{"id":5911,"date":"2024-09-15T19:56:03","date_gmt":"2024-09-16T00:56:03","guid":{"rendered":"https:\/\/inversionesguru.com\/co\/?post_type=herramientas&#038;p=5911"},"modified":"2026-02-19T14:47:17","modified_gmt":"2026-02-19T19:47:17","slug":"simulador-cuenta-de-ahorros-lulobank-colombia","status":"publish","type":"herramientas","link":"https:\/\/inversionesguru.com\/co\/herramientas\/simulador-cuenta-de-ahorros-lulobank-colombia\/","title":{"rendered":"Simulador Cuenta de Ahorros LuloBank Colombia | Febrero 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5911\" class=\"elementor elementor-5911\" data-elementor-post-type=\"herramientas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05cc642 e-flex e-con-boxed e-con e-parent\" data-id=\"05cc642\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdddd2d elementor-widget elementor-widget-html\" data-id=\"bdddd2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\n<style>\n    \/* === SISTEMA DE DISE\u00d1O ENCAPSULADO (Basado en Calculadora Ual\u00e1) === *\/\n    #lulo-calc-wrapper {\n        \/* Variables de Tema - Adaptadas a Teal *\/\n        --brand-primary: #0D9488 !important;       \/* Teal 600 *\/\n        --brand-primary-hover: #0F766E !important; \/* Teal 700 *\/\n        --brand-primary-light: #f0fdfa !important; \/* Teal 50 *\/\n        --brand-accent-green: #16a34a !important;  \/* Green 600 *\/\n        --brand-accent-amber: #d97706 !important;  \/* Amber 600 *\/\n        --brand-text-main: #1e293b !important;     \/* Slate 800 *\/\n        --brand-text-muted: #64748b !important;    \/* Slate 500 *\/\n        --brand-bg-main: #f8fafc !important;       \/* Slate 50 *\/\n        --brand-bg-card: #ffffff !important;\n        --brand-border-soft: #e2e8f0 !important;   \/* Slate 200 *\/\n        --brand-border-focus: #5eead4 !important;  \/* Teal 300 *\/\n    }\n\n    #lulo-calc-wrapper,\n    #lulo-calc-wrapper * {\n        all: revert;\n        margin: 0;\n        padding: 0;\n        box-sizing: border-box;\n    }\n\n    #lulo-calc-wrapper {\n        font-family: 'Inter', sans-serif !important;\n        background-color: var(--brand-bg-main) !important;\n        color: var(--brand-text-main) !important;\n        line-height: 1.5 !important;\n        padding: 2rem !important;\n        min-height: 100vh !important;\n        display: block !important;\n        width: 100% !important;\n    }\n\n    \/* Contenedores Principales *\/\n    #lulo-calc-wrapper .calc-container {\n        max-width: 64rem !important;\n        margin: 0 auto !important;\n        display: block !important;\n    }\n\n    #lulo-calc-wrapper .calc-card {\n        background-color: var(--brand-bg-card) !important;\n        border-radius: 1.25rem !important;\n        border: 1px solid var(--brand-border-soft) !important;\n        box-shadow: 0 10px 15px -3px rgb(0 0 0 \/ 0.05), 0 4px 6px -4px rgb(0 0 0 \/ 0.05) !important;\n        padding: 1.5rem !important;\n        margin-bottom: 2rem !important;\n    }\n    @media (min-width: 768px) {\n        #lulo-calc-wrapper .calc-card {\n            padding: 2.5rem !important;\n        }\n    }\n\n    \/* Header *\/\n    #lulo-calc-wrapper header {\n        text-align: center !important;\n        margin-bottom: 2rem !important;\n        padding-bottom: 2rem !important;\n        border-bottom: 1px solid var(--brand-border-soft) !important;\n    }\n\n    #lulo-calc-wrapper header h1 {\n        font-size: 1.875rem !important;\n        font-weight: 800 !important;\n        color: var(--brand-text-main) !important;\n        letter-spacing: -0.025em !important;\n        line-height: 1.2 !important;\n        margin: 0 !important;\n    }\n\n    #lulo-calc-wrapper header p {\n        font-size: 0.875rem !important;\n        color: var(--brand-text-muted) !important;\n        margin: 0.5rem 0 0 0 !important;\n        line-height: 1.5 !important;\n    }\n\n    \/* Tipograf\u00eda *\/\n    #lulo-calc-wrapper h2 {\n        font-size: 1.5rem !important;\n        font-weight: 700 !important;\n        color: var(--brand-text-main) !important;\n        text-align: center !important;\n        margin-bottom: 1.5rem !important;\n        line-height: 1.2 !important;\n    }\n\n    #lulo-calc-wrapper h3 {\n        font-size: 1rem !important;\n        font-weight: 700 !important;\n        color: var(--brand-text-main) !important;\n        margin-bottom: 1rem !important;\n        display: flex !important;\n        align-items: center !important;\n        gap: 0.5rem !important;\n    }\n\n    \/* Inputs y Controles *\/\n    #lulo-calc-wrapper .calc-label {\n        display: block !important;\n        font-size: 0.875rem !important;\n        font-weight: 600 !important;\n        color: var(--brand-text-main) !important;\n        margin-bottom: 0.5rem !important;\n    }\n\n    #lulo-calc-wrapper .calc-input,\n    #lulo-calc-wrapper .calc-select {\n        width: 100% !important;\n        border: 1px solid var(--brand-border-soft) !important;\n        border-radius: 0.75rem !important;\n        padding: 0.75rem 1rem !important;\n        font-size: 1rem !important;\n        transition: all 0.2s !important;\n        background: var(--brand-bg-main) !important;\n        color: var(--brand-text-main) !important;\n        font-family: 'Inter', sans-serif !important;\n    }\n\n    #lulo-calc-wrapper .calc-input:focus,\n    #lulo-calc-wrapper .calc-select:focus {\n        outline: none !important;\n        border-color: var(--brand-border-focus) !important;\n        box-shadow: 0 0 0 3px var(--brand-primary-light) !important;\n        background: white !important;\n    }\n\n    \/* Ayuda *\/\n    #lulo-calc-wrapper .calc-help {\n        font-size: 0.75rem !important;\n        color: var(--brand-text-muted) !important;\n        line-height: 1.4 !important;\n    }\n\n    \/* Pill Buttons (Tabs) *\/\n    #lulo-calc-wrapper .calc-pill {\n        display: flex !important;\n        gap: 0.75rem !important;\n        flex-wrap: wrap !important;\n    }\n\n    #lulo-calc-wrapper .calc-pill button {\n        flex: 1 !important;\n        min-width: 140px !important;\n        padding: 0.75rem 1rem !important;\n        border: 1px solid var(--brand-border-soft) !important;\n        border-radius: 0.75rem !important;\n        background: var(--brand-bg-card) !important;\n        color: var(--brand-text-main) !important;\n        font-size: 0.875rem !important;\n        font-weight: 600 !important;\n        cursor: pointer !important;\n        transition: all 0.2s !important;\n        font-family: 'Inter', sans-serif !important;\n    }\n\n    #lulo-calc-wrapper .calc-pill button:hover {\n        border-color: var(--brand-primary) !important;\n        background: var(--brand-primary-light) !important;\n    }\n\n    #lulo-calc-wrapper .calc-pill button.active {\n        background: linear-gradient(135deg, var(--brand-primary), var(--brand-primary-hover)) !important;\n        color: #FFFFFF !important;\n        border-color: var(--brand-primary-hover) !important;\n        box-shadow: 0 4px 12px rgba(13, 148, 136, 