u00e1 Colombia<\/strong> es un simulador interactivo para estimar cu\u00e1nto podr\u00edas ganar con tu saldo en Ual\u00e1, teniendo en cuenta c\u00f3mo funciona el producto en <strong data-start=\"230\" data-end=\"249\">febrero de 2026<\/strong>: un <strong data-start=\"254\" data-end=\"274\">rendimiento base<\/strong> y, si cumples condiciones, un <strong data-start=\"305\" data-end=\"330\">rendimiento adicional<\/strong>.<\/span><\/p><p data-start=\"333\" data-end=\"365\"><span style=\"color: #000000;\">Con esta calculadora puedes ver:<\/span><\/p><ul data-start=\"367\" data-end=\"673\"><li data-start=\"367\" data-end=\"442\"><p data-start=\"369\" data-end=\"442\"><span style=\"color: #000000;\"><strong data-start=\"369\" data-end=\"406\">Intereses base abonados d\u00eda a d\u00eda<\/strong> (sobre el saldo al cierre del d\u00eda).<\/span><\/p><\/li><li data-start=\"443\" data-end=\"522\"><p data-start=\"445\" data-end=\"522\"><span style=\"color: #000000;\">El <strong data-start=\"448\" data-end=\"466\">ajuste mensual<\/strong> (rendimiento adicional) para alcanzar la tasa objetivo.<\/span><\/p><\/li><li data-start=\"523\" data-end=\"593\"><p data-start=\"525\" data-end=\"593\"><span style=\"color: #000000;\"><strong data-start=\"525\" data-end=\"551\">Retenci\u00f3n en la fuente<\/strong> (si aplica) y el <strong data-start=\"569\" data-end=\"583\">total neto<\/strong> recibido.<\/span><\/p><\/li><li data-start=\"594\" data-end=\"673\"><p data-start=\"596\" data-end=\"673\"><span style=\"color: #000000;\">Un <strong data-start=\"599\" data-end=\"617\">detalle diario<\/strong> y un <strong data-start=\"623\" data-end=\"642\">detalle mensual<\/strong> con fechas estimadas de abono.<\/span><\/p><\/li><\/ul><hr data-start=\"675\" data-end=\"678\" \/><h2 data-start=\"680\" data-end=\"732\"><span style=\"color: #000000;\">Tasas de rendimiento Ual\u00e1 Colombia (Febrero 2026)<\/span><\/h2><p data-start=\"734\" data-end=\"834\"><span style=\"color: #000000;\">En 2026, el esquema de rendimientos se entiende mejor como <strong data-start=\"793\" data-end=\"833\">tres escenarios de tasa total (E.A.)<\/strong>:<\/span><\/p><ul data-start=\"836\" data-end=\"1130\"><li data-start=\"836\" data-end=\"876\"><p data-start=\"838\" data-end=\"876\"><span style=\"color: #000000;\"><strong data-start=\"838\" data-end=\"856\">5% E.A. (Base)<\/strong>: sin condiciones.<\/span><\/p><\/li><li data-start=\"877\" data-end=\"1004\"><p data-start=\"879\" data-end=\"1004\"><span style=\"color: #000000;\"><strong data-start=\"879\" data-end=\"908\">8,25% E.A. (Condicionada)<\/strong>: si realizas <strong data-start=\"922\" data-end=\"950\">al menos 1 compra al mes<\/strong> con la <strong data-start=\"958\" data-end=\"981\">tarjeta d\u00e9bito Ual\u00e1<\/strong> (f\u00edsica o en l\u00ednea).<\/span><\/p><\/li><li data-start=\"1005\" data-end=\"1130\"><p data-start=\"1007\" data-end=\"1130\"><span style=\"color: #000000;\"><strong data-start=\"1007\" data-end=\"1036\">10,5% E.A. (Condicionada)<\/strong>: si realizas <strong data-start=\"1050\" data-end=\"1083\">$400.000 COP o m\u00e1s en compras<\/strong> durante el mes con la <strong data-start=\"1106\" data-end=\"1129\">tarjeta d\u00e9bito Ual\u00e1<\/strong>.<\/span><\/p><\/li><\/ul><blockquote data-start=\"1132\" data-end=\"1249\"><p data-start=\"1134\" data-end=\"1249\"><span style=\"color: #000000;\">Importante: las tasas condicionadas <strong data-start=\"1170\" data-end=\"1187\">no se \u201csuman\u201d<\/strong> entre s\u00ed. Solo aplica <strong data-start=\"1210\" data-end=\"1217\">una<\/strong> seg\u00fan el requisito que cumplas.