{"id":5905,"date":"2025-01-11T18:37:22","date_gmt":"2025-01-11T23:37:22","guid":{"rendered":"https:\/\/inversionesguru.com\/co\/?post_type=herramientas&#038;p=5905"},"modified":"2026-08-10T17:41:23","modified_gmt":"2026-08-10T22:41:23","slug":"simulador-cuenta-de-ahorros-rappipay-colombia","status":"publish","type":"herramientas","link":"https:\/\/inversionesguru.com\/co\/herramientas\/simulador-cuenta-de-ahorros-rappipay-colombia\/","title":{"rendered":"Simulador Cuenta de Ahorros RappiPay Colombia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5905\" class=\"elementor elementor-5905\" data-elementor-post-type=\"herramientas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9fd4a2c e-flex e-con-boxed e-con e-parent\" data-id=\"9fd4a2c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a025135 elementor-widget elementor-widget-html\" data-id=\"a025135\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section id=\"ig-rappi-bovedas-sim\" aria-labelledby=\"ig-rappi-title\">\r\n  <style>\r\n    #ig-rappi-bovedas-sim{\r\n      --ig-ink:#17332f;\r\n      --ig-ink-2:#24443e;\r\n      --ig-muted:#5f716b;\r\n      --ig-muted-2:#7c8e88;\r\n      --ig-bg:#f3faf7;\r\n      --ig-bg-warm:#fff7f2;\r\n      --ig-panel:#ffffff;\r\n      --ig-line:#d9e5e1;\r\n      --ig-line-strong:#bcd0c9;\r\n      --ig-accent:#0f9f7a;\r\n      --ig-accent-dark:#08755d;\r\n      --ig-coral:#ef6a4a;\r\n      --ig-coral-dark:#ca5035;\r\n      --ig-purple:#6d28d9;\r\n      --ig-purple-soft:#f2ebff;\r\n      --ig-green-soft:#e7f8f1;\r\n      --ig-coral-soft:#fff0ea;\r\n      --ig-warning:#a86906;\r\n      --ig-danger:#b42318;\r\n      --ig-shadow:0 18px 44px rgba(23,51,47,.09);\r\n      --ig-shadow-soft:0 9px 24px rgba(23,51,47,.06);\r\n      --ig-radius-sm:12px;\r\n      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#ig-rappi-bovedas-sim .ig-results.is-visible{display:grid;animation:ig-rappi-rise .34s ease both;}\r\n    #ig-rappi-bovedas-sim .ig-primary-result{padding:24px;background:linear-gradient(135deg,#17332f,#214740);border-color:#17332f;color:#fff;box-shadow:var(--ig-shadow);}\r\n    #ig-rappi-bovedas-sim .ig-primary-result .ig-overline{display:inline-flex;padding:5px 8px;border-radius:999px;background:rgba(255,255,255,.1);color:rgba(255,255,255,.78);font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;}\r\n    #ig-rappi-bovedas-sim .ig-primary-result h2{margin-top:10px;color:#fff;font-size:26px;line-height:1.15;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-main-value{display:block;margin-top:8px;color:#fff;font-size:clamp(38px,6vw,66px);line-height:1;font-weight:950;letter-spacing:-.03em;white-space:nowrap;}\r\n    #ig-rappi-bovedas-sim .ig-primary-result>p{margin-top:10px;color:rgba(255,255,255,.76);font-size:12px;line-height:1.55;}\r\n    #ig-rappi-bovedas-sim .ig-result-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:18px;}\r\n    #ig-rappi-bovedas-sim .ig-result-mini{padding:11px;border:1px solid rgba(255,255,255,.15);border-radius:12px;background:rgba(255,255,255,.07);}\r\n    #ig-rappi-bovedas-sim .ig-result-mini small{display:block;color:rgba(255,255,255,.65);font-size:9px;font-weight:850;text-transform:uppercase;}\r\n    #ig-rappi-bovedas-sim .ig-result-mini strong{display:block;margin-top:4px;color:#fff;font-size:15px;font-weight:950;white-space:nowrap;}\r\n    #ig-rappi-bovedas-sim .ig-summary{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;}\r\n    #ig-rappi-bovedas-sim .ig-kpi{min-height:104px;padding:14px;border:1px solid var(--ig-line);border-radius:14px;background:#fff;box-shadow:var(--ig-shadow-soft);}\r\n    #ig-rappi-bovedas-sim .ig-kpi small{display:block;color:var(--ig-muted);font-size:9px;font-weight:900;text-transform:uppercase;letter-spacing:.04em;}\r\n    #ig-rappi-bovedas-sim .ig-kpi strong{display:block;margin-top:7px;color:var(--ig-ink);font-size:18px;line-height:1.15;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-kpi.is-green{border-top:3px solid var(--ig-accent);}\r\n    #ig-rappi-bovedas-sim .ig-kpi.is-coral{border-top:3px solid var(--ig-coral);}\r\n    #ig-rappi-bovedas-sim .ig-kpi em{display:block;margin-top:5px;color:var(--ig-muted);font-size:10px;font-style:normal;line-height:1.35;}\r\n\r\n    #ig-rappi-bovedas-sim .ig-visual-card{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(250px,.7fr);gap:16px;padding:18px;}\r\n    #ig-rappi-bovedas-sim .ig-chart-box{min-height:205px;border:1px solid var(--ig-line);border-radius:14px;background:linear-gradient(180deg,#f4fbf8,#fff);padding:12px;}\r\n    #ig-rappi-bovedas-sim .ig-chart-box svg{display:block;width:100%;height:178px;overflow:visible;}\r\n    #ig-rappi-bovedas-sim .ig-chart-line{stroke-dasharray:420;stroke-dashoffset:420;animation:ig-rappi-draw .85s ease forwards;}\r\n    #ig-rappi-bovedas-sim .ig-story{display:grid;align-content:start;gap:9px;padding:4px;}\r\n    #ig-rappi-bovedas-sim .ig-story h2{font-size:20px;line-height:1.18;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-story p{color:var(--ig-muted);font-size:12px;line-height:1.55;}\r\n    #ig-rappi-bovedas-sim .ig-meter{height:9px;border-radius:999px;background:#e9efed;overflow:hidden;}\r\n    #ig-rappi-bovedas-sim .ig-meter i{display:block;width:var(--ig-progress,0%);height:100%;border-radius:inherit;background:linear-gradient(90deg,var(--ig-accent),var(--ig-coral));transition:width .45s ease;}\r\n\r\n    #ig-rappi-bovedas-sim details.ig-detail{border:1px solid var(--ig-line);border-radius:15px;background:#fff;box-shadow:var(--ig-shadow-soft);overflow:hidden;}\r\n    #ig-rappi-bovedas-sim details.ig-detail summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:62px;padding:15px 17px;cursor:pointer;color:var(--ig-ink);font-size:14px;font-weight:950;}\r\n    #ig-rappi-bovedas-sim details.ig-detail summary::-webkit-details-marker{display:none;}\r\n    #ig-rappi-bovedas-sim details.ig-detail summary::after{content:\"+\";display:grid;place-items:center;width:28px;height:28px;border-radius:9px;background:var(--ig-green-soft);color:var(--ig-accent-dark);font-size:16px;font-weight:950;}\r\n    #ig-rappi-bovedas-sim details.ig-detail[open] summary::after{content:\"\u2212\";}\r\n    #ig-rappi-bovedas-sim .ig-detail-body{padding:0 17px 17px;}\r\n    #ig-rappi-bovedas-sim .ig-table-wrap{overflow:auto;border:1px solid var(--ig-line);border-radius:12px;background:#fff;}\r\n    #ig-rappi-bovedas-sim table{width:100%;min-width:800px;border-collapse:collapse;font-variant-numeric:tabular-nums;}\r\n    #ig-rappi-bovedas-sim th{padding:10px 11px;background:var(--ig-ink);color:#fff;font-size:10px;font-weight:900;text-align:left;white-space:nowrap;}\r\n    #ig-rappi-bovedas-sim td{padding:10px 11px;border-bottom:1px solid var(--ig-line);color:var(--ig-ink-2);font-size:11px;vertical-align:middle;}\r\n    #ig-rappi-bovedas-sim tbody tr:nth-child(even){background:#f7fbf9;}\r\n    #ig-rappi-bovedas-sim .ig-money{font-weight:850;white-space:nowrap;}\r\n    #ig-rappi-bovedas-sim .ig-positive{color:var(--ig-accent-dark);font-weight:900;white-space:nowrap;}\r\n    #ig-rappi-bovedas-sim .ig-ret{color:var(--ig-coral-dark);font-weight:900;white-space:nowrap;}\r\n    #ig-rappi-bovedas-sim .ig-table-hint{margin-bottom:8px;color:var(--ig-muted);font-size:10px;}\r\n\r\n    #ig-rappi-bovedas-sim .ig-pdf-box{display:none;grid-template-columns:minmax(0,1fr) auto;gap:14px;align-items:center;padding:16px 17px;border:1px solid rgba(239,106,74,.25);border-radius:15px;background:var(--ig-bg-warm);}\r\n    #ig-rappi-bovedas-sim .ig-results.is-visible .ig-pdf-box{display:grid;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-box strong{display:block;font-size:13px;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-box span{display:block;margin-top:3px;color:var(--ig-muted);font-size:10px;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-btn{background:var(--ig-coral);color:#fff;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-btn:hover{background:var(--ig-coral-dark);}\r\n    #ig-rappi-bovedas-sim .ig-pdf-btn:disabled{opacity:.58;cursor:not-allowed;transform:none;}\r\n\r\n    #ig-rappi-bovedas-sim .ig-source-card{margin-top:18px;padding:18px;}\r\n    #ig-rappi-bovedas-sim .ig-source-card h2{font-size:18px;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-source-card>p{margin-top:5px;color:var(--ig-muted);font-size:11px;line-height:1.55;}\r\n    #ig-rappi-bovedas-sim .ig-source-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:13px;}\r\n    #ig-rappi-bovedas-sim .ig-source-links a{display:inline-flex;align-items:center;min-height:38px;padding:8px 10px;border:1px solid var(--ig-line);border-radius:10px;background:#fff;font-size:10px;text-decoration:none;}\r\n    #ig-rappi-bovedas-sim .ig-note{margin-top:12px;padding:12px 13px;border-left:4px solid var(--ig-coral);border-radius:10px;background:var(--ig-coral-soft);color:var(--ig-ink-2);font-size:10px;line-height:1.55;}\r\n    #ig-rappi-bovedas-sim .is-hidden{display:none!important;}\r\n\r\n    @keyframes ig-rappi-rise{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}\r\n    @keyframes ig-rappi-draw{to{stroke-dashoffset:0}}\r\n    @media (prefers-reduced-motion:reduce){#ig-rappi-bovedas-sim *,#ig-rappi-bovedas-sim *::before,#ig-rappi-bovedas-sim *::after{animation-duration:1ms!important;transition-duration:1ms!important;scroll-behavior:auto!important;}}\r\n    @media (max-width:980px){\r\n      #ig-rappi-bovedas-sim .ig-hero,#ig-rappi-bovedas-sim .ig-layout,#ig-rappi-bovedas-sim .ig-visual-card{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-guide{position:static;}\r\n      #ig-rappi-bovedas-sim .ig-summary,#ig-rappi-bovedas-sim .ig-result-grid{grid-template-columns:repeat(2,minmax(0,1fr));}\r\n    }\r\n    @media (max-width:720px){\r\n      #ig-rappi-bovedas-sim{padding:16px 0 24px;}\r\n      #ig-rappi-bovedas-sim .ig-wrap{width:min(100% - 18px,1180px);}\r\n      #ig-rappi-bovedas-sim .ig-topbar{align-items:flex-start;flex-direction:column;}\r\n      #ig-rappi-bovedas-sim .ig-hero-main,#ig-rappi-bovedas-sim .ig-rates-panel,#ig-rappi-bovedas-sim .ig-form-card,#ig-rappi-bovedas-sim .ig-guide,#ig-rappi-bovedas-sim .ig-primary-result{padding:18px;}\r\n      #ig-rappi-bovedas-sim .ig-benefits,#ig-rappi-bovedas-sim .ig-mode-grid,#ig-rappi-bovedas-sim .ig-inline,#ig-rappi-bovedas-sim .ig-option-grid.is-three,#ig-rappi-bovedas-sim .ig-actions{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim input[type=\"text\"],#ig-rappi-bovedas-sim input[type=\"number\"],#ig-rappi-bovedas-sim input[type=\"date\"],#ig-rappi-bovedas-sim select{font-size:16px;}\r\n      #ig-rappi-bovedas-sim .ig-btn{width:100%;min-height:54px;}\r\n      #ig-rappi-bovedas-sim .ig-pdf-box{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim table{min-width:760px;}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap th:first-child,#ig-rappi-bovedas-sim .ig-table-wrap td:first-child{position:sticky;left:0;z-index:1;}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap th:first-child{background:var(--ig-ink);}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap td:first-child{background:#fff;}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap tbody tr:nth-child(even) td:first-child{background:#f7fbf9;}\r\n    }\r\n    @media (max-width:430px){\r\n      #ig-rappi-bovedas-sim .ig-summary,#ig-rappi-bovedas-sim .ig-result-grid{grid-template-columns:repeat(2,minmax(0,1fr));}\r\n      #ig-rappi-bovedas-sim .ig-main-value{font-size:clamp(34px,11vw,48px);}\r\n      #ig-rappi-bovedas-sim .ig-rate-row strong{font-size:18px;}\r\n      #ig-rappi-bovedas-sim .ig-kpi strong{font-size:16px;}\r\n    }\r\n    @media (max-width:350px){\r\n      #ig-rappi-bovedas-sim .ig-summary,#ig-rappi-bovedas-sim .ig-result-grid{grid-template-columns:1fr;}\r\n    }\r\n\r\n\r\n    \/* =========================================================\r\n       V2.1 \u00b7 Capa UX \/ contraste \/ responsive\r\n       Mantiene intacto el motor financiero auditado de V2.