0.3) !important;\n    }\n\n    \/* Botones *\/\n    #lulo-calc-wrapper .calc-btn {\n        background: linear-gradient(135deg, var(--brand-primary), var(--brand-primary-hover)) !important;\n        color: #FFFFFF !important;\n        border: none !important;\n        padding: 0.875rem 1.5rem !important;\n        border-radius: 0.75rem !important;\n        font-size: 0.875rem !important;\n        font-weight: 700 !important;\n        cursor: pointer !important;\n        display: flex !important;\n        align-items: center !important;\n        justify-content: center !important;\n        gap: 0.5rem !important;\n        transition: all 0.2s !important;\n        box-shadow: 0 4px 12px rgba(13, 148, 136, 0.3) !important;\n        font-family: 'Inter', sans-serif !important;\n        width: 100% !important;\n    }\n\n    #lulo-calc-wrapper .calc-btn:hover {\n        transform: translateY(-2px) !important;\n        box-shadow: 0 6px 20px rgba(13, 148, 136, 0.4) !important;\n    }\n\n    #lulo-calc-wrapper .calc-btn.ghost {\n        background: transparent !important;\n        color: var(--brand-text-muted) !important;\n        border: 2px solid var(--brand-border-soft) !important;\n        box-shadow: none !important;\n    }\n\n    #lulo-calc-wrapper .calc-btn.ghost:hover {\n        border-color: var(--brand-primary) !important;\n        background: var(--brand-primary-light) !important;\n        color: var(--brand-primary) !important;\n    }\n\n    \/* KPI Cards *\/\n    #lulo-calc-wrapper .kpi-card {\n        background-color: var(--brand-bg-main) !important;\n        border: 1px solid var(--brand-border-soft) !important;\n        border-radius: 1rem !important;\n        padding: 1.25rem !important;\n        display: flex !important;\n        flex-direction: column !important;\n        gap: 0.5rem !important;\n        text-align: center !important;\n    }\n\n    #lulo-calc-wrapper .kpi-label {\n        font-size: 0.75rem !important;\n        font-weight: 600 !important;\n        text-transform: uppercase !important;\n        letter-spacing: 0.05em !important;\n        color: var(--brand-text-muted) !important;\n        display: flex !important;\n        align-items: center !important;\n        justify-content: center !important;\n        gap: 0.5rem !important;\n    }\n\n    #lulo-calc-wrapper .kpi-val {\n        font-size: 1.5rem !important;\n        font-weight: 800 !important;\n        color: var(--brand-text-main) !important;\n        line-height: 1.2 !important;\n    }\n\n    \/* KPI Variants *\/\n    #lulo-calc-wrapper .kpi-card.gains {\n        border-left: 4px solid var(--brand-accent-green) !important;\n    }\n\n    #lulo-calc-wrapper .kpi-card.deductions {\n        border-left: 4px solid var(--brand-accent-amber) !important;\n    }\n\n    #lulo-calc-wrapper .kpi-card.final {\n        background: linear-gradient(135deg, var(--brand-primary), var(--brand-primary-hover)) !important;\n        border-color: var(--brand-primary-hover) !important;\n        color: white !important;\n    }\n\n    #lulo-calc-wrapper .kpi-card.final .kpi-label,\n    #lulo-calc-wrapper .kpi-card.final .kpi-val {\n        color: #FFFFFF !important;\n    }\n\n    \/* Tablas *\/\n    #lulo-calc-wrapper .overflow-x-auto {\n        overflow-x: auto !important;\n        border-radius: 1rem !important;\n        border: 1px solid var(--brand-border-soft) !important;\n        margin-top: 1rem !important;\n    }\n\n    #lulo-calc-wrapper .calc-table {\n        width: 100% !important;\n        