<\/span><\/p><\/blockquote><hr data-start=\"1251\" data-end=\"1254\" \/><h2 data-start=\"1256\" data-end=\"1313\"><span style=\"color: #000000;\">\u00bfC\u00f3mo se pagan los rendimientos? (Lo que m\u00e1s confunde)<\/span><\/h2><p data-start=\"1315\" data-end=\"1378\"><span style=\"color: #000000;\">Este punto es clave y por eso la calculadora est\u00e1 dise\u00f1ada as\u00ed:<\/span><\/p><h3 data-start=\"1380\" data-end=\"1426\"><span style=\"color: #000000;\">1) Rendimiento base (5% E.A.) \u2192 <strong data-start=\"1416\" data-end=\"1426\">diario<\/strong><\/span><\/h3><ul data-start=\"1427\" data-end=\"1556\"><li data-start=\"1427\" data-end=\"1481\"><p data-start=\"1429\" data-end=\"1481\"><span style=\"color: #000000;\">Se calcula sobre el <strong data-start=\"1449\" data-end=\"1480\">saldo al cierre de cada d\u00eda<\/strong>.<\/span><\/p><\/li><li data-start=\"1482\" data-end=\"1556\"><p data-start=\"1484\" data-end=\"1556\"><span style=\"color: #000000;\">Se <strong data-start=\"1487\" data-end=\"1508\">abona diariamente<\/strong> (si el inter\u00e9s neto del d\u00eda alcanza el m\u00ednimo).<\/span><\/p><\/li><\/ul><h3 data-start=\"1558\" data-end=\"1630\"><span style=\"color: #000000;\">2) Rendimiento adicional (para llegar a 8,25% o 10,5%) \u2192 <strong data-start=\"1619\" data-end=\"1630\">mensual<\/strong><\/span><\/h3><ul data-start=\"1631\" data-end=\"1886\"><li data-start=\"1631\" data-end=\"1659\"><p data-start=\"1633\" data-end=\"1659\"><span style=\"color: #000000;\">No se abona \u201cd\u00eda a d\u00eda\u201d.<\/span><\/p><\/li><li data-start=\"1660\" data-end=\"1801\"><p data-start=\"1662\" data-end=\"1707\"><span style=\"color: #000000;\">Se liquida como un <strong data-start=\"1681\" data-end=\"1704\">diferencial mensual<\/strong>:<\/span><\/p><blockquote data-start=\"1710\" data-end=\"1801\"><p data-start=\"1712\" data-end=\"1801\"><span style=\"color: #000000;\">\u201cLo que falt\u00f3\u201d para que tu mes completo llegue a 8,25% o 10,5% E.A. (seg\u00fan el escenario).<\/span><\/p><\/blockquote><\/li><li data-start=\"1802\" data-end=\"1886\"><p data-start=\"1804\" data-end=\"1886\"><span style=\"color: #000000;\">Se abona <strong data-start=\"1813\" data-end=\"1885\">a m\u00e1s tardar dentro de los primeros 5 d\u00edas h\u00e1biles del mes siguiente<\/strong>.<\/span><\/p><\/li><\/ul><p data-start=\"1888\" data-end=\"2046\"><span style=\"color: #000000;\">Por eso, si simulas pocos d\u00edas (por ejemplo 30) y tu periodo no alcanza a cerrar el mes + la ventana de abono, ver\u00e1s parte del adicional como <strong data-start=\"2030\" data-end=\"2045\">\u201cPendiente\u201d<\/strong>.<\/span><\/p><hr data-start=\"2048\" data-end=\"2051\" \/><h2 data-start=\"2053\" data-end=\"2103\"><span style=\"color: #000000;\">\u00bfC\u00f3mo usar la Calculadora de Rendimientos Ual\u00e1?<\/span><\/h2><ol data-start=\"2105\" data-end=\"2666\"><li data-start=\"2105\" data-end=\"2194\"><p data-start=\"2108\" data-end=\"2194\"><span style=\"color: #000000;\"><strong data-start=\"2108\" data-end=\"2142\">Ingresa tu saldo inicial (COP)<\/strong><\/span><br data-start=\"2142\" data-end=\"2145\" \/><span style=\"color: #000000;\">Es el valor con el que arrancas la simulaci\u00f3n.<\/span><\/p><\/li><li data-start=\"2196\" data-end=\"2285\"><p data-start=\"2199\" data-end=\"2285\"><span style=\"color: #000000;\"><strong data-start=\"2199\" data-end=\"2227\">Elige los d\u00edas a simular<\/strong><\/span><br data-start=\"2227\" data-end=\"2230\" \/><span style=\"color: #000000;\">Puedes simular desde 1 d\u00eda hasta 1095 d\u00edas (3 a\u00f1os).