\r\n       ========================================================= *\/\r\n    #ig-rappi-bovedas-sim{\r\n      --ig-ink:#102c28;\r\n      --ig-ink-2:#274740;\r\n      --ig-muted:#526963;\r\n      --ig-bg:#f2f8f5;\r\n      --ig-panel:#ffffff;\r\n      --ig-line:#cfddd8;\r\n      --ig-line-strong:#9dbab1;\r\n      --ig-accent:#079b78;\r\n      --ig-accent-dark:#046f58;\r\n      --ig-coral:#ee694a;\r\n      --ig-coral-dark:#c94b31;\r\n      --ig-green-soft:#e2f7ef;\r\n      --ig-coral-soft:#fff0e9;\r\n      --ig-shadow:0 22px 48px rgba(16,44,40,.10);\r\n      --ig-shadow-soft:0 10px 26px rgba(16,44,40,.065);\r\n      background:\r\n        radial-gradient(circle at 96% 0%,rgba(7,155,120,.08),transparent 25%),\r\n        radial-gradient(circle at 0% 28%,rgba(238,105,74,.055),transparent 22%),\r\n        #f2f8f5;\r\n    }\r\n    #ig-rappi-bovedas-sim .ig-wrap{width:min(1200px,calc(100% - 34px));}\r\n    #ig-rappi-bovedas-sim .ig-card{border-color:var(--ig-line);box-shadow:var(--ig-shadow-soft);}\r\n\r\n    \/* Barra superior: informativa, no compite con el H1 *\/\r\n    #ig-rappi-bovedas-sim .ig-topbar{\r\n      margin-bottom:12px;padding:0 3px;border:0;border-radius:0;background:transparent;box-shadow:none;\r\n    }\r\n    #ig-rappi-bovedas-sim .ig-kicker,\r\n    #ig-rappi-bovedas-sim .ig-reviewed{font-size:11px;}\r\n    #ig-rappi-bovedas-sim .ig-reviewed{padding:7px 10px;border:1px solid rgba(7,155,120,.22);border-radius:999px;background:#fff;}\r\n\r\n    \/* Hero *\/\r\n    #ig-rappi-bovedas-sim .ig-hero{grid-template-columns:minmax(0,1.12fr) minmax(355px,.78fr);gap:20px;margin-bottom:20px;}\r\n    #ig-rappi-bovedas-sim .ig-hero-main{padding:34px 34px 30px;}\r\n    #ig-rappi-bovedas-sim .ig-hero-main::after{opacity:.72;}\r\n    #ig-rappi-bovedas-sim h1{max-width:800px;margin-top:17px;line-height:1.015;}\r\n    #ig-rappi-bovedas-sim .ig-hero-copy{max-width:700px;color:#445f58;font-size:16px;line-height:1.78;}\r\n    #ig-rappi-bovedas-sim .ig-benefits{gap:12px;margin-top:25px;}\r\n    #ig-rappi-bovedas-sim .ig-benefit{align-items:flex-start;min-height:76px;padding:14px;border-color:#cbdad5;background:#fff;box-shadow:0 5px 14px rgba(16,44,40,.035);}\r\n    #ig-rappi-bovedas-sim .ig-benefit b{flex-basis:34px;height:34px;border-radius:11px;}\r\n    #ig-rappi-bovedas-sim .ig-benefit span{display:grid;gap:2px;line-height:1.3;}\r\n    #ig-rappi-bovedas-sim .ig-benefit strong{font-size:12px;color:var(--ig-ink);font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-benefit small{font-size:10.5px;color:var(--ig-muted);font-weight:650;}\r\n\r\n    \/* Panel de tasas *\/\r\n    #ig-rappi-bovedas-sim .ig-rates-panel{\r\n      position:relative;padding:27px;background:linear-gradient(150deg,#123832 0%,#183f38 64%,#263c35 100%);overflow:hidden;\r\n    }\r\n    #ig-rappi-bovedas-sim .ig-rates-panel::before{content:\"\";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--ig-accent),var(--ig-coral));}\r\n    #ig-rappi-bovedas-sim .ig-rates-panel h2{font-size:27px;max-width:390px;}\r\n    #ig-rappi-bovedas-sim .ig-rate-list{gap:10px;margin-top:20px;}\r\n    #ig-rappi-bovedas-sim .ig-rate-row{min-height:64px;padding:12px 14px;background:rgba(255,255,255,.075);border-color:rgba(255,255,255,.18);}\r\n    #ig-rappi-bovedas-sim .ig-rate-row:hover{background:rgba(255,255,255,.105);}\r\n    #ig-rappi-bovedas-sim .ig-rate-row small{font-size:10px;}\r\n    #ig-rappi-bovedas-sim .ig-rate-row span{font-size:12.5px;}\r\n    #ig-rappi-bovedas-sim .ig-rate-row strong{font-size:21px;letter-spacing:-.015em;}\r\n    #ig-rappi-bovedas-sim .ig-rate-row.is-vault{border-color:rgba(238,105,74,.34);background:rgba(238,105,74,.075);}\r\n    #ig-rappi-bovedas-sim .ig-rate-row.is-best{border-color:rgba(255,180,91,.66);background:linear-gradient(90deg,rgba(238,105,74,.15),rgba(255,255,255,.07));box-shadow:inset 3px 0 0 #ffad65;}\r\n    #ig-rappi-bovedas-sim .ig-rate-note{margin-top:14px;padding:13px 14px;background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.09);}\r\n\r\n    \/* Formulario guiado *\/\r\n    #ig-rappi-bovedas-sim .ig-layout{grid-template-columns:minmax(0,1.18fr) minmax(300px,.54fr);gap:20px;}\r\n    #ig-rappi-bovedas-sim .ig-form-card{padding:28px;box-shadow:var(--ig-shadow);}\r\n    #ig-rappi-bovedas-sim .ig-form-head h2{font-size:28px;}\r\n    #ig-rappi-bovedas-sim .ig-form-head>p{max-width:680px;margin-top:7px;font-size:13px;line-height:1.55;}\r\n    #ig-rappi-bovedas-sim .ig-stepbar{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin-top:18px;padding:8px;border:1px solid var(--ig-line);border-radius:15px;background:#f7fbf9;}\r\n    #ig-rappi-bovedas-sim .ig-step{display:grid;grid-template-columns:30px minmax(0,1fr);gap:8px;align-items:center;min-height:54px;padding:8px;border-radius:11px;}\r\n    #ig-rappi-bovedas-sim .ig-step b{display:grid;place-items:center;width:30px;height:30px;border-radius:9px;background:#e8efec;color:#547069;font-size:11px;}\r\n    #ig-rappi-bovedas-sim .ig-step span{display:grid;gap:1px;}\r\n    #ig-rappi-bovedas-sim .ig-step strong{font-size:11px;color:var(--ig-ink);font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-step small{font-size:9px;color:var(--ig-muted);font-weight:650;}\r\n    #ig-rappi-bovedas-sim .ig-step.is-active{background:#fff;box-shadow:0 5px 12px rgba(16,44,40,.055);}\r\n    #ig-rappi-bovedas-sim .ig-step.is-active b{background:var(--ig-ink);color:#fff;}\r\n    #ig-rappi-bovedas-sim .ig-section-label{display:flex;align-items:center;gap:8px;margin-top:24px;margin-bottom:10px;color:var(--ig-ink);font-size:11px;letter-spacing:.045em;}\r\n    #ig-rappi-bovedas-sim .ig-section-label::before{content:\"\";width:5px;height:18px;border-radius:999px;background:var(--ig-accent);}\r\n    #ig-rappi-bovedas-sim .ig-mode-grid{gap:12px;}\r\n    #ig-rappi-bovedas-sim .ig-mode{position:relative;min-height:116px;padding:17px 17px 16px;border-width:1.5px;}\r\n    #ig-rappi-bovedas-sim .ig-mode[aria-pressed=\"true\"]{border-color:var(--ig-accent);background:#e7f8f1;box-shadow:0 0 0 3px rgba(7,155,120,.09),0 8px 18px rgba(16,44,40,.05);}\r\n    #ig-rappi-bovedas-sim .ig-mode[aria-pressed=\"true\"]::after{content:\"\u2713\";position:absolute;right:13px;top:13px;display:grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--ig-accent);color:#fff;font-size:12px;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-mode strong{font-size:16px;}\r\n    #ig-rappi-bovedas-sim .ig-mode span{max-width:92%;font-size:11.5px;}\r\n    #ig-rappi-bovedas-sim .ig-field{gap:8px;}\r\n    #ig-rappi-bovedas-sim label,#ig-rappi-bovedas-sim .ig-label{font-size:13.5px;color:var(--ig-ink);}\r\n    #ig-rappi-bovedas-sim .ig-help{color:#60756f;font-size:11px;}\r\n    #ig-rappi-bovedas-sim input[type=\"text\"],\r\n    #ig-rappi-bovedas-sim input[type=\"number\"],\r\n    #ig-rappi-bovedas-sim input[type=\"date\"],\r\n    #ig-rappi-bovedas-sim select{min-height:56px;padding:13px 14px;border-width:1.5px;border-color:#c8d7d2;background:#fff;font-weight:760;}\r\n    #ig-rappi-bovedas-sim input:hover,#ig-rappi-bovedas-sim select:hover{border-color:#abc2ba;}\r\n    #ig-rappi-bovedas-sim .ig-option-grid{gap:11px;}\r\n    #ig-rappi-bovedas-sim .ig-option{position:relative;min-height:96px;padding:16px 44px 15px 16px;border-width:1.5px;}\r\n    #ig-rappi-bovedas-sim .ig-option strong{font-size:14.5px;}\r\n    #ig-rappi-bovedas-sim .ig-option span{font-size:11.5px;}\r\n    #ig-rappi-bovedas-sim .ig-option:has(input:checked){border-color:var(--ig-accent);background:#e4f7ef;box-shadow:0 0 0 3px rgba(7,155,120,.095),0 7px 16px rgba(16,44,40,.045);}\r\n    #ig-rappi-bovedas-sim .ig-option:has(input:checked)::after{content:\"\u2713\";position:absolute;right:14px;top:14px;display:grid;place-items:center;width:25px;height:25px;border-radius:50%;background:var(--ig-accent);color:#fff;font-size:12px;font-weight:950;}\r\n    #ig-rappi-bovedas-sim .ig-option.is-vault:has(input:checked){border-color:var(--ig-coral);background:#fff2ed;box-shadow:0 0 0 3px rgba(238,105,74,.085);}\r\n    #ig-rappi-bovedas-sim .ig-option.is-vault:has(input:checked)::after{background:var(--ig-coral);}\r\n    #ig-rappi-bovedas-sim .ig-toggle{padding:15px;border-width:1.5px;border-color:#cbdad5;background:#fbfdfc;}\r\n    #ig-rappi-bovedas-sim .ig-tax-box{background:#fffaf7;border-color:#eed6cb;}\r\n    #ig-rappi-bovedas-sim .ig-actions{margin-top:22px;padding-top:19px;border-top:1px solid #e0e9e6;}\r\n    #ig-rappi-bovedas-sim .ig-btn-primary{min-height:56px;background:var(--ig-ink);font-size:14px;box-shadow:0 14px 26px rgba(16,44,40,.19);}\r\n    #ig-rappi-bovedas-sim .ig-btn-secondary{min-height:56px;}\r\n\r\n    \/* Ayuda lateral: menos competencia, m\u00e1s utilidad *\/\r\n    #ig-rappi-bovedas-sim .ig-guide{top:20px;padding:22px;background:#fffdfb;border-color:#e4dcd6;}\r\n    #ig-rappi-bovedas-sim .ig-guide h3{font-size:22px;}\r\n    #ig-rappi-bovedas-sim .ig-guide>p{font-size:12.5px;}\r\n    #ig-rappi-bovedas-sim .ig-guide-list{gap:10px;}\r\n    #ig-rappi-bovedas-sim .ig-guide-item{grid-template-columns:38px minmax(0,1fr);padding:12px;background:#fff;border-color:#d7e2de;}\r\n    #ig-rappi-bovedas-sim .ig-guide-item:nth-child(2){border-color:#efd9cf;background:#fffaf7;}\r\n    #ig-rappi-bovedas-sim .ig-guide-item:nth-child(2) b{background:var(--ig-coral-soft);color:var(--ig-coral-dark);}\r\n    #ig-rappi-bovedas-sim .ig-guide-item strong{font-size:12.5px;}\r\n    #ig-rappi-bovedas-sim .ig-guide-item span{font-size:10.5px;}\r\n\r\n    \/* Resultado *\/\r\n    #ig-rappi-bovedas-sim .ig-results{gap:18px;margin-top:22px;}\r\n    #ig-rappi-bovedas-sim .ig-primary-result{position:relative;padding:30px 30px 26px;background:linear-gradient(125deg,#123832 0%,#173f38 72%,#213e36 100%);overflow:hidden;}\r\n    #ig-rappi-bovedas-sim .ig-primary-result::before{content:\"\";position:absolute;left:0;top:0;width:100%;height:4px;background:linear-gradient(90deg,var(--ig-accent),var(--ig-coral));}\r\n    #ig-rappi-bovedas-sim .ig-primary-result h2{font-size:28px;}\r\n    #ig-rappi-bovedas-sim .ig-main-value{margin-top:10px;font-size:clamp(42px,6vw,70px);letter-spacing:-.045em;}\r\n    #ig-rappi-bovedas-sim .ig-primary-result>p{max-width:940px;margin-top:12px;font-size:13px;color:rgba(255,255,255,.82);}\r\n    #ig-rappi-bovedas-sim .ig-result-grid{gap:11px;margin-top:20px;}\r\n    #ig-rappi-bovedas-sim .ig-result-mini{min-height:82px;padding:13px 14px;background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.19);}\r\n    #ig-rappi-bovedas-sim .ig-result-mini small{font-size:9.5px;}\r\n    #ig-rappi-bovedas-sim .ig-result-mini strong{font-size:16px;}\r\n    #ig-rappi-bovedas-sim .ig-summary{gap:12px;}\r\n    #ig-rappi-bovedas-sim .ig-kpi{min-height:114px;padding:16px;border-color:#d4e0dc;box-shadow:none;}\r\n    #ig-rappi-bovedas-sim .ig-kpi small{font-size:9.5px;color:#61736e;}\r\n    #ig-rappi-bovedas-sim .ig-kpi strong{font-size:19px;letter-spacing:-.015em;}\r\n    #ig-rappi-bovedas-sim .ig-kpi.is-green{background:#f8fdfa;border-top-width:4px;}\r\n    #ig-rappi-bovedas-sim .ig-kpi.is-coral{background:#fffaf8;border-top-width:4px;}\r\n    #ig-rappi-bovedas-sim .ig-visual-card{gap:18px;padding:22px;border-color:#cfddd8;}\r\n    #ig-rappi-bovedas-sim .ig-chart-box{min-height:230px;padding:16px;background:linear-gradient(180deg,#f1faf6 0%,#fff 95%);}\r\n    #ig-rappi-bovedas-sim .ig-chart-box svg{height:198px;}\r\n    #ig-rappi-bovedas-sim .ig-story{align-self:stretch;padding:16px;border:1px solid #d8e3df;border-radius:14px;background:#fbfdfc;}\r\n    #ig-rappi-bovedas-sim .ig-story h2{font-size:21px;}\r\n    #ig-rappi-bovedas-sim .ig-story p{font-size:12.5px;}\r\n\r\n    \/* Detalles \/ PDF \/ fuentes *\/\r\n    #ig-rappi-bovedas-sim details.ig-detail{border-color:#d2dfda;box-shadow:none;}\r\n    #ig-rappi-bovedas-sim details.ig-detail summary{min-height:66px;padding:17px 19px;font-size:14.5px;background:#fff;}\r\n    #ig-rappi-bovedas-sim details.ig-detail summary:hover{background:#f8fbfa;}\r\n    #ig-rappi-bovedas-sim details.ig-detail[open] summary{border-bottom:1px solid #e2ebe8;background:#f8fbfa;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-box{padding:18px 20px;background:#fff6f1;border-color:#f1c9b9;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-box strong{font-size:14px;}\r\n    #ig-rappi-bovedas-sim .ig-pdf-box span{font-size:11px;}\r\n    #ig-rappi-bovedas-sim .ig-source-card{padding:20px;background:#fbfdfc;box-shadow:none;}\r\n    #ig-rappi-bovedas-sim .ig-source-card h2{font-size:19px;}\r\n    #ig-rappi-bovedas-sim .ig-source-card>p{font-size:11.5px;}\r\n    #ig-rappi-bovedas-sim .ig-source-links a{min-height:42px;padding:9px 12px;border-color:#cbdad5;background:#fff;}\r\n\r\n    \/* Responsive audit-friendly *\/\r\n    @media (max-width:980px){\r\n      #ig-rappi-bovedas-sim .ig-hero{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-rates-panel{max-width:none;}\r\n      #ig-rappi-bovedas-sim .ig-layout{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-guide{position:static;}\r\n      #ig-rappi-bovedas-sim .ig-guide-list{grid-template-columns:repeat(3,minmax(0,1fr));}\r\n      #ig-rappi-bovedas-sim .ig-guide-item{grid-template-columns:34px minmax(0,1fr);}\r\n      #ig-rappi-bovedas-sim .ig-visual-card{grid-template-columns:minmax(0,1.25fr) minmax(250px,.75fr);}\r\n    }\r\n    @media (max-width:760px){\r\n      #ig-rappi-bovedas-sim{padding:14px 0 24px;}\r\n      #ig-rappi-bovedas-sim .ig-wrap{width:min(100% - 18px,1200px);}\r\n      #ig-rappi-bovedas-sim .ig-topbar{align-items:flex-start;flex-direction:row;flex-wrap:wrap;gap:8px;}\r\n      #ig-rappi-bovedas-sim .ig-hero-main,#ig-rappi-bovedas-sim .ig-rates-panel,#ig-rappi-bovedas-sim .ig-form-card,#ig-rappi-bovedas-sim .ig-guide,#ig-rappi-bovedas-sim .ig-primary-result{padding:20px;}\r\n      #ig-rappi-bovedas-sim h1{font-size:clamp(33px,10vw,45px);}\r\n      #ig-rappi-bovedas-sim .ig-hero-copy{font-size:15px;line-height:1.68;}\r\n      #ig-rappi-bovedas-sim .ig-benefits{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-benefit{min-height:64px;}\r\n      #ig-rappi-bovedas-sim .ig-stepbar{grid-template-columns:1fr;gap:4px;}\r\n      #ig-rappi-bovedas-sim .ig-step{min-height:48px;}\r\n      #ig-rappi-bovedas-sim .ig-step:not(.is-active) small{display:none;}\r\n      #ig-rappi-bovedas-sim .ig-inline{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-option-grid.is-three{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim input[type=\"text\"],#ig-rappi-bovedas-sim input[type=\"number\"],#ig-rappi-bovedas-sim input[type=\"date\"],#ig-rappi-bovedas-sim select{font-size:16px;min-height:56px;}\r\n      #ig-rappi-bovedas-sim .ig-guide-list{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-actions{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-btn{width:100%;}\r\n      #ig-rappi-bovedas-sim .ig-primary-result h2{font-size:24px;}\r\n      #ig-rappi-bovedas-sim .ig-result-grid,#ig-rappi-bovedas-sim .ig-summary{grid-template-columns:repeat(2,minmax(0,1fr));}\r\n      #ig-rappi-bovedas-sim .ig-visual-card{grid-template-columns:1fr;padding:16px;}\r\n      #ig-rappi-bovedas-sim .ig-story{padding:14px;}\r\n      #ig-rappi-bovedas-sim .ig-pdf-box{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim table{min-width:760px;}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap th:first-child,#ig-rappi-bovedas-sim .ig-table-wrap td:first-child{position:sticky;left:0;z-index:2;}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap th:first-child{background:var(--ig-ink);}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap td:first-child{background:#fff;}\r\n      #ig-rappi-bovedas-sim .ig-table-wrap tbody tr:nth-child(even) td:first-child{background:#f7fbf9;}\r\n    }\r\n    @media (max-width:520px){\r\n      #ig-rappi-bovedas-sim .ig-mode-grid{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-rates-panel h2{font-size:24px;}\r\n      #ig-rappi-bovedas-sim .ig-rate-row{grid-template-columns:minmax(0,1fr) auto;}\r\n      #ig-rappi-bovedas-sim .ig-rate-row strong{font-size:19px;}\r\n      #ig-rappi-bovedas-sim .ig-main-value{font-size:clamp(37px,12vw,50px);}\r\n    }\r\n    @media (max-width:380px){\r\n      #ig-rappi-bovedas-sim .ig-result-grid,#ig-rappi-bovedas-sim .ig-summary{grid-template-columns:1fr;}\r\n      #ig-rappi-bovedas-sim .ig-rate-row{gap:8px;padding:11px;}\r\n      #ig-rappi-bovedas-sim .ig-rate-row strong{font-size:17px;}\r\n      #ig-rappi-bovedas-sim .ig-topbar{display:grid;}\r\n      #ig-rappi-bovedas-sim .ig-reviewed{width:fit-content;}\r\n      #ig-rappi-bovedas-sim details.ig-detail summary{font-size:13.5px;}\r\n    }\r\n\r\n  <\/style>\r\n\r\n  <div class=\"ig-wrap\">\r\n    <div class=\"ig-topbar\" aria-label=\"Estado de la calculadora\">\r\n      <span class=\"ig-kicker\">RappiPay \u00b7 Colombia<\/span>\r\n      <span class=\"ig-reviewed\"><span class=\"ig-dot\"><\/span> Tasas revisadas 10\/08\/2026<\/span>\r\n    <\/div>\r\n\r\n    <div class=\"ig-hero\">\r\n      <article class=\"ig-card ig-hero-main\">\r\n        <span class=\"ig-eyebrow\">RappiCuenta \u00b7 Bolsillos \u00b7 B\u00f3vedas<\/span>\r\n        <h1 id=\"ig-rappi-title\">Calcula cu\u00e1nto puede <span>rendir tu dinero en RappiPay.<\/span><\/h1>\r\n        <p class=\"ig-hero-copy\">Descubre cu\u00e1nto podr\u00eda generar tu dinero si lo dejas disponible, lo separas en Bolsillos o lo llevas a una B\u00f3veda. Primero ver\u00e1s la ganancia estimada y despu\u00e9s, si quieres, podr\u00e1s revisar el detalle del c\u00e1lculo.<\/p>\r\n        <div class=\"ig-benefits\" aria-label=\"Caracter\u00edsticas de la simulaci\u00f3n\">\r\n          <div class=\"ig-benefit\"><b>9%<\/b><span><strong>Rendimiento en Bolsillos<\/strong><small>Simula el saldo d\u00eda a d\u00eda.<\/small><\/span><\/div>\r\n          <div class=\"ig-benefit\"><b>+<\/b><span><strong>Aportes opcionales<\/strong><small>Proyecta tu h\u00e1bito de ahorro mensual.<\/small><\/span><\/div>\r\n          <div class=\"ig-benefit\"><b>PDF<\/b><span><strong>Guarda el resultado<\/strong><small>Descarga un reporte de tu escenario.<\/small><\/span><\/div>\r\n        <\/div>\r\n      <\/article>\r\n\r\n      <aside class=\"ig-card ig-rates-panel\" aria-label=\"Tasas vigentes de referencia\">\r\n        <span class=\"ig-badge\">Tasas publicadas desde 17\/07\/2026<\/span>\r\n        <h2>Compara las tasas antes de simular.<\/h2>\r\n        <p>La rentabilidad cambia seg\u00fan d\u00f3nde mantengas el dinero. En B\u00f3vedas tambi\u00e9n depende del plazo elegido.<\/p>\r\n        <div class=\"ig-rate-list\">\r\n          <div class=\"ig-rate-row\"><div><small>RappiCuenta<\/small><span>Fuera de Bolsillos<\/span><\/div><strong>0,10% E.A.<\/strong><\/div>\r\n          <div class=\"ig-rate-row\"><div><small>RappiCuenta<\/small><span>Saldo en Bolsillos<\/span><\/div><strong>9,00% E.A.<\/strong><\/div>\r\n          <div class=\"ig-rate-row is-vault\"><div><small>B\u00f3veda<\/small><span>90 d\u00edas<\/span><\/div><strong>10,00% E.A.<\/strong><\/div>\r\n          <div class=\"ig-rate-row is-vault\"><div><small>B\u00f3veda<\/small><span>180 d\u00edas<\/span><\/div><strong>10,50% E.A.<\/strong><\/div>\r\n          <div class=\"ig-rate-row is-vault is-best\"><div><small>B\u00f3veda \u00b7 mayor tasa publicada<\/small><span>360 d\u00edas<\/span><\/div><strong>10,80% E.A.<\/strong><\/div>\r\n        <\/div>\r\n        <div class=\"ig-rate-note\"><strong>Retiro anticipado:<\/strong> la tasa publicada actualmente es 0,10% E.A. El monto m\u00ednimo comercial mostrado por RappiPay para crear una B\u00f3veda es $500.000.<\/div>\r\n      <\/aside>\r\n    <\/div>\r\n\r\n    <div class=\"ig-layout\">\r\n      <form class=\"ig-card ig-form-card\" id=\"ig-rappi-form\" novalidate>\r\n        <div class=\"ig-form-head\">\r\n          <h2>Simula tu ahorro<\/h2>\r\n          <p>Empieza por elegir c\u00f3mo quieres guardar el dinero. Luego completa el monto y el plazo.<\/p>\r\n          <div class=\"ig-stepbar\" aria-label=\"Ruta de la simulaci\u00f3n\">\r\n            <div class=\"ig-step is-active\"><b>1<\/b><span><strong>Producto<\/strong><small>Elige d\u00f3nde ir\u00e1 tu dinero<\/small><\/span><\/div>\r\n            <div class=\"ig-step\"><b>2<\/b><span><strong>Monto y plazo<\/strong><small>Define tu escenario<\/small><\/span><\/div>\r\n            <div class=\"ig-step\"><b>3<\/b><span><strong>Resultado<\/strong><small>Revisa cu\u00e1nto podr\u00edas ganar<\/small><\/span><\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"ig-section-label\">Paso 1 \u00b7 Elige c\u00f3mo quieres guardar tu dinero<\/div>\r\n        <div class=\"ig-mode-grid\" role=\"group\" aria-label=\"Tipo de simulaci\u00f3n\">\r\n          <button class=\"ig-mode\" type=\"button\" id=\"ig-rappi-tab-flex\" aria-pressed=\"true\">\r\n            <small>Disponible y flexible<\/small>\r\n            <strong>RappiCuenta \/ Bolsillos<\/strong>\r\n            <span>Proyecci\u00f3n diaria con abono mensual y aportes opcionales.<\/span>\r\n          <\/button>\r\n          <button class=\"ig-mode\" type=\"button\" id=\"ig-rappi-tab-vault\" aria-pressed=\"false\">\r\n            <small>Ahorro a plazo<\/small>\r\n            <strong>B\u00f3vedas<\/strong>\r\n            <span>90, 180 o 360 d\u00edas, con opci\u00f3n de retiro anticipado.<\/span>\r\n          <\/button>\r\n        <\/div>\r\n\r\n        <div class=\"ig-form-grid\">\r\n          <div class=\"ig-field\">\r\n            <label for=\"ig-rappi-amount\">Monto inicial<\/label>\r\n            <input id=\"ig-rappi-amount\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"Ej: 5.000.000\" aria-describedby=\"ig-rappi-amount-help\">\r\n            <div class=\"ig-help\" id=\"ig-rappi-amount-help\">Ingresa el dinero que quieres proyectar.<\/div>\r\n          <\/div>\r\n\r\n          <div id=\"ig-rappi-flex-panel\">\r\n            <div class=\"ig-section-label\">Paso 2 \u00b7 Selecciona d\u00f3nde lo mantendr\u00e1s<\/div>\r\n            <div class=\"ig-option-grid\">\r\n              <label class=\"ig-option\">\r\n                <input type=\"radio\" name=\"ig-rappi-flex-rate\" value=\"bolsillo\" checked>\r\n                <strong>En Bolsillos \u00b7 9,00% E.A.