border-collapse: collapse !important;\n        font-size: 0.875rem !important;\n        background: var(--brand-bg-card) !important;\n    }\n\n    #lulo-calc-wrapper .calc-table thead {\n        background: linear-gradient(135deg, var(--brand-primary), var(--brand-primary-hover)) !important;\n        color: #FFFFFF !important;\n    }\n\n    #lulo-calc-wrapper .calc-table th {\n        padding: 0.75rem 1rem !important;\n        text-align: left !important;\n        font-weight: 600 !important;\n        font-size: 0.75rem !important;\n        text-transform: uppercase !important;\n        letter-spacing: 0.05em !important;\n        border: none !important;\n    }\n\n    #lulo-calc-wrapper .calc-table tbody tr {\n        border-bottom: 1px solid var(--brand-border-soft) !important;\n    }\n\n    #lulo-calc-wrapper .calc-table tbody tr:hover {\n        background: var(--brand-bg-main) !important;\n    }\n\n    #lulo-calc-wrapper .calc-table td {\n        padding: 0.75rem 1rem !important;\n        color: var(--brand-text-main) !important;\n        border: none !important;\n    }\n\n    \/* Badge *\/\n    #lulo-calc-wrapper .calc-badge {\n        display: inline-block !important;\n        background: rgba(255, 255, 255, 0.3) !important;\n        color: #FFFFFF !important;\n        padding: 0.25rem 0.5rem !important;\n        border-radius: 0.375rem !important;\n        font-size: 0.625rem !important;\n        font-weight: 600 !important;\n        margin-left: 0.25rem !important;\n    }\n\n    \/* Utilities *\/\n    #lulo-calc-wrapper .text-center { text-align: center !important; }\n    #lulo-calc-wrapper .text-sm { font-size: 0.875rem !important; }\n    #lulo-calc-wrapper .text-xs { font-size: 0.75rem !important; }\n    #lulo-calc-wrapper .hidden { display: none !important; }\n    #lulo-calc-wrapper .font-semibold { font-weight: 600 !important; }\n    #lulo-calc-wrapper .text-red-700 { color: #B91C1C !important; }\n    #lulo-calc-wrapper .text-emerald-700 { color: var(--brand-accent-green) !important; }\n\n    \/* Spacing *\/\n    #lulo-calc-wrapper .mt-1 { margin-top: 0.25rem !important; }\n    #lulo-calc-wrapper .mt-2 { margin-top: 0.5rem !important; }\n    #lulo-calc-wrapper .mt-4 { margin-top: 1rem !important; }\n    #lulo-calc-wrapper .mt-6 { margin-top: 1.5rem !important; }\n    #lulo-calc-wrapper .mt-8 { margin-top: 2rem !important; }\n    #lulo-calc-wrapper .mb-2 { margin-bottom: 0.5rem !important; }\n    #lulo-calc-wrapper .mb-4 { margin-bottom: 1rem !important; }\n    #lulo-calc-wrapper .mb-6 { margin-bottom: 1.5rem !important; }\n    #lulo-calc-wrapper .pb-6 { padding-bottom: 1.5rem !important; }\n    #lulo-calc-wrapper .pt-6 { padding-top: 1.5rem !important; }\n    #lulo-calc-wrapper .p-4 { padding: 1rem !important; }\n\n    \/* Flexbox *\/\n    #lulo-calc-wrapper .flex { display: flex !important; }\n    #lulo-calc-wrapper .flex-col { flex-direction: column !important; }\n    #lulo-calc-wrapper .items-center { align-items: center !important; }\n    #lulo-calc-wrapper .items-end { align-items: flex-end !important; }\n    #lulo-calc-wrapper .gap-3 { gap: 0.75rem !important; }\n    #lulo-calc-wrapper .gap-4 { gap: 1rem !important; }\n    #lulo-calc-wrapper .gap-6 { gap: 1.5rem !important; }\n    #lulo-calc-wrapper .w-full { width: 100% !important; }\n\n    \/* Grid *\/\n    #lulo-calc-wrapper .grid { display: grid !important; gap: 1rem !important; }\n    #lulo-calc-wrapper .grid-cols-1 { grid-template-columns: 1fr !important; }\n    #lulo-calc-wrapper .border-b { border-bottom: 