<\/span><\/p><\/li><li data-start=\"2287\" data-end=\"2404\"><p data-start=\"2290\" data-end=\"2404\"><span style=\"color: #000000;\"><strong data-start=\"2290\" data-end=\"2323\">Selecciona la fecha de inicio<\/strong><\/span><br data-start=\"2323\" data-end=\"2326\" \/><span style=\"color: #000000;\">As\u00ed el simulador calcula el periodo exacto y el posible mes de liquidaci\u00f3n.<\/span><\/p><\/li><li data-start=\"2406\" data-end=\"2581\"><p data-start=\"2409\" data-end=\"2448\"><span style=\"color: #000000;\"><strong data-start=\"2409\" data-end=\"2446\">Escoge el escenario de tasa total<\/strong><\/span><\/p><ul data-start=\"2452\" data-end=\"2581\"><li data-start=\"2452\" data-end=\"2474\"><p data-start=\"2454\" data-end=\"2474\"><span style=\"color: #000000;\"><strong data-start=\"2454\" data-end=\"2465\">5% E.A.<\/strong> (base)<\/span><\/p><\/li><li data-start=\"2478\" data-end=\"2523\"><p data-start=\"2480\" data-end=\"2523\"><span style=\"color: #000000;\"><strong data-start=\"2480\" data-end=\"2494\">8,25% E.A.<\/strong> (1 compra\/mes con tarjeta)<\/span><\/p><\/li><li data-start=\"2527\" data-end=\"2581\"><p data-start=\"2529\" data-end=\"2581\"><span style=\"color: #000000;\"><strong data-start=\"2529\" data-end=\"2543\">10,5% E.A.<\/strong> ($400.000 en compras\/mes con tarjeta)<\/span><\/p><\/li><\/ul><\/li><li data-start=\"2583\" data-end=\"2666\"><p data-start=\"2586\" data-end=\"2666\"><span style=\"color: #000000;\">Clic en <strong data-start=\"2594\" data-end=\"2621\">\u201cCalcular Rendimientos\u201d<\/strong><\/span><br data-start=\"2621\" data-end=\"2624\" \/><span style=\"color: #000000;\">Y listo: ver\u00e1s el resumen y el detalle.<\/span><\/p><\/li><\/ol><hr data-start=\"2668\" data-end=\"2671\" \/><h2 data-start=\"2673\" data-end=\"2727\"><span style=\"color: #000000;\">\u00bfQu\u00e9 resultados te muestra (y c\u00f3mo interpretarlos)?<\/span><\/h2><ul data-start=\"2729\" data-end=\"3221\"><li data-start=\"2729\" data-end=\"2819\"><p data-start=\"2731\" data-end=\"2819\"><span style=\"color: #000000;\"><strong data-start=\"2731\" data-end=\"2761\">Rendimiento Base (5% E.A.)<\/strong>: lo que se te abona diariamente en el periodo simulado.<\/span><\/p><\/li><li data-start=\"2820\" data-end=\"2927\"><p data-start=\"2822\" data-end=\"2927\"><span style=\"color: #000000;\"><strong data-start=\"2822\" data-end=\"2855\">Rendimiento adicional abonado<\/strong>: ajustes que <strong data-start=\"2869\" data-end=\"2886\">s\u00ed alcanzaron<\/strong> a caer dentro de tus fechas simuladas.<\/span><\/p><\/li><li data-start=\"2928\" data-end=\"3060\"><p data-start=\"2930\" data-end=\"3060\"><span style=\"color: #000000;\"><strong data-start=\"2930\" data-end=\"2965\">Rendimiento adicional pendiente<\/strong>: ajustes calculados, pero cuya fecha estimada de abono cae <strong data-start=\"3025\" data-end=\"3036\">despu\u00e9s<\/strong> del periodo simulado.<\/span><\/p><\/li><li data-start=\"3061\" data-end=\"3141\"><p data-start=\"3063\" data-end=\"3141\"><span style=\"color: #000000;\"><strong data-start=\"3063\" data-end=\"3081\">Retenci\u00f3n (7%)<\/strong>: se descuenta <strong data-start=\"3096\" data-end=\"3109\">si aplica<\/strong> sobre los intereses abonados.<\/span><\/p><\/li><li data-start=\"3142\" data-end=\"3221\"><p data-start=\"3144\" data-end=\"3221\"><span style=\"color: #000000;\"><strong data-start=\"3144\" data-end=\"3167\">Total neto recibido<\/strong>: suma del inter\u00e9s base neto + ajustes netos abonados.<\/span><\/p><\/li><\/ul><hr data-start=\"3223\" data-end=\"3226\" \/><h2 data-start=\"3228\" data-end=\"3265\"><span style=\"color: #000000;\">Ejemplo pr\u00e1ctico (realista y \u00fatil)<\/span><\/h2><p data-start=\"3267\" data-end=\"3364\"><span style=\"color: #000000;\">Si depositas <strong data-start=\"3280\" data-end=\"3298\">$5.000.000 COP<\/strong> y eliges el escenario <strong data-start=\"3321\" data-end=\"3335\">10,5% E.A.