<\/strong>\r\n                <span>RappiPay revisa diariamente el saldo que permanece dentro de uno o varios Bolsillos.<\/span>\r\n              <\/label>\r\n              <label class=\"ig-option\">\r\n                <input type=\"radio\" name=\"ig-rappi-flex-rate\" value=\"cuenta\">\r\n                <strong>Fuera de Bolsillos \u00b7 0,10% E.A.<\/strong>\r\n                <span>Para saldo disponible a la vista en RappiCuenta.<\/span>\r\n              <\/label>\r\n            <\/div>\r\n\r\n            <div class=\"ig-section-label\">Paso 3 \u00b7 Define el tiempo y tus aportes<\/div>\r\n            <div class=\"ig-inline\">\r\n              <div class=\"ig-field\">\r\n                <label for=\"ig-rappi-start\">Fecha inicial<\/label>\r\n                <input id=\"ig-rappi-start\" type=\"date\">\r\n                <div class=\"ig-help\">La fecha s\u00ed afecta los cierres reales de cada mes.<\/div>\r\n              <\/div>\r\n              <div class=\"ig-field\">\r\n                <label for=\"ig-rappi-months\">Meses a proyectar<\/label>\r\n                <input id=\"ig-rappi-months\" type=\"number\" min=\"1\" max=\"120\" value=\"12\">\r\n                <div class=\"ig-help\">Entre 1 y 120 meses.<\/div>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"ig-inline\" style=\"margin-top:12px\">\r\n              <div class=\"ig-field\">\r\n                <label for=\"ig-rappi-contribution\">Aporte mensual <span style=\"color:var(--ig-muted);font-weight:700\">(opcional)<\/span><\/label>\r\n                <input id=\"ig-rappi-contribution\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"Ej: 300.000\">\r\n                <div class=\"ig-help\">Se suma al saldo antes del c\u00e1lculo del cierre diario del d\u00eda elegido.<\/div>\r\n              <\/div>\r\n              <div class=\"ig-field\">\r\n                <label for=\"ig-rappi-contribution-day\">D\u00eda del aporte<\/label>\r\n                <select id=\"ig-rappi-contribution-day\">\r\n                  <option value=\"1\">D\u00eda 1<\/option>\r\n                  <option value=\"5\">D\u00eda 5<\/option>\r\n                  <option value=\"10\">D\u00eda 10<\/option>\r\n                  <option value=\"15\" selected>D\u00eda 15<\/option>\r\n                  <option value=\"20\">D\u00eda 20<\/option>\r\n                  <option value=\"25\">D\u00eda 25<\/option>\r\n                  <option value=\"28\">D\u00eda 28<\/option>\r\n                  <option value=\"last\">\u00daltimo d\u00eda del mes<\/option>\r\n                <\/select>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div id=\"ig-rappi-vault-panel\" class=\"is-hidden\">\r\n            <div class=\"ig-section-label\">Paso 2 \u00b7 Elige el plazo de tu B\u00f3veda<\/div>\r\n            <div class=\"ig-option-grid is-three\">\r\n              <label class=\"ig-option is-vault\">\r\n                <input type=\"radio\" name=\"ig-rappi-vault-term\" value=\"90\" data-rate=\"0.10\" checked>\r\n                <strong>90 d\u00edas<\/strong><span>10,00% E.A.<\/span>\r\n              <\/label>\r\n              <label class=\"ig-option is-vault\">\r\n                <input type=\"radio\" name=\"ig-rappi-vault-term\" value=\"180\" data-rate=\"0.105\">\r\n                <strong>180 d\u00edas<\/strong><span>10,50% E.A.<\/span>\r\n              <\/label>\r\n              <label class=\"ig-option is-vault\">\r\n                <input type=\"radio\" name=\"ig-rappi-vault-term\" value=\"360\" data-rate=\"0.108\">\r\n                <strong>360 d\u00edas<\/strong><span>10,80% E.A.<\/span>\r\n              <\/label>\r\n            <\/div>\r\n            <div class=\"ig-section-label\">Paso 3 \u00b7 Define tu escenario<\/div>\r\n            <label class=\"ig-toggle\">\r\n              <input id=\"ig-rappi-early\" type=\"checkbox\">\r\n              <span><strong>Quiero simular un retiro anticipado<\/strong><span>RappiPay publica actualmente 0,10% E.A. cuando retiras antes del vencimiento.<\/span><\/span>\r\n            <\/label>\r\n            <div class=\"ig-inline\" style=\"margin-top:12px\">\r\n              <div class=\"ig-field\">\r\n                <label for=\"ig-rappi-held-days\">D\u00edas reales en la B\u00f3veda<\/label>\r\n                <input id=\"ig-rappi-held-days\" type=\"number\" min=\"1\" max=\"89\" value=\"30\" disabled>\r\n                <div class=\"ig-help\">Solo se usa si marcas retiro anticipado.<\/div>\r\n              <\/div>\r\n              <div class=\"ig-field\">\r\n                <label for=\"ig-rappi-vault-start\">Fecha inicial<\/label>\r\n                <input id=\"ig-rappi-vault-start\" type=\"date\">\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"ig-note\">Las B\u00f3vedas son una funcionalidad de la RappiCuenta Cuenta de Ahorros. No permiten retiros parciales: para disponer del dinero antes del vencimiento debes cerrar la B\u00f3veda.<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"ig-section-label\">Opcional \u00b7 Ajuste tributario<\/div>\r\n          <label class=\"ig-toggle ig-tax-box\">\r\n            <input id=\"ig-rappi-tax\" type=\"checkbox\">\r\n            <span><strong>Estimar retenci\u00f3n en la fuente cuando corresponda<\/strong><span>Para RappiCuenta\/Bolsillos se usa como referencia el umbral de 0,055 UVT de inter\u00e9s diario y la tarifa general vigente del 4%. En B\u00f3vedas, si activas esta opci\u00f3n, se estima 4% sobre el inter\u00e9s liquidado. La retenci\u00f3n real la determina RappiPay seg\u00fan la normativa y tu situaci\u00f3n.<\/span><\/span>\r\n          <\/label>\r\n        <\/div>\r\n\r\n        <div class=\"ig-actions\">\r\n          <button class=\"ig-btn ig-btn-primary\" type=\"submit\">Calcular mi rendimiento<\/button>\r\n          <button class=\"ig-btn ig-btn-secondary\" type=\"button\" id=\"ig-rappi-reset\">Reiniciar<\/button>\r\n        <\/div>\r\n        <div class=\"ig-msg\" id=\"ig-rappi-msg\" role=\"alert\"><\/div>\r\n      <\/form>\r\n\r\n      <aside class=\"ig-card ig-guide\" aria-label=\"C\u00f3mo interpretar la simulaci\u00f3n\">\r\n        <small>Antes de calcular<\/small>\r\n        <h3>Tres cosas que conviene saber.<\/h3>\r\n        <p>As\u00ed podr\u00e1s interpretar el resultado sin necesidad de conocer conceptos financieros.<\/p>\r\n        <div class=\"ig-guide-list\">\r\n          <div class=\"ig-guide-item\"><b>01<\/b><div><strong>Bolsillos generan d\u00eda a d\u00eda<\/strong><span>La proyecci\u00f3n usa el saldo que tengas al cierre de cada d\u00eda.<\/span><\/div><\/div>\r\n          <div class=\"ig-guide-item\"><b>02<\/b><div><strong>El abono se ve al cierre del mes<\/strong><span>Parte de la ganancia puede aparecer como pendiente si terminas la simulaci\u00f3n antes del cierre mensual.<\/span><\/div><\/div>\r\n          <div class=\"ig-guide-item\"><b>03<\/b><div><strong>En B\u00f3vedas importa cumplir el plazo<\/strong><span>Si retiras antes, la tasa cambia a la publicada para retiro anticipado.<\/span><\/div><\/div>\r\n        <\/div>\r\n      <\/aside>\r\n    <\/div>\r\n\r\n    <div class=\"ig-results\" id=\"ig-rappi-results\" aria-live=\"polite\">\r\n      <section class=\"ig-card ig-primary-result\">\r\n        <span class=\"ig-overline\">Tu resultado principal<\/span>\r\n        <h2 id=\"ig-rappi-main-title\">Ganancia neta estimada<\/h2>\r\n        <strong class=\"ig-main-value\" id=\"ig-rappi-main-value\">$0<\/strong>\r\n        <p id=\"ig-rappi-main-copy\">Calcula un escenario para ver cu\u00e1nto podr\u00eda generar tu dinero.<\/p>\r\n        <div class=\"ig-result-grid\">\r\n          <div class=\"ig-result-mini\"><small>Saldo proyectado<\/small><strong id=\"ig-rappi-final-out\">$0<\/strong><\/div>\r\n          <div class=\"ig-result-mini\"><small>Tasa aplicada<\/small><strong id=\"ig-rappi-rate-out\">\u2014<\/strong><\/div>\r\n          <div class=\"ig-result-mini\"><small>Ya abonado<\/small><strong id=\"ig-rappi-credited-out\">$0<\/strong><\/div>\r\n          <div class=\"ig-result-mini\"><small>Pendiente de abono<\/small><strong id=\"ig-rappi-pending-out\">$0<\/strong><\/div>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <div class=\"ig-summary\">\r\n        <article class=\"ig-kpi\"><small>Dinero que pusiste<\/small><strong id=\"ig-rappi-capital-out\">$0<\/strong><em>Capital inicial m\u00e1s aportes realizados.<\/em><\/article>\r\n        <article class=\"ig-kpi is-green\"><small>Rendimiento bruto<\/small><strong id=\"ig-rappi-gross-out\">$0<\/strong><em>Antes de retenci\u00f3n estimada.<\/em><\/article>\r\n        <article class=\"ig-kpi is-coral\"><small>Retenci\u00f3n estimada<\/small><strong id=\"ig-rappi-tax-out\">$0<\/strong><em id=\"ig-rappi-tax-note\">No aplicada.<\/em><\/article>\r\n        <article class=\"ig-kpi\"><small>Periodo<\/small><strong id=\"ig-rappi-period-out\">\u2014<\/strong><em id=\"ig-rappi-product-out\">\u2014<\/em><\/article>\r\n      <\/div>\r\n\r\n      <section class=\"ig-card ig-visual-card\">\r\n        <div class=\"ig-chart-box\" id=\"ig-rappi-chart\" aria-label=\"Gr\u00e1fico estimado de crecimiento\"><\/div>\r\n        <div class=\"ig-story\">\r\n          <h2 id=\"ig-rappi-story-title\">As\u00ed evoluciona tu escenario<\/h2>\r\n          <p id=\"ig-rappi-story-copy\">El gr\u00e1fico aparecer\u00e1 despu\u00e9s de calcular.<\/p>\r\n          <div class=\"ig-meter\" aria-hidden=\"true\"><i id=\"ig-rappi-meter\" style=\"--ig-progress:0%\"><\/i><\/div>\r\n          <p id=\"ig-rappi-meter-copy\">Crecimiento neto estimado sobre el capital aportado.<\/p>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <details class=\"ig-detail\" open>\r\n        <summary>As\u00ed se calcul\u00f3 tu resultado<\/summary>\r\n        <div class=\"ig-detail-body\" id=\"ig-rappi-explanation\"><\/div>\r\n      <\/details>\r\n\r\n      <details class=\"ig-detail\" id=\"ig-rappi-monthly-detail\">\r\n        <summary>Ver detalle mensual<\/summary>\r\n        <div class=\"ig-detail-body\">\r\n          <p class=\"ig-table-hint\">En m\u00f3vil puedes deslizar la tabla horizontalmente.<\/p>\r\n          <div class=\"ig-table-wrap\"><table><thead id=\"ig-rappi-monthly-head\"><\/thead><tbody id=\"ig-rappi-monthly-body\"><\/tbody><\/table><\/div>\r\n        <\/div>\r\n      <\/details>\r\n\r\n      <details class=\"ig-detail\" id=\"ig-rappi-daily-detail\">\r\n        <summary>Ver detalle diario<\/summary>\r\n        <div class=\"ig-detail-body\">\r\n          <p class=\"ig-table-hint\">Para mantener la consulta ligera se muestran inicialmente hasta 90 d\u00edas. Puedes ampliar el resto cuando lo necesites.<\/p>\r\n          <div class=\"ig-table-wrap\"><table><thead id=\"ig-rappi-daily-head\"><\/thead><tbody id=\"ig-rappi-daily-body\"><\/tbody><\/table><\/div>\r\n          <button class=\"ig-btn ig-btn-secondary\" type=\"button\" id=\"ig-rappi-show-all\" style=\"margin-top:10px;display:none\">Ver todos los d\u00edas<\/button>\r\n        <\/div>\r\n      <\/details>\r\n\r\n      <div class=\"ig-pdf-box\">\r\n        <div><strong>Guarda tu simulaci\u00f3n<\/strong><span id=\"ig-rappi-pdf-status\">El PDF incluye el logo de InversionesGuru y el resumen del escenario.<\/span><\/div>\r\n        <button class=\"ig-btn ig-pdf-btn\" type=\"button\" id=\"ig-rappi-pdf\">Descargar reporte PDF<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <section class=\"ig-card ig-source-card\">\r\n      <h2>Fuentes oficiales y metodolog\u00eda<\/h2>\r\n      <p>Consulta las tasas y reglas usadas en esta proyecci\u00f3n. Los enlaces externos se abren en una nueva pesta\u00f1a y est\u00e1n marcados como nofollow.