1px solid var(--brand-border-soft) !important; }\n    #lulo-calc-wrapper .border-t { border-top: 1px solid var(--brand-border-soft) !important; }\n    #lulo-calc-wrapper .bg-slate-50 { background: var(--brand-bg-main) !important; }\n    #lulo-calc-wrapper .rounded-lg { border-radius: 0.75rem !important; }\n\n    \/* Error Box *\/\n    #lulo-calc-wrapper .bg-red-50 {\n        background: #fee2e2 !important;\n    }\n\n    #lulo-calc-wrapper .border-red-200 {\n        border: 1px solid #fecaca !important;\n    }\n\n    \/* Footer *\/\n    #lulo-calc-wrapper footer {\n        text-align: center !important;\n        padding: 2rem !important;\n        color: var(--brand-text-muted) !important;\n        font-size: 0.75rem !important;\n        margin-top: 2rem !important;\n        border-top: 1px solid var(--brand-border-soft) !important;\n    }\n\n    #lulo-calc-wrapper footer strong {\n        color: var(--brand-primary) !important;\n    }\n\n    \/* Responsive *\/\n    @media (min-width: 640px) {\n        #lulo-calc-wrapper .sm\\:grid-cols-2 { grid-template-columns: repeat(2, 1fr) !important; }\n        #lulo-calc-wrapper .sm\\:grid-cols-3 { grid-template-columns: repeat(3, 1fr) !important; }\n        #lulo-calc-wrapper .sm\\:flex-row { flex-direction: row !important; }\n    }\n\n    @media (min-width: 768px) {\n        #lulo-calc-wrapper .md\\:grid-cols-2 { grid-template-columns: repeat(2, 1fr) !important; }\n    }\n\n    @media (min-width: 1024px) {\n        #lulo-calc-wrapper .lg\\:grid-cols-4 { grid-template-columns: repeat(4, 1fr) !important; }\n    }\n\n    @media (max-width: 768px) {\n        #lulo-calc-wrapper {\n            padding: 1rem !important;\n        }\n\n        #lulo-calc-wrapper .calc-card {\n            padding: 1.25rem !important;\n        }\n\n        #lulo-calc-wrapper .calc-pill button {\n            min-width: 100px !important;\n        }\n\n        #lulo-calc-wrapper header h1 {\n            font-size: 1.5rem !important;\n        }\n\n        #lulo-calc-wrapper .calc-btn {\n            padding: 0.75rem 1rem !important;\n        }\n    }\n\n    @media (max-width: 480px) {\n        #lulo-calc-wrapper {\n            padding: 0.5rem !important;\n        }\n\n        #lulo-calc-wrapper .calc-card {\n            padding: 1rem !important;\n        }\n\n        #lulo-calc-wrapper header h1 {\n            font-size: 1.25rem !important;\n        }\n\n        #lulo-calc-wrapper header p {\n            font-size: 0.75rem !important;\n        }\n\n        #lulo-calc-wrapper .calc-pill {\n            flex-direction: column !important;\n        }\n\n        #lulo-calc-wrapper .calc-pill button {\n            min-width: unset !important;\n        }\n    }\n<\/style>\n\n<div id=\"lulo-calc-wrapper\">\n  <div id=\"lulo-calc-app\">\n    <div class=\"calc-container\">\n      <div class=\"calc-card\">\n        <header class=\"border-b pb-6 mb-6\">\n          <h1>\ud83d\udcb0 Calculadora Lulo Bank<\/h1>\n          <p class=\"mt-2\">Simula tus ganancias en Lulo Bank de forma clara y profesional.<\/p>\n        <\/header>\n\n        <div class=\"grid grid-cols-1 sm:grid-cols-2 gap-6 mb-6\">\n          <div>\n            <label class=\"calc-label block mb-2\">1. Elige tu perfil<\/label>\n            <div class=\"calc-pill\">\n              <button type=\"button\" id=\"btnPerfilLulo\" class=\"active\">Soy Lulo<\/button>\n              <button type=\"button\" id=\"btnPerfilPro\">Lulo Pro<\/button>\n            <\/div>\n          <\/div>\n          <div>\n            <label class=\"calc-label block mb-2\">2. Elige el producto<\/label>\n            <div class=\"calc-pill\">\n              <button type=\"button\" id=\"tabFlex\" class=\"active\">Bolsillo Flex<\/button>\n              <button type=\"button\" id=\"tabProg\">Bolsillo Programado<\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <main>\n          <!