<\/strong>, la calculadora te mostrar\u00e1:<\/span><\/p><ul data-start=\"3366\" data-end=\"3604\"><li data-start=\"3366\" data-end=\"3436\"><p data-start=\"3368\" data-end=\"3436\"><span style=\"color: #000000;\">Un <strong data-start=\"3371\" data-end=\"3394\">inter\u00e9s base diario<\/strong> (5% E.A.) que aumenta tu saldo d\u00eda a d\u00eda.<\/span><\/p><\/li><li data-start=\"3437\" data-end=\"3604\"><p data-start=\"3439\" data-end=\"3604\"><span style=\"color: #000000;\">Un <strong data-start=\"3442\" data-end=\"3460\">ajuste mensual<\/strong> (si cierras el mes cumpliendo la condici\u00f3n) que aparece con una <strong data-start=\"3525\" data-end=\"3543\">fecha estimada<\/strong> dentro de los <strong data-start=\"3558\" data-end=\"3603\">primeros 5 d\u00edas h\u00e1biles del siguiente mes<\/strong>.<\/span><\/p><\/li><\/ul><p data-start=\"3606\" data-end=\"3693\"><span style=\"color: #000000;\">\ud83d\udccc Tip: para \u201cver\u201d el ajuste reflejado como <strong data-start=\"3650\" data-end=\"3661\">Abonado<\/strong>, simula un periodo que incluya:<\/span><\/p><ul data-start=\"3694\" data-end=\"3770\"><li data-start=\"3694\" data-end=\"3719\"><p data-start=\"3696\" data-end=\"3719\"><span style=\"color: #000000;\"><strong data-start=\"3696\" data-end=\"3714\">cierre del mes<\/strong>, y<\/span><\/p><\/li><li data-start=\"3720\" data-end=\"3770\"><p data-start=\"3722\" data-end=\"3770\"><span style=\"color: #000000;\"><strong data-start=\"3722\" data-end=\"3769\">los primeros d\u00edas h\u00e1biles del mes siguiente<\/strong>.<\/span><\/p><\/li><\/ul><hr data-start=\"3772\" data-end=\"3775\" \/><h2 data-start=\"3777\" data-end=\"3840\"><span style=\"color: #000000;\">Consideraciones importantes (para que el c\u00e1lculo sea l\u00f3gico)<\/span><\/h2><ul data-start=\"3842\" data-end=\"4729\"><li data-start=\"3842\" data-end=\"4007\"><p data-start=\"3844\" data-end=\"4007\"><span style=\"color: #000000;\"><strong data-start=\"3844\" data-end=\"3872\">Tope de saldo remunerado<\/strong>: la simulaci\u00f3n asume que Ual\u00e1 remunera hasta <strong data-start=\"3918\" data-end=\"3937\">$10.500.000 COP<\/strong>. Si tu saldo supera ese valor, el excedente no genera rendimientos.<\/span><\/p><\/li><li data-start=\"4008\" data-end=\"4124\"><p data-start=\"4010\" data-end=\"4124\"><span style=\"color: #000000;\"><strong data-start=\"4010\" data-end=\"4042\">Dep\u00f3sito de bajo monto (DBM)<\/strong>: existe un <strong data-start=\"4054\" data-end=\"4078\">tope de saldo en UVT<\/strong> (referencia informativa en la calculadora).<\/span><\/p><\/li><li data-start=\"4125\" data-end=\"4278\"><p data-start=\"4127\" data-end=\"4278\"><span style=\"color: #000000;\"><strong data-start=\"4127\" data-end=\"4158\">Retenci\u00f3n en la fuente (7%)<\/strong>: se aplica <strong data-start=\"4170\" data-end=\"4188\">si corresponde<\/strong>, seg\u00fan reglas tributarias (por eso la calculadora lo incluye como descuento potencial).<\/span><\/p><\/li><li data-start=\"4279\" data-end=\"4387\"><p data-start=\"4281\" data-end=\"4387\"><span style=\"color: #000000;\"><strong data-start=\"4281\" data-end=\"4300\">M\u00ednimo de abono<\/strong>: los intereses netos se abonan si el rendimiento neto del d\u00eda es al menos <strong data-start=\"4375\" data-end=\"4384\">$0,01<\/strong>.