<\/p>\r\n      <div class=\"ig-source-links\">\r\n        <a href=\"https:\/\/www.rappipay.co\/tasas-y-tarifas\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Tasas y tarifas RappiPay \u2197<\/a>\r\n        <a href=\"https:\/\/www.rappipay.co\/terminos-y-condiciones\/terminos-y-condiciones-aplicables-para-acceder-a-la-rentabilidad-del-9-e-a-y-el-respectivo-periodo-de-transicion-aplicable-a-rappicuenta-periodo-de-gracia\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">T&C rentabilidad Bolsillos \u2197<\/a>\r\n        <a href=\"https:\/\/www.rappipay.co\/terminos-y-condiciones\/funcionalidad-de-bovedas-ofrecida-por-rappipay-compania-de-financiamiento-s-a\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">T&C B\u00f3vedas \u2197<\/a>\r\n        <a href=\"https:\/\/normograma.dian.gov.co\/dian\/compilacion\/docs\/decreto_2715_1983.htm\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Umbral DIAN cuentas de ahorro \u2197<\/a>\r\n        <a href=\"https:\/\/normograma.dian.gov.co\/dian\/compilacion\/docs\/oficio_dian_3325_2024.htm\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Tarifa general DIAN \u2197<\/a>\r\n      <\/div>\r\n      <div class=\"ig-note\"><strong>Importante:<\/strong> es una proyecci\u00f3n educativa. RappiPay puede modificar tasas, condiciones, m\u00ednimos y reglas operativas. Los resultados pueden diferir por redondeos internos, momento real de los movimientos y tratamiento tributario aplicable.<\/div>\r\n    <\/section>\r\n  <\/div>\r\n\r\n  <script>\r\n    (function(){\r\n      'use strict';\r\n      const root = document.getElementById('ig-rappi-bovedas-sim');\r\n      if(!root || root.dataset.ready === 'true') return;\r\n      root.dataset.ready = 'true';\r\n\r\n      const CONFIG = {\r\n        rates: {\r\n          bolsillo: 0.09,\r\n          cuenta: 0.001,\r\n          vault90: 0.10,\r\n          vault180: 0.105,\r\n          vault360: 0.108,\r\n          early: 0.001\r\n        },\r\n        vaultMinimum: 500000,\r\n        taxRate: 0.04,\r\n        uvt2026: 52374,\r\n        savingsDailyThresholdUVT: 0.055,\r\n        logoUrl: 'https:\/\/inversionesguru.com\/co\/wp-content\/uploads\/sites\/3\/2026\/08\/inversionesguru_logo.png',\r\n        siteUrl: 'https:\/\/inversionesguru.com\/co\/',\r\n        pdfFile: 'simulador-rappipay-rendimientos-2026.pdf'\r\n      };\r\n      CONFIG.savingsDailyThreshold = CONFIG.uvt2026 * CONFIG.savingsDailyThresholdUVT;\r\n\r\n      const $ = (sel) => root.querySelector(sel);\r\n      const $$ = (sel) => Array.from(root.querySelectorAll(sel));\r\n      const moneyFmt = new Intl.NumberFormat('es-CO',{style:'currency',currency:'COP',minimumFractionDigits:2,maximumFractionDigits:2});\r\n      const money0Fmt = new Intl.NumberFormat('es-CO',{style:'currency',currency:'COP',minimumFractionDigits:0,maximumFractionDigits:0});\r\n      const numberFmt = new Intl.NumberFormat('es-CO',{maximumFractionDigits:0});\r\n      const dateFmt = new Intl.DateTimeFormat('es-CO',{year:'numeric',month:'short',day:'2-digit'});\r\n      const monthFmt = new Intl.DateTimeFormat('es-CO',{year:'numeric',month:'long'});\r\n      const pct = (value, digits=2) => (Number(value||0)*100).toLocaleString('es-CO',{minimumFractionDigits:digits,maximumFractionDigits:digits}) + '%';\r\n      const money = (value) => moneyFmt.format(Number(value)||0);\r\n      const money0 = (value) => money0Fmt.format(Math.round(Number(value)||0));\r\n      const round2 = (value) => Math.round((Number(value)||0)*100)\/100;\r\n\r\n      const els = {\r\n        form: $('#ig-rappi-form'), amount: $('#ig-rappi-amount'),\r\n        tabFlex: $('#ig-rappi-tab-flex'), tabVault: $('#ig-rappi-tab-vault'),\r\n        flexPanel: $('#ig-rappi-flex-panel'), vaultPanel: $('#ig-rappi-vault-panel'),\r\n        start: $('#ig-rappi-start'), months: $('#ig-rappi-months'), contribution: $('#ig-rappi-contribution'), contributionDay: $('#ig-rappi-contribution-day'),\r\n        vaultStart: $('#ig-rappi-vault-start'), early: $('#ig-rappi-early'), heldDays: $('#ig-rappi-held-days'),\r\n        tax: $('#ig-rappi-tax'), reset: $('#ig-rappi-reset'), msg: $('#ig-rappi-msg'), results: $('#ig-rappi-results'),\r\n        mainTitle: $('#ig-rappi-main-title'), mainValue: $('#ig-rappi-main-value'), mainCopy: $('#ig-rappi-main-copy'),\r\n        finalOut: $('#ig-rappi-final-out'), rateOut: $('#ig-rappi-rate-out'), creditedOut: $('#ig-rappi-credited-out'), pendingOut: $('#ig-rappi-pending-out'),\r\n        capitalOut: $('#ig-rappi-capital-out'), grossOut: $('#ig-rappi-gross-out'), taxOut: $('#ig-rappi-tax-out'), taxNote: $('#ig-rappi-tax-note'),\r\n        periodOut: $('#ig-rappi-period-out'), productOut: $('#ig-rappi-product-out'), chart: $('#ig-rappi-chart'),\r\n        storyTitle: $('#ig-rappi-story-title'), storyCopy: $('#ig-rappi-story-copy'), meter: $('#ig-rappi-meter'), meterCopy: $('#ig-rappi-meter-copy'), explanation: $('#ig-rappi-explanation'),\r\n        monthlyDetail: $('#ig-rappi-monthly-detail'), monthlyHead: $('#ig-rappi-monthly-head'), monthlyBody: $('#ig-rappi-monthly-body'),\r\n        dailyDetail: $('#ig-rappi-daily-detail'), dailyHead: $('#ig-rappi-daily-head'), dailyBody: $('#ig-rappi-daily-body'), showAll: $('#ig-rappi-show-all'),\r\n        pdf: $('#ig-rappi-pdf'), pdfStatus: $('#ig-rappi-pdf-status')\r\n      };\r\n\r\n      const state = { mode:'flex', lastReport:null, dailyRendered:false };\r\n\r\n      function todayYMD(){\r\n        const d = new Date();\r\n        return d.getFullYear()+'-'+String(d.getMonth()+1).padStart(2,'0')+'-'+String(d.getDate()).padStart(2,'0');\r\n      }\r\n      function parseYMD(value){\r\n        if(!value) return null;\r\n        const p = String(value).split('-').map(Number);\r\n        if(p.length!==3 || !p.every(Number.isFinite)) return null;\r\n        return new Date(p[0],p[1]-1,p[2],12,0,0,0);\r\n      }\r\n      function ymd(date){return date.getFullYear()+'-'+String(date.getMonth()+1).padStart(2,'0')+'-'+String(date.getDate()).padStart(2,'0');}\r\n      function addDays(date, days){const d=new Date(date);d.setDate(d.getDate()+days);return d;}\r\n      function addMonthsClamped(date, months){\r\n        const d=new Date(date); const originalDay=d.getDate();\r\n        d.setDate(1); d.setMonth(d.getMonth()+months);\r\n        const last=new Date(d.getFullYear(),d.getMonth()+1,0,12).getDate();\r\n        d.setDate(Math.min(originalDay,last)); return d;\r\n      }\r\n      function isLastDayOfMonth(date){return addDays(date,1).getMonth()!==date.getMonth();}\r\n      function monthKey(date){return date.getFullYear()+'-'+String(date.getMonth()+1).padStart(2,'0');}\r\n      function parseMoney(value){const digits=String(value||'').replace(\/[^0-9]\/g,'');return digits?Number(digits):0;}\r\n      function formatMoneyInput(input){const n=parseMoney(input.value);input.value=n?numberFmt.format(n):'';}\r\n      function dailyRate(ea){return Math.pow(1+ea,1\/365)-1;}\r\n      function daysBetween(a,b){return Math.max(0,Math.round((b-a)\/86400000));}\r\n      function showMsg(text){els.msg.textContent=text;els.msg.classList.add('is-visible');}\r\n      function hideMsg(){els.msg.textContent='';els.msg.classList.remove('is-visible');}\r\n      function hideResults(){els.results.classList.remove('is-visible');state.lastReport=null;state.dailyRendered=false;els.dailyBody.innerHTML='';els.showAll.style.display='none';}\r\n      function selectedFlex(){const el=root.querySelector('input[name=\"ig-rappi-flex-rate\"]:checked');return el?el.value:'bolsillo';}\r\n      function selectedVault(){return root.querySelector('input[name=\"ig-rappi-vault-term\"]:checked');}\r\n      function setMode(mode){\r\n        state.mode=mode;const flex=mode==='flex';\r\n        els.tabFlex.setAttribute('aria-pressed',String(flex));els.tabVault.setAttribute('aria-pressed',String(!flex));\r\n        els.flexPanel.classList.toggle('is-hidden',!flex);els.vaultPanel.classList.toggle('is-hidden',flex);\r\n        updateHeldMax();hideResults();hideMsg();\r\n      }\r\n      function updateHeldMax(){\r\n        const s=selectedVault();const term=s?Number(s.value):90;const enabled=els.early.checked;\r\n        els.heldDays.disabled=!enabled;els.heldDays.max=String(Math.max(1,term-1));\r\n        if(enabled){let d=Number(els.heldDays.value||1);d=Math.max(1,Math.min(d,term-1));els.heldDays.value=String(d);}\r\n      }\r\n      function reset(){\r\n        els.amount.value='';els.start.value=todayYMD();els.months.value='12';els.contribution.value='';els.contributionDay.value='15';\r\n        els.vaultStart.value=todayYMD();els.early.checked=false;els.heldDays.value='30';els.tax.checked=false;\r\n        root.querySelector('input[name=\"ig-rappi-flex-rate\"][value=\"bolsillo\"]').checked=true;\r\n        root.querySelector('input[name=\"ig-rappi-vault-term\"][value=\"90\"]').checked=true;\r\n        setMode('flex');hideResults();hideMsg();\r\n      }\r\n      function validate(amount){\r\n        if(!Number.isFinite(amount)||amount<=0){showMsg('Ingresa un monto inicial v\u00e1lido mayor a $0.');return false;}\r\n        if(state.mode==='flex'){\r\n          const months=Number(els.months.value);if(!Number.isInteger(months)||months<1||months>120){showMsg('El plazo debe estar entre 1 y 120 meses.');return false;}\r\n          if(!parseYMD(els.start.value)){showMsg('Selecciona una fecha inicial v\u00e1lida.');return false;}\r\n        }else{\r\n          if(amount<CONFIG.vaultMinimum){showMsg('RappiPay publica actualmente un monto m\u00ednimo de $500.000 para crear una B\u00f3veda.');return false;}\r\n          if(!parseYMD(els.vaultStart.value)){showMsg('Selecciona una fecha inicial v\u00e1lida para la B\u00f3veda.');return false;}\r\n          if(els.early.checked){const term=Number(selectedVault().value);const held=Number(els.heldDays.value);if(!Number.isInteger(held)||held<1||held>=term){showMsg('En retiro anticipado, los d\u00edas reales deben ser mayores a 0 y menores al plazo contratado.');return false;}}\r\n        }\r\n        hideMsg();return true;\r\n      }\r\n\r\n      function shouldContribute(date, amount){\r\n        if(amount<=0) return false;\r\n        const pref=els.contributionDay.value;\r\n        return pref==='last'?isLastDayOfMonth(date):date.getDate()===Number(pref);\r\n      }\r\n\r\n      function flexTaxForDay(gross){\r\n        if(!els.tax.checked) return 0;\r\n        return gross>=CONFIG.savingsDailyThreshold ? gross*CONFIG.taxRate : 0;\r\n      }\r\n\r\n      function simulateFlex(amount){\r\n        const location=selectedFlex();\r\n        const rate=location==='bolsillo'?CONFIG.rates.bolsillo:CONFIG.rates.cuenta;\r\n        const dRate=dailyRate(rate);\r\n        const start=parseYMD(els.start.value);\r\n        const months=Number(els.months.value);\r\n        const endExclusive=addMonthsClamped(start,months);\r\n        const contribution=parseMoney(els.contribution.value);\r\n        const totalDays=daysBetween(start,endExclusive);\r\n        let balance=amount;\r\n        let totalContributions=0,totalGross=0,totalTax=0,totalCreditedGross=0,totalCreditedTax=0,totalCreditedNet=0;\r\n        let monthGross=0,monthTax=0,monthContrib=0,monthOpening=balance;\r\n        const monthly=[],daily=[],points=[{label:'Inicio',value:balance}];\r\n        let currentKey=monthKey(start);\r\n\r\n        for(let i=0;i<totalDays;i++){\r\n          const date=addDays(start,i);\r\n          const key=monthKey(date);\r\n          if(key!