-- FLEX -->\n          <section id=\"panelFlex\">\n            <div class=\"grid grid-cols-1 sm:grid-cols-3 gap-4 border-t pt-6\">\n              <div>\n                <label class=\"calc-label\" for=\"montoFlex\">Monto a invertir (COP)<\/label>\n                <input id=\"montoFlex\" type=\"text\" inputmode=\"numeric\" class=\"calc-input mt-1\" placeholder=\"Ej: 1,000,000\">\n                <p class=\"calc-help mt-1\">En Flex puedes retirar cuando quieras; la tasa puede variar por condiciones de mercado.<\/p>\n              <\/div>\n              <div>\n                <label class=\"calc-label\" for=\"mesesFlex\">Plazo (meses)<\/label>\n                <input id=\"mesesFlex\" type=\"number\" min=\"1\" max=\"60\" value=\"12\" class=\"calc-input mt-1\">\n                <p class=\"calc-help mt-1\">Simulaci\u00f3n con capitalizaci\u00f3n mensual del inter\u00e9s neto.<\/p>\n              <\/div>\n              <div class=\"flex items-end\">\n                <button id=\"btnCalcFlex\" class=\"calc-btn w-full\">\n                  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5v14M5 12h14\"><\/path><\/svg>\n                  Calcular Flex\n                <\/button>\n              <\/div>\n            <\/div>\n          <\/section>\n\n          <!-- PROGRAMADO -->\n          <section id=\"panelProg\" class=\"hidden\">\n            <div class=\"grid grid-cols-1 sm:grid-cols-3 gap-4 border-t pt-6\">\n              <div>\n                <label class=\"calc-label\" for=\"montoProg\">Monto (COP)<\/label>\n                <input id=\"montoProg\" type=\"text\" inputmode=\"numeric\" class=\"calc-input mt-1\" placeholder=\"Ej: 1,000,000\">\n                <p class=\"calc-help mt-1\">En Programado la tasa es fija por el plazo (60 o 90 d\u00edas).<\/p>\n              <\/div>\n              <div>\n                <label class=\"calc-label\" for=\"diasProg\">Plazo a cumplir<\/label>\n                <select id=\"diasProg\" class=\"calc-select mt-1\">\n                  <option value=\"60\">60 d\u00edas<\/option>\n                  <option value=\"90\">90 d\u00edas<\/option>\n                <\/select>\n                <p class=\"calc-help mt-1\">No puedes recargar despu\u00e9s de crearlo, pero puedes retirar cuando quieras.<\/p>\n              <\/div>\n              <div class=\"flex items-end\">\n                <button id=\"btnCalcProg\" class=\"calc-btn w-full\">\n                  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5v14M5 12h14\"><\/path><\/svg>\n                  Calcular Programado\n                <\/button>\n              <\/div>\n            <\/div>\n\n            <div class=\"mt-4 border-t pt-4\">\n              <label class=\"calc-label block mb-2\">\u00bfSimular retiro anticipado?<\/label>\n              <div class=\"calc-pill\">\n                <button type=\"button\" id=\"btnNoAnt\" class=\"active\">No, cumplo el plazo<\/button>\n                <button type=\"button\" id=\"btnSiAnt\">S\u00ed, retiro antes<\/button>\n              <\/div>\n              <div id=\"wrapAnt\" class=\"mt-4 hidden\">\n                <label class=\"calc-label\" for=\"diaRet\">\u00bfEn qu\u00e9 d\u00eda retiras?