<\/span><\/p><\/li><li data-start=\"4388\" data-end=\"4506\"><p data-start=\"4390\" data-end=\"4506\"><span style=\"color: #000000;\"><strong data-start=\"4390\" data-end=\"4406\">D\u00edas h\u00e1biles<\/strong>: para estimar abonos mensuales, el simulador considera <strong data-start=\"4462\" data-end=\"4481\">lunes a viernes<\/strong> (no incluye festivos).<\/span><\/p><\/li><li data-start=\"4507\" data-end=\"4729\"><p data-start=\"4509\" data-end=\"4729\"><span style=\"color: #000000;\"><strong data-start=\"4509\" data-end=\"4551\">Compras v\u00e1lidas para cumplir condici\u00f3n<\/strong>: la condici\u00f3n se asocia a compras con <strong data-start=\"4590\" data-end=\"4613\">tarjeta d\u00e9bito Ual\u00e1<\/strong>; ten presente que ciertos medios como <strong data-start=\"4652\" data-end=\"4665\">Bot\u00f3n PSE<\/strong> no cuentan como \u201ccompra con tarjeta\u201d para cumplir el requisito.<\/span><\/p><\/li><\/ul><hr data-start=\"4731\" data-end=\"4734\" \/><h2 data-start=\"4736\" data-end=\"4796\"><span style=\"color: #000000;\">Beneficios adicionales de Ual\u00e1 (m\u00e1s all\u00e1 del rendimiento)<\/span><\/h2><ul data-start=\"4798\" data-end=\"5264\"><li data-start=\"4798\" data-end=\"4850\"><p data-start=\"4800\" data-end=\"4850\"><span style=\"color: #000000;\"><strong data-start=\"4800\" data-end=\"4825\">Apertura 100% digital<\/strong> y manejo desde la app.<\/span><\/p><\/li><li data-start=\"4851\" data-end=\"4927\"><p data-start=\"4853\" data-end=\"4927\"><span style=\"color: #000000;\"><strong data-start=\"4853\" data-end=\"4882\">Tarjeta d\u00e9bito Mastercard<\/strong> para compras nacionales e internacionales.<\/span><\/p><\/li><li data-start=\"4928\" data-end=\"4997\"><p data-start=\"4930\" data-end=\"4997\"><span style=\"color: #000000;\"><strong data-start=\"4930\" data-end=\"4961\">Sin costos de mantenimiento<\/strong> (seg\u00fan el plan\/producto vigente).<\/span><\/p><\/li><li data-start=\"4998\" data-end=\"5103\"><p data-start=\"5000\" data-end=\"5103\"><span style=\"color: #000000;\"><strong data-start=\"5000\" data-end=\"5022\">Exenci\u00f3n de 4&#215;1000<\/strong>: puede aplicar bajo reglas de UVT mensuales (depende de tu configuraci\u00f3n\/uso).<\/span><\/p><\/li><li data-start=\"5104\" data-end=\"5264\"><p data-start=\"5106\" data-end=\"5264\"><span style=\"color: #000000;\"><strong data-start=\"5106\" data-end=\"5139\">Seguro de dep\u00f3sitos (Fogaf\u00edn)<\/strong>: los dep\u00f3sitos en entidades cubiertas cuentan con respaldo <strong data-start=\"5199\" data-end=\"5232\">hasta el monto m\u00e1ximo vigente<\/strong> (seg\u00fan condiciones del seguro).<\/span><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\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\udcb3 Simulador Rendimientos Ual\u00e1 Simula el 5% E.A. diario (sin condiciones) y el rendimiento adicional (8,25% o 10,5% E.A.) que se liquida mensualmente si cumples la condici\u00f3n del mes. Saldo inicial (COP) D\u00edas a simular Fecha de inicio Selecciona tu escenario de rendimiento total (E.A.) 5% E.A. Base sin condiciones 8,25% E.A. 1 compra\/mes (tarjeta)&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4103,"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-5896","herramientas","type-herramientas","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5896","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":16,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5896\/revisions"}],"predecessor-version":[{"id":6188,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5896\/revisions\/6188"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media\/4103"}],"wp:attachment":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media?parent=5896"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}