==currentKey){currentKey=key;monthOpening=balance;monthGross=0;monthTax=0;monthContrib=0;}\r\n\r\n          const opening=balance;\r\n          let aporte=0;\r\n          if(shouldContribute(date,contribution)){\r\n            aporte=contribution;balance+=aporte;totalContributions+=aporte;monthContrib+=aporte;\r\n          }\r\n          const closeBeforeInterest=balance;\r\n          const gross=closeBeforeInterest*dRate;\r\n          const tax=flexTaxForDay(gross);\r\n          const net=gross-tax;\r\n          monthGross+=gross;monthTax+=tax;totalGross+=gross;totalTax+=tax;\r\n          const monthEnd=isLastDayOfMonth(date);\r\n          let credited=0;\r\n          if(monthEnd){\r\n            credited=round2(monthGross-monthTax);\r\n            balance=round2(balance+credited);\r\n            totalCreditedGross+=monthGross;totalCreditedTax+=monthTax;totalCreditedNet+=credited;\r\n            monthly.push({month:monthFmt.format(date),opening:monthOpening,contrib:monthContrib,gross:monthGross,tax:monthTax,net:monthGross-monthTax,credited:true,closing:balance});\r\n            points.push({label:String(monthly.length),value:balance});\r\n            monthGross=0;monthTax=0;monthContrib=0;monthOpening=balance;\r\n          }\r\n          daily.push({day:i+1,date:ymd(date),opening,contrib:aporte,closeBase:closeBeforeInterest,gross,tax,net,credited});\r\n        }\r\n\r\n        const lastDate=addDays(endExclusive,-1);\r\n        const hasPending=Math.abs(monthGross)>0.000001||Math.abs(monthContrib)>0.000001;\r\n        if(hasPending){\r\n          monthly.push({month:monthFmt.format(lastDate)+' \u00b7 parcial',opening:monthOpening,contrib:monthContrib,gross:monthGross,tax:monthTax,net:monthGross-monthTax,credited:false,closing:balance});\r\n        }\r\n        const pendingGross=monthGross,pendingTax=monthTax,pendingNet=monthGross-monthTax;\r\n        const generatedNet=totalGross-totalTax;\r\n        const capital=amount+totalContributions;\r\n        const finalEconomic=balance+pendingNet;\r\n        if(!points.length||points[points.length-1].value!==finalEconomic) points.push({label:'Final',value:finalEconomic});\r\n        const product=location==='bolsillo'?'Saldo en Bolsillos':'Saldo fuera de Bolsillos';\r\n        return {\r\n          type:'flex',product,rate,capital,initial:amount,contributions:totalContributions,gross:totalGross,tax:totalTax,net:generatedNet,\r\n          creditedNet:totalCreditedNet,pendingNet,finalCredited:balance,final:finalEconomic,days:totalDays,months,monthly,daily,points,\r\n          taxDays:daily.filter(r=>r.tax>0).length,\r\n          period:totalDays+' d\u00edas \u00b7 '+months+(months===1?' mes':' meses'),\r\n          taxText:els.tax.checked?'4% estimado solo en d\u00edas con inter\u00e9s \u2265 '+money(CONFIG.savingsDailyThreshold):'No estimada',\r\n          inputs:[['Monto inicial',money(amount)],['Ubicaci\u00f3n',product],['Fecha inicial',ymd(start)],['Plazo',months+(months===1?' mes':' meses')],['Aporte mensual',contribution?money(contribution):'Sin aporte'],['D\u00eda del aporte',contribution?(els.contributionDay.value==='last'?'\u00daltimo d\u00eda del mes':'D\u00eda '+els.contributionDay.value):'No aplica'],['Retenci\u00f3n',els.tax.checked?'Estimaci\u00f3n activada':'No estimada']]\r\n        };\r\n      }\r\n\r\n      function simulateVault(amount){\r\n        const selected=selectedVault();\r\n        const term=Number(selected.value);const fullRate=Number(selected.dataset.rate);const early=els.early.checked;\r\n        const days=early?Number(els.heldDays.value):term;const rate=early?CONFIG.rates.early:fullRate;\r\n        const start=parseYMD(els.vaultStart.value);const end=addDays(start,days);\r\n        const gross=amount*(Math.pow(1+rate,days\/365)-1);\r\n        const tax=els.tax.checked?gross*CONFIG.taxRate:0;const net=gross-tax;const final=amount+net;\r\n        const steps=Math.min(8,Math.max(2,Math.ceil(days\/45)));const points=[];\r\n        for(let i=0;i<=steps;i++){const d=Math.round(days*i\/steps);const g=amount*(Math.pow(1+rate,d\/365)-1);const t=els.tax.checked?g*CONFIG.taxRate:0;points.push({label:String(d),value:amount+g-t});}\r\n        const product=early?'B\u00f3veda con retiro anticipado':'B\u00f3veda a '+term+' d\u00edas';\r\n        return {\r\n          type:'vault',product,rate,capital:amount,initial:amount,contributions:0,gross,tax,net,creditedNet:net,pendingNet:0,finalCredited:final,final,days,term,points,\r\n          period:days+(days===1?' d\u00eda':' d\u00edas'),taxDays:null,\r\n          taxText:els.tax.checked?'4% general estimado sobre el inter\u00e9s liquidado':'No estimada',\r\n          monthly:[],daily:[],\r\n          inputs:[['Monto inicial',money(amount)],['Producto',product],['Plazo elegido',term+' d\u00edas'],['D\u00edas calculados',String(days)],['Fecha inicial',ymd(start)],['Fecha estimada de salida',ymd(end)],['Retenci\u00f3n',els.tax.checked?'Estimaci\u00f3n activada':'No estimada']]\r\n        };\r\n      }\r\n\r\n      function drawChart(points){\r\n        if(!points||points.length<2){els.chart.innerHTML='';return;}\r\n        const vals=points.map(p=>Number(p.value)||0);const min=Math.min(...vals),max=Math.max(...vals),range=max-min||1,w=100,h=62,pad=range*.12;\r\n        const line=vals.map((v,i)=>{const x=i\/(vals.length-1)*w;const y=h-((v-min+pad)\/(range+pad*2)*h);return(i?'L ':'M ')+x.toFixed(2)+','+y.toFixed(2);}).join(' ');\r\n        const area=line+' L '+w+','+h+' L 0,'+h+' Z';\r\n        els.chart.innerHTML='<svg viewBox=\"0 0 100 62\" preserveAspectRatio=\"none\" aria-hidden=\"true\"><defs><linearGradient id=\"ig-rappi-v2-grad\" x1=\"0\" x2=\"0\" y1=\"0\" y2=\"1\"><stop offset=\"0%\" stop-color=\"#0f9f7a\" stop-opacity=\".28\"><\/stop><stop offset=\"100%\" stop-color=\"#0f9f7a\" stop-opacity=\"0\"><\/stop><\/linearGradient><\/defs><path d=\"'+area+'\" fill=\"url(#ig-rappi-v2-grad)\"><\/path><path class=\"ig-chart-line\" d=\"'+line+'\" fill=\"none\" stroke=\"#0f9f7a\" stroke-width=\"2.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>';\r\n      }\r\n\r\n      function renderMonthly(report){\r\n        if(report.type==='vault'){\r\n          els.monthlyHead.innerHTML='<tr><th>Escenario<\/th><th>D\u00edas<\/th><th>Tasa<\/th><th>Inter\u00e9s bruto<\/th><th>Retenci\u00f3n<\/th><th>Ganancia neta<\/th><th>Monto final<\/th><\/tr>';\r\n          els.monthlyBody.innerHTML='<tr><td>'+report.product+'<\/td><td>'+report.days+'<\/td><td>'+pct(report.rate)+'<\/td><td class=\"ig-money\">'+money(report.gross)+'<\/td><td class=\"ig-ret\">'+money(report.tax)+'<\/td><td class=\"ig-positive\">'+money(report.net)+'<\/td><td class=\"ig-money\">'+money(report.final)+'<\/td><\/tr>';\r\n          return;\r\n        }\r\n        els.monthlyHead.innerHTML='<tr><th>Mes<\/th><th>Saldo inicial<\/th><th>Aportes<\/th><th>Inter\u00e9s bruto<\/th><th>Retenci\u00f3n<\/th><th>Inter\u00e9s neto<\/th><th>Estado<\/th><th>Saldo abonado<\/th><\/tr>';\r\n        els.monthlyBody.innerHTML=report.monthly.map(r=>'<tr><td>'+r.month+'<\/td><td class=\"ig-money\">'+money(r.opening)+'<\/td><td class=\"ig-money\">'+money(r.contrib)+'<\/td><td class=\"ig-money\">'+money(r.gross)+'<\/td><td class=\"ig-ret\">'+money(r.tax)+'<\/td><td class=\"ig-positive\">'+money(r.net)+'<\/td><td>'+(r.credited?'Abonado':'Pendiente')+'<\/td><td class=\"ig-money\">'+money(r.closing)+'<\/td><\/tr>').join('');\r\n      }\r\n\r\n      function renderDaily(report,all){\r\n        if(report.type==='vault'){\r\n          els.dailyHead.innerHTML='<tr><th>Producto<\/th><th>D\u00edas<\/th><th>Tasa<\/th><th>Inter\u00e9s bruto<\/th><th>Retenci\u00f3n<\/th><th>Ganancia neta<\/th><\/tr>';\r\n          els.dailyBody.innerHTML='<tr><td>'+report.product+'<\/td><td>'+report.days+'<\/td><td>'+pct(report.rate)+'<\/td><td class=\"ig-money\">'+money(report.gross)+'<\/td><td class=\"ig-ret\">'+money(report.tax)+'<\/td><td class=\"ig-positive\">'+money(report.net)+'<\/td><\/tr>';\r\n          els.showAll.style.display='none';return;\r\n        }\r\n        const rows=all?report.daily:report.daily.slice(0,90);\r\n        els.dailyHead.innerHTML='<tr><th>D\u00eda<\/th><th>Fecha<\/th><th>Saldo inicial<\/th><th>Aporte<\/th><th>Saldo al corte<\/th><th>Inter\u00e9s bruto<\/th><th>Retenci\u00f3n<\/th><th>Inter\u00e9s neto<\/th><th>Abono al cierre<\/th><\/tr>';\r\n        els.dailyBody.innerHTML=rows.map(r=>'<tr><td>'+r.day+'<\/td><td>'+r.date+'<\/td><td class=\"ig-money\">'+money(r.opening)+'<\/td><td class=\"ig-money\">'+money(r.contrib)+'<\/td><td class=\"ig-money\">'+money(r.closeBase)+'<\/td><td class=\"ig-money\">'+money(r.gross)+'<\/td><td class=\"ig-ret\">'+money(r.tax)+'<\/td><td class=\"ig-positive\">'+money(r.net)+'<\/td><td class=\"ig-positive\">'+money(r.credited)+'<\/td><\/tr>').join('');\r\n        els.showAll.style.display=report.daily.length>90&&!all?'inline-flex':'none';\r\n      }\r\n\r\n      function renderExplanation(report){\r\n        if(report.type==='vault'){\r\n          els.explanation.innerHTML='<p style=\"color:var(--ig-muted);font-size:12px;line-height:1.65\">La B\u00f3veda se proyect\u00f3 con una tasa de <strong style=\"color:var(--ig-ink)\">'+pct(report.rate)+' E.A.<\/strong> durante <strong style=\"color:var(--ig-ink)\">'+report.days+' d\u00edas<\/strong>. Los intereses se muestran como pagados al terminar el escenario. '+(report.product.includes('anticipado')?'Como simulaste una salida antes del vencimiento, se us\u00f3 la tasa publicada de retiro anticipado.':'Se mantuvo la tasa correspondiente al plazo elegido.')+' '+(els.tax.checked?'La retenci\u00f3n es una estimaci\u00f3n general del 4% sobre el inter\u00e9s liquidado; RappiPay aplica la que legalmente corresponda.':'No se descont\u00f3 retenci\u00f3n en la estimaci\u00f3n.')+'<\/p>';\r\n        }else{\r\n          els.explanation.innerHTML='<p style=\"color:var(--ig-muted);font-size:12px;line-height:1.65\">El simulador calcul\u00f3 cada d\u00eda con la tasa equivalente diaria de <strong style=\"color:var(--ig-ink)\">'+pct(report.rate)+' E.A.<\/strong> sobre el saldo al cierre. Los rendimientos de meses completos se agregaron al saldo al finalizar cada mes. '+(report.pendingNet>0?'Al terminar el periodo quedaron <strong style=\"color:var(--ig-coral-dark)\">'+money(report.pendingNet)+'<\/strong> generados en el \u00faltimo mes parcial, mostrados como pendientes de abono.':'El periodo termin\u00f3 sin rendimiento pendiente de un mes parcial.')+' '+(els.tax.checked?'La estimaci\u00f3n tributaria aplic\u00f3 4% \u00fanicamente en los '+report.taxDays+' d\u00eda(s) cuyo inter\u00e9s bruto alcanz\u00f3 '+money(CONFIG.savingsDailyThreshold)+' (0,055 UVT en 2026).':'No se estim\u00f3 retenci\u00f3n en la fuente.')+'<\/p>';\r\n        }\r\n      }\r\n\r\n      function render(report){\r\n        els.mainTitle.textContent=report.type==='vault'?