<\/label>\n                <input id=\"diaRet\" type=\"number\" min=\"1\" max=\"59\" value=\"30\" class=\"calc-input mt-1\" style=\"max-width: 320px;\">\n                <p class=\"calc-help mt-1\">Si retiras antes de vencer el plazo, se aplica la tasa de rentabilidad de tu <strong>Lulo cuenta<\/strong> (no la tasa especial del Programado).<\/p>\n              <\/div>\n            <\/div>\n          <\/section>\n        <\/main>\n      <\/div>\n\n      <!-- RESULTADOS -->\n      <div id=\"resultsWrapper\" class=\"hidden mt-8\">\n        <h2>\ud83d\udcca Resultados de tu Simulaci\u00f3n<\/h2>\n\n        <!-- FLEX -->\n        <div id=\"wrapResFlex\" class=\"hidden\">\n          <div class=\"grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-4 gap-4\">\n            <div class=\"kpi-card\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"19\" y1=\"5\" x2=\"5\" y2=\"19\"><\/line><circle cx=\"6.5\" cy=\"6.5\" r=\"2.5\"><\/circle><circle cx=\"17.5\" cy=\"17.5\" r=\"2.5\"><\/circle><\/svg>\n                Tasa (E.A.)\n              <\/div>\n              <div id=\"kpiTasaFlex\" class=\"kpi-val\">\u2014<\/div>\n            <\/div>\n            <div class=\"kpi-card gains\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"1\"><\/circle><circle cx=\"12\" cy=\"6\" r=\"1\"><\/circle><circle cx=\"12\" cy=\"18\" r=\"1\"><\/circle><\/svg>\n                Rendimiento Bruto\n              <\/div>\n              <div id=\"kpiBrutoFlex\" class=\"kpi-val\">$0<\/div>\n            <\/div>\n            <div class=\"kpi-card deductions\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n                Retefuente\n              <\/div>\n              <div id=\"kpiReteFlex\" class=\"kpi-val\">$0<\/div>\n            <\/div>\n            <div class=\"kpi-card final\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 12V7H5a2 2 0 0 1 0-4h14v4\"><\/path><path d=\"M3 5v14a2 2 0 0 0 2 2h16v-5\"><\/path><path d=\"M18 12a2 2 0 0 0 0 4h4v-4h-4z\"><\/path><\/svg>\n                Monto Final\n              <\/div>\n              <div id=\"kpiFinalFlex\" class=\"kpi-val\">$0<\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"calc-card mt-6\">\n            <h3>\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"><\/rect><line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"><\/line><line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"><\/line><line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"><\/line><\/svg>\n              Detalle Mensual\n            <\/h3>\n            <div class=\"overflow-x-auto\">\n              <table class=\"calc-table\">\n                <thead><tr><th>Mes<\/th><th>Inter\u00e9s bruto<\/th><th>Retefuente<\/th><th>Inter\u00e9s neto<\/th><th>Saldo final<\/th><\/tr><\/thead>\n                <tbody id=\"tbodyFlex\"><\/tbody>\n              <\/table>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <!-- PROGRAMADO -->\n        <div id=\"wrapResProg\" class=\"hidden\">\n          <div class=\"grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-4 gap-4\">\n            <div class=\"kpi-card\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"19\" y1=\"5\" x2=\"5\" y2=\"19\"><\/line><circle cx=\"6.5\" cy=\"6.5\" r=\"2.5\"><\/circle><circle cx=\"17.5\" cy=\"17.5\" r=\"2.5\"><\/circle><\/svg>\n                Tasa (E.A.)