(report.product.includes('anticipado')?'Ganancia neta estimada al retirar':'Ganancia neta estimada al vencimiento'):'Ganancia neta estimada generada';\r\n        els.mainValue.textContent=money(report.net);\r\n        els.mainCopy.textContent='Con '+money0(report.capital)+' aportados, el escenario proyecta '+money(report.net)+' de ganancia neta estimada. '+(report.pendingNet>0?money(report.pendingNet)+' todav\u00eda quedar\u00edan pendientes de abono al finalizar el periodo.':'El resultado no deja rendimientos pendientes al cierre del periodo simulado.');\r\n        els.finalOut.textContent=money(report.final);els.rateOut.textContent=pct(report.rate)+' E.A.';els.creditedOut.textContent=money(report.creditedNet);els.pendingOut.textContent=money(report.pendingNet);\r\n        els.capitalOut.textContent=money(report.capital);els.grossOut.textContent=money(report.gross);els.taxOut.textContent=money(report.tax);els.taxNote.textContent=report.taxText;els.periodOut.textContent=report.period;els.productOut.textContent=report.product;\r\n        els.storyTitle.textContent=report.product;els.storyCopy.textContent=report.type==='flex'?'La curva incluye aportes y los abonos mensuales del rendimiento. El \u00faltimo tramo puede incluir inter\u00e9s todav\u00eda pendiente.':'La curva representa la proyecci\u00f3n del capital hasta el vencimiento o la fecha de retiro anticipado.';\r\n        const growth=report.capital?report.net\/report.capital*100:0;els.meter.style.setProperty('--ig-progress',Math.max(0,Math.min(100,growth*8)).toFixed(2)+'%');els.meterCopy.textContent='Ganancia neta estimada equivalente a '+growth.toLocaleString('es-CO',{minimumFractionDigits:2,maximumFractionDigits:2})+'% del capital aportado en este escenario.';\r\n        drawChart(report.points);renderMonthly(report);renderExplanation(report);state.dailyRendered=false;els.dailyBody.innerHTML='';els.showAll.style.display='none';\r\n        state.lastReport=report;els.results.classList.add('is-visible');\r\n        setTimeout(()=>els.results.scrollIntoView({behavior:'smooth',block:'start'}),70);\r\n      }\r\n\r\n      function calculate(){\r\n        const amount=parseMoney(els.amount.value);if(!validate(amount)){hideResults();return;}\r\n        const report=state.mode==='flex'?simulateFlex(amount):simulateVault(amount);render(report);\r\n      }\r\n\r\n      function ensureJsPdf(){\r\n        if(window.jspdf&&window.jspdf.jsPDF)return Promise.resolve(window.jspdf.jsPDF);\r\n        return new Promise((resolve,reject)=>{const old=document.querySelector('script[data-ig-rappi-jspdf=\"1\"]');if(old){old.addEventListener('load',()=>resolve(window.jspdf.jsPDF),{once:true});old.addEventListener('error',reject,{once:true});return;}const s=document.createElement('script');s.src='https:\/\/cdn.jsdelivr.net\/npm\/jspdf@2.5.1\/dist\/jspdf.umd.min.js';s.async=true;s.dataset.igRappiJspdf='1';s.onload=()=>resolve(window.jspdf.jsPDF);s.onerror=reject;document.head.appendChild(s);});\r\n      }\r\n      function loadLogoData(){\r\n        return fetch(CONFIG.logoUrl,{cache:'force-cache'}).then(r=>{if(!r.ok)throw new Error('logo');return r.blob();}).then(blob=>new Promise((resolve,reject)=>{const fr=new FileReader();fr.onload=()=>resolve(fr.result);fr.onerror=reject;fr.readAsDataURL(blob);}));\r\n      }\r\n      function clean(v){return String(v==null?'':v).replace(\/\\s+\/g,' ').trim();}\r\n      function exportPdf(jsPDF,report,logoData){\r\n        const doc=new jsPDF({unit:'mm',format:'a4'});const m=17,w=176;let y=0;\r\n        function header(){\r\n          if(logoData){try{doc.addImage(logoData,'PNG',m,11,35,14);}catch(e){logoData=null;}}\r\n          if(!logoData){doc.setFillColor(15,159,122);doc.roundedRect(m,11,13,13,2,2,'F');doc.setTextColor(255,255,255);doc.setFont('helvetica','bold');doc.setFontSize(8);doc.text('IG',m+4,19);}\r\n          doc.setDrawColor(219,229,225);doc.line(m,29,210-m,29);y=37;\r\n        }\r\n        function next(n){if(y+n<=278)return;doc.addPage();header();}\r\n        function split(v,max){return doc.splitTextToSize(clean(v),max);}\r\n        function section(title){next(13);doc.setFillColor(255,240,234);doc.roundedRect(m,y,w,8,2,2,'F');doc.setTextColor(202,80,53);doc.setFont('helvetica','bold');doc.setFontSize(9.5);doc.text(title,m+3,y+5.3);y+=12;}\r\n        function kv(rows){rows.forEach(r=>{next(8);const a=split(r[0],66),b=split(r[1],100),lines=Math.max(a.length,b.length);doc.setTextColor(95,113,107);doc.setFont('helvetica','normal');doc.setFontSize(8.3);doc.text(a,m,y);doc.setTextColor(23,51,47);doc.setFont('helvetica','bold');doc.text(b,m+70,y);y+=lines*4.1+1.8;doc.setDrawColor(233,239,237);doc.line(m,y-1,210-m,y-1);});y+=3;}\r\n        function simpleTable(head,rows,title){section(title);const cols=head.length,cw=w\/cols;function row(cells,isHead){const texts=cells.map(c=>split(c,cw-2));const lines=Math.max(...texts.map(t=>t.length));const rh=Math.max(6,lines*3+2);next(rh+1);doc.setFillColor(isHead?23:248,isHead?51:251,isHead?47:249);doc.rect(m,y-3.4,w,rh,'F');doc.setTextColor(isHead?255:36,isHead?255:68,isHead?255:62);doc.setFont('helvetica',isHead?'bold':'normal');doc.setFontSize(isHead?6.2:6.1);texts.forEach((t,i)=>doc.text(t,m+i*cw+1,y));y+=rh;}row(head,true);rows.forEach(r=>row(r,false));}\r\n        header();\r\n        doc.setTextColor(23,51,47);doc.setFont('helvetica','bold');doc.setFontSize(18);doc.text(split('Simulaci\u00f3n de rendimientos RappiPay',w),m,y);y+=10;\r\n        doc.setTextColor(95,113,107);doc.setFont('helvetica','normal');doc.setFontSize(8.5);doc.text('Reporte generado el '+new Date().toLocaleString('es-CO'),m,y);y+=8;\r\n        section('Resultado principal');kv([['Ganancia neta estimada',money(report.net)],['Saldo econ\u00f3mico proyectado',money(report.final)],['Tasa aplicada',pct(report.rate)+' E.A.'],['Producto',report.product],['Periodo',report.period],['Rendimiento bruto',money(report.gross)],['Retenci\u00f3n estimada',money(report.tax)],['Ya abonado',money(report.creditedNet)],['Pendiente de abono',money(report.pendingNet)]]);\r\n        section('Datos ingresados');kv(report.inputs);\r\n        if(report.type==='flex'){\r\n          const rows=report.monthly.slice(0,40).map(r=>[r.month,money0(r.contrib),money0(r.gross),money0(r.tax),money0(r.net),r.credited?'Abonado':'Pendiente']);\r\n          simpleTable(['Mes','Aportes','Bruto','Ret.','Neto','Estado'],rows,'Detalle mensual');\r\n          if(report.monthly.length>40){next(7);doc.setTextColor(95,113,107);doc.setFontSize(7.5);doc.text('El PDF muestra los primeros 40 periodos. Consulta el detalle completo en el simulador.',m,y+2);y+=7;}\r\n        }\r\n        section('Metodolog\u00eda');doc.setTextColor(95,113,107);doc.setFont('helvetica','normal');doc.setFontSize(8.2);const method=report.type==='flex'?'Proyecci\u00f3n educativa con c\u00e1lculo diario sobre el saldo al cierre y abono de rendimientos al finalizar cada mes. El \u00faltimo mes parcial puede quedar como rendimiento pendiente.':'Proyecci\u00f3n educativa con la tasa E.A. publicada para el plazo seleccionado o, si se simula retiro anticipado, con la tasa publicada para cancelaci\u00f3n anticipada.';doc.text(split(method+' La retenci\u00f3n mostrada es \u00fanicamente una estimaci\u00f3n cuando el usuario activa esa opci\u00f3n.',w),m,y);\r\n        const pages=doc.getNumberOfPages();for(let p=1;p<=pages;p++){doc.setPage(p);doc.setDrawColor(219,229,225);doc.line(m,286,210-m,286);doc.setTextColor(95,113,107);doc.setFontSize(7);doc.text(CONFIG.siteUrl+' | Reporte informativo',m,291);doc.text('P\u00e1gina '+p+' de '+pages,210-m,291,{align:'right'});}doc.save(CONFIG.pdfFile);\r\n      }\r\n      function fallbackPrint(report){\r\n        const pop=window.open('','_blank');if(!pop)throw new Error('popup');const esc=v=>clean(v).replace(\/[&<>\"']\/g,c=>({'&':'&amp;','<':'&lt;','>':'&gt;','\"':'&quot;',\"'\":'&#039;'}[c]));\r\n        pop.document.write('<!doctype html><html><head><meta charset=\"utf-8\"><title>Simulaci\u00f3n RappiPay<\/title><style>body{font-family:Arial,sans-serif;color:#17332f;padding:34px}img{max-width:210px;height:auto}h1{font-size:24px}table{width:100%;border-collapse:collapse;margin-top:20px}th,td{border-bottom:1px solid #d9e5e1;padding:9px;text-align:left;font-size:13px}th{width:45%}.note{margin-top:20px;color:#5f716b;font-size:12px}<\/style><\/head><body><img decoding=\"async\" src=\"'+CONFIG.logoUrl+'\" alt=\"InversionesGuru\"><h1>Simulaci\u00f3n de rendimientos RappiPay<\/h1><table><tr><th>Producto<\/th><td>'+esc(report.product)+'<\/td><\/tr><tr><th>Ganancia neta estimada<\/th><td>'+esc(money(report.net))+'<\/td><\/tr><tr><th>Saldo proyectado<\/th><td>'+esc(money(report.final))+'<\/td><\/tr><tr><th>Tasa<\/th><td>'+esc(pct(report.rate))+' E.A.<\/td><\/tr><tr><th>Periodo<\/th><td>'+esc(report.period)+'<\/td><\/tr><tr><th>Retenci\u00f3n estimada<\/th><td>'+esc(money(report.tax))+'<\/td><\/tr><\/table><p class=\"note\">Reporte educativo. Verifica tasas y condiciones vigentes directamente con RappiPay.<\/p><\/body><\/html>');pop.document.close();pop.focus();setTimeout(()=>pop.print(),250);\r\n      }\r\n\r\n      els.form.addEventListener('submit',e=>{e.preventDefault();calculate();});\r\n      els.reset.addEventListener('click',reset);\r\n      els.tabFlex.addEventListener('click',()=>setMode('flex'));\r\n      els.tabVault.addEventListener('click',()=>setMode('vault'));\r\n      els.early.addEventListener('change',()=>{updateHeldMax();hideResults();});\r\n      els.heldDays.addEventListener('input',()=>{updateHeldMax();hideResults();});\r\n      [els.months,els.start,els.vaultStart,els.tax,els.contributionDay].forEach(el=>el.addEventListener('change',hideResults));\r\n      $$('.ig-option input').forEach(el=>el.addEventListener('change',()=>{updateHeldMax();hideResults();}));\r\n      [els.amount,els.contribution].forEach(el=>{el.addEventListener('input',()=>{formatMoneyInput(el);hideResults();hideMsg();});el.addEventListener('blur',()=>formatMoneyInput(el));});\r\n      els.dailyDetail.addEventListener('toggle',()=>{if(els.dailyDetail.open&&state.lastReport&&!state.dailyRendered){renderDaily(state.lastReport,false);state.dailyRendered=true;}});\r\n      els.showAll.addEventListener('click',()=>{if(state.lastReport){renderDaily(state.lastReport,true);state.dailyRendered=true;}});\r\n      els.pdf.addEventListener('click',async()=>{\r\n        if(!state.lastReport)return;const old=els.pdf.textContent;els.pdf.disabled=true;els.pdf.textContent='Generando PDF...';els.pdfStatus.textContent='Preparando tu reporte.';\r\n        try{const jsPDF=await ensureJsPdf();let logo=null;try{logo=await loadLogoData();}catch(e){}exportPdf(jsPDF,state.lastReport,logo);els.pdfStatus.textContent='Reporte PDF generado correctamente.';}\r\n        catch(err){try{fallbackPrint(state.lastReport);els.pdfStatus.textContent='Se abri\u00f3 la vista de impresi\u00f3n. Elige Guardar como PDF.';}catch(e){els.pdfStatus.textContent='No fue posible generar el PDF. Revisa permisos de descarga o ventanas emergentes.';}}\r\n        finally{els.pdf.disabled=false;els.pdf.textContent=old;}\r\n      });\r\n\r\n      els.start.value=todayYMD();els.vaultStart.value=todayYMD();updateHeldMax();\r\n    })();\r\n  <\/script>\r\n<\/section>\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-c849a0c e-flex e-con-boxed e-con e-parent\" data-id=\"c849a0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a757e6c elementor-widget elementor-widget-heading\" data-id=\"a757e6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Calculadora de Rendimientos RappiPay: Estima tus Ganancias<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bdea6e elementor-widget elementor-widget-text-editor\" data-id=\"1bdea6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><span class=\"selected\">Calcula f\u00e1cilmente los posibles <\/span><strong><span class=\"selected\">rendimientos de tu Cuenta RappiPay<\/span><\/strong><span class=\"selected\"> (o Dep\u00f3sito de Bajo Monto) y <\/span><strong><span class=\"selected\">B\u00f3vedas de Ahorro RappiPay<\/span><\/strong><span class=\"selected\"> con nuestra herramienta interactiva. Descubre una estimaci\u00f3n de cu\u00e1nto podr\u00eda crecer tu dinero.<\/span><\/span><\/p><h3><span class=\"selected\" style=\"color: #000000;\"><b>\u00bfC\u00f3mo Funciona esta Calculadora RappiPay?<\/b><\/span><\/h3><p><span class=\"selected\" style=\"color: #000000;\">Esta calculadora proyecta tus posibles ganancias utilizando:<\/span><\/p><ul><li><p><span class=\"selected\" style=\"color: #000000;\">La informaci\u00f3n que ingresas: monto, tipo de producto RappiPay y condiciones espec\u00edficas (transacciones, plazo).<\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><span class=\"selected\">Las <\/span><strong><span class=\"selected\">tasas de inter\u00e9s Efectivas Anuales (E.A.)<\/span><\/strong><span class=\"selected\"> indicadas para cada producto. <\/span><em><span class=\"selected\">Recuerda que la tasa E.A. representa el inter\u00e9s ganado en un a\u00f1o, considerando la reinversi\u00f3n de los intereses.<\/span><\/em><\/span><\/p><\/li><\/ul><p><span class=\"selected\" style=\"color: #000000;\">La herramienta realiza dos tipos de c\u00e1lculo:<\/span><\/p><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Para Dep\u00f3sito\/Cuenta RappiPay:<\/span><\/strong><span class=\"selected\"> Simula el crecimiento mes a mes. Calcula el inter\u00e9s bruto mensual y estima la <\/span><strong><span class=\"selected\">Retenci\u00f3n en la Fuente (ReteFuente)<\/span><\/strong><span class=\"selected\"> del 7% que aplicar\u00eda si ese inter\u00e9s mensual supera el umbral DIAN (estimado en ~$82.170 mensuales). Te muestra el inter\u00e9s neto y el saldo acumulado cada mes.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Para B\u00f3vedas RappiPay:<\/span><\/strong><span class=\"selected\"> Calcula el <\/span><strong><span class=\"selected\">rendimiento total<\/span><\/strong><span class=\"selected\"> y el monto final que obtendr\u00edas al concluir el plazo seleccionado (90, 180 o 360 d\u00edas).<\/span><\/span><\/p><\/li><\/ul><h3><span class=\"selected\" style=\"color: #000000;\"><b>Pasos para Usar la Calculadora de Rendimientos<\/b><\/span><\/h3><p><span class=\"selected\" style=\"color: #000000;\">Sigue estos sencillos pasos:<\/span><\/p><ol><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Monto a Invertir (COP):<\/span><\/strong><span class=\"selected\"> Ingresa la cantidad en pesos colombianos que deseas simular.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Tipo de Producto RappiPay:<\/span><\/strong><span class=\"selected\"> Selecciona &#8220;Dep\u00f3sito de Bajo Monto \/ Cuenta&#8221; o &#8220;B\u00f3veda de Ahorro&#8221;.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Si elegiste &#8220;Dep\u00f3sito de Bajo Monto \/ Cuenta&#8221;:<\/span><\/strong><\/span><\/p><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">N\u00famero de Meses:<\/span><\/strong><span class=\"selected\"> Define por cu\u00e1ntos meses quieres ver la proyecci\u00f3n (m\u00ednimo 1).<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Transacciones:<\/span><\/strong><span class=\"selected\"> Indica si cumples la condici\u00f3n de &#8220;4 o m\u00e1s&#8221; transacciones (pago\/transferencia\/retiro) en los \u00faltimos 30 d\u00edas para acceder a la tasa de inter\u00e9s promocional (9% E.A.), o &#8220;Menos de 4&#8221; para la tasa base (1% E.A.).<\/span><\/span><\/p><\/li><\/ul><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Si elegiste &#8220;B\u00f3veda de Ahorro&#8221;:<\/span><\/strong><\/span><\/p><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Plazo B\u00f3veda:<\/span><\/strong><span class=\"selected\"> Elige entre 90 d\u00edas (9.5% E.A.), 180 d\u00edas (10% E.A.) o 360 d\u00edas (10.6% E.A.).<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Retiro Anticipado:<\/span><\/strong><span class=\"selected\"> Marca esta opci\u00f3n <\/span><em><span class=\"selected\">solo<\/span><\/em><span class=\"selected\"> si piensas retirar el dinero antes del plazo. Ten en cuenta que esto reduce significativamente la tasa de inter\u00e9s (a 0.1% E.A.).<\/span><\/span><\/p><\/li><\/ul><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Calcular:<\/span><\/strong><span class=\"selected\"> Presiona el bot\u00f3n &#8220;Calcular Rendimiento&#8221;.<\/span><\/span><\/p><\/li><\/ol><h3><span class=\"selected\" style=\"color: #000000;\"><b>Entendiendo los Resultados del C\u00e1lculo<\/b><\/span><\/h3><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Resultados para Dep\u00f3sito\/Cuenta RappiPay:<\/span><\/strong><span class=\"selected\"> Se mostrar\u00e1 una tabla detallada mes a mes:<\/span><\/span><\/p><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Mes:<\/span><\/strong><span class=\"selected\"> N\u00famero del mes simulado.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Inter\u00e9s Bruto (Mes):<\/span><\/strong><span class=\"selected\"> Ganancia mensual <\/span><em><span class=\"selected\">antes<\/span><\/em><span class=\"selected\"> de ReteFuente.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">ReteFuente (Mes):<\/span><\/strong><span class=\"selected\"> Retenci\u00f3n estimada (7%) si el inter\u00e9s bruto mensual supera ~$82.170. De lo contrario, ser\u00e1 $0.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Inter\u00e9s Neto (Mes):<\/span><\/strong><span class=\"selected\"> Inter\u00e9s real sumado a tu saldo ese mes (Inter\u00e9s Bruto &#8211; ReteFuente).<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Monto Acumulado:<\/span><\/strong><span class=\"selected\"> Saldo total al final de cada mes.<\/span><\/span><\/p><\/li><\/ul><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Resultados para B\u00f3veda RappiPay:<\/span><\/strong><span class=\"selected\"> Ver\u00e1s un resumen claro:<\/span><\/span><\/p><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Tasa efectiva anual aplicada:<\/span><\/strong><span class=\"selected\"> La tasa E.A. utilizada seg\u00fan el plazo y si marcaste retiro anticipado.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Rendimiento estimado (Periodo):<\/span><\/strong><span class=\"selected\"> Ganancia total estimada al finalizar el plazo completo.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Monto final estimado (Periodo):<\/span><\/strong><span class=\"selected\"> Saldo total proyectado al final del plazo.<\/span><\/span><\/p><\/li><\/ul><\/li><\/ul><h3><span class=\"selected\" style=\"color: #000000;\"><b>Ejemplos de C\u00e1lculo de Rendimiento<\/b><\/span><\/h3><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Ejemplo 1 (Cuenta RappiPay con Intereses Altos):<\/span><\/strong><\/span><\/p><ul><li><p><span class=\"selected\" style=\"color: #000000;\">Monto: $2.000.000<\/span><\/p><\/li><li><p><span class=\"selected\" style=\"color: #000000;\">Producto: Dep\u00f3sito de Bajo Monto \/ Cuenta<\/span><\/p><\/li><li><p><span class=\"selected\" style=\"color: #000000;\">Meses: 6<\/span><\/p><\/li><li><p><span class=\"selected\" style=\"color: #000000;\">Transacciones: 4 o m\u00e1s (para obtener el 9% E.A.)<\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><em><span class=\"selected\">Resultado Esperado:<\/span><\/em><span class=\"selected\"> Una tabla con 6 filas. Observar\u00e1s el crecimiento mensual aplicando el 9% E.A. Podr\u00edas ver valores en &#8220;ReteFuente (Mes)&#8221; si el inter\u00e9s bruto mensual supera el umbral.<\/span><\/span><\/p><\/li><\/ul><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Ejemplo 2 (B\u00f3veda RappiPay a 180 d\u00edas):<\/span><\/strong><\/span><\/p><ul><li><p><span class=\"selected\" style=\"color: #000000;\">Monto: $500.000<\/span><\/p><\/li><li><p><span class=\"selected\" style=\"color: #000000;\">Producto: B\u00f3veda de Ahorro<\/span><\/p><\/li><li><p><span class=\"selected\" style=\"color: #000000;\">Plazo: 180 d\u00edas<\/span><\/p><\/li><li><p><span class=\"selected\" style=\"color: #000000;\">Retiro Anticipado: No marcado<\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><em><span class=\"selected\">Resultado Esperado:<\/span><\/em><span class=\"selected\"> Un resumen mostrando: Tasa aplicada: 10.0% E.A., Rendimiento estimado: ~$24.178, Monto final estimado: ~$524.178.<\/span><\/span><\/p><\/li><\/ul><\/li><\/ul><h3><span class=\"selected\" style=\"color: #000000;\"><b>\u00a1Importante! Consideraciones Clave<\/b><\/span><\/h3><ul><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Estimaciones:<\/span><\/strong><span class=\"selected\"> Los resultados son <\/span><strong><span class=\"selected\">c\u00e1lculos aproximados<\/span><\/strong><span class=\"selected\">. Las <\/span><strong><span class=\"selected\">tasas de inter\u00e9s RappiPay<\/span><\/strong><span class=\"selected\"> pueden cambiar sin previo aviso.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Retenci\u00f3n en la Fuente:<\/span><\/strong><span class=\"selected\"> El c\u00e1lculo de ReteFuente usa un umbral estimado. Consulta siempre la <\/span><strong><span class=\"selected\">normativa DIAN vigente<\/span><\/strong><span class=\"selected\"> para informaci\u00f3n fiscal precisa.<\/span><\/span><\/p><\/li><li><p><span style=\"color: #000000;\"><strong><span class=\"selected\">Informativo:<\/span><\/strong><span class=\"selected\"> Esta calculadora es una herramienta <\/span><strong><span class=\"selected\">solo para fines informativos<\/span><\/strong><span class=\"selected\"> y no representa una garant\u00eda de rendimiento.<\/span><\/span><\/p><\/li><\/ul><p><span style=\"color: #000000;\"><span class=\"selected\">\u00a1Esperamos que esta calculadora te ayude a planificar tus ahorros y entender mejor los <\/span><strong><span class=\"selected\">rendimientos potenciales en RappiPay<\/span><\/strong><span class=\"selected\">!<\/span><\/span><\/p>\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>RappiPay \u00b7 Colombia Tasas revisadas 10\/08\/2026 RappiCuenta \u00b7 Bolsillos \u00b7 B\u00f3vedas Calcula cu\u00e1nto puede rendir tu dinero en RappiPay. Descubre cu\u00e1nto podr\u00eda generar tu dinero si lo dejas disponible, lo separas en Bolsillos o lo llevas a una B\u00f3veda. Primero ver\u00e1s la ganancia estimada y despu\u00e9s, si quieres, podr\u00e1s revisar el detalle del c\u00e1lculo. 9%Rendimiento&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4017,"template":"elementor_header_footer","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-5905","herramientas","type-herramientas","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5905","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":22,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5905\/revisions"}],"predecessor-version":[{"id":8833,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5905\/revisions\/8833"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media\/4017"}],"wp:attachment":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media?parent=5905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}