\n              <\/div>\n              <div id=\"kpiTasaProg\" class=\"kpi-val\">\u2014<\/div>\n            <\/div>\n            <div class=\"kpi-card gains\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"1\"><\/circle><circle cx=\"12\" cy=\"6\" r=\"1\"><\/circle><circle cx=\"12\" cy=\"18\" r=\"1\"><\/circle><\/svg>\n                Rendimiento Bruto\n              <\/div>\n              <div id=\"kpiBrutoProg\" class=\"kpi-val\">$0<\/div>\n            <\/div>\n            <div class=\"kpi-card deductions\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n                Retefuente\n              <\/div>\n              <div id=\"kpiReteProg\" class=\"kpi-val\">$0<\/div>\n            <\/div>\n            <div class=\"kpi-card final\">\n              <div class=\"kpi-label\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 12V7H5a2 2 0 0 1 0-4h14v4\"><\/path><path d=\"M3 5v14a2 2 0 0 0 2 2h16v-5\"><\/path><path d=\"M18 12a2 2 0 0 0 0 4h4v-4h-4z\"><\/path><\/svg>\n                Monto Final\n              <\/div>\n              <div id=\"kpiFinalProg\" class=\"kpi-val\">$0<\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"calc-card mt-6\">\n            <h3>\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"><\/rect><line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"><\/line><line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"><\/line><line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"><\/line><\/svg>\n              Detalle del Plazo\n            <\/h3>\n            <div class=\"overflow-x-auto\">\n              <table class=\"calc-table\">\n                <thead><tr><th>Tramo<\/th><th>D\u00edas<\/th><th>Int. diario<\/th><th>Retefuente<\/th><th>Total<\/th><\/tr><\/thead>\n                <tbody id=\"tbodyProg\"><\/tbody>\n              <\/table>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- FOOTER \/ INFO -->\n      <div class=\"calc-card mt-6\">\n        <div class=\"grid grid-cols-1 md:grid-cols-2 gap-4\">\n          <div id=\"infoBox\" class=\"text-xs bg-slate-50 p-4 rounded-lg\"><\/div>\n          <div class=\"flex flex-col sm:flex-row gap-3 items-center\">\n            <button id=\"btnCompartir\" class=\"calc-btn ghost w-full\">Compartir simulaci\u00f3n<\/button>\n            <button id=\"btnLimpiar\" class=\"calc-btn ghost w-full\">Limpiar<\/button>\n            <span id=\"shareToast\" class=\"text-sm text-emerald-700 hidden\">\u00a1Enlace copiado!<\/span>\n          <\/div>\n        <\/div>\n        <div id=\"boxError\" class=\"hidden mt-4 text-sm font-semibold text-red-700 bg-red-50 border border-red-200 rounded-lg px-4 py-3\"><\/div>\n      <\/div>\n\n      <footer class=\"mt-8 text-center text-sm\">\n        Herramienta educativa \u2014 valida siempre las condiciones en <strong>Lulo Bank<\/strong>.\n      <\/footer>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function() {\n  \/\/ === CONFIG ACTUALIZADO (Feb 2026) ===\n  \/\/ Fuentes oficiales: Centro de ayuda \/ web Lulo (tasas y Lulo cuenta 0,10% E.A.).\n  const CONFIG = {\n    \/\/ Bolsillos Flex (E.A.)\n    flexEA: { lulo: 0.075, pro: 0.0925 },\n\n    \/\/ Bolsillos Programados (E.A.)\n    progEA: {\n      lulo: { 60: 0.085, 90: 0.09 },\n      pro:  { 60: 0.095, 90: 0.10 }\n    },\n\n    \/\/ Lulo cuenta (saldo en cuenta): 0,10% E.A.\n    \/\/ Importante: si retiras anticipadamente un Bolsillo Programado,\n    \/\/ se aplica la tasa de tu Lulo cuenta (no la tasa especial del Programado).\n    luloCuentaEA: 0.001,\n\n    \/\/ UVT 2026\n    UVT: 52374,\n\n    \/\/ Retefuente\n    RETE_UVT_DAILY: 0.055,\n    RETE_RATE: 0.07,\n\n    \/\/ Convenci\u00f3n para simulaci\u00f3n mensual\n    DAYS_PER_MONTH: 365 \/ 12\n  };\n\n  const RETE_UMBRAL_DIA = CONFIG.UVT * CONFIG.RETE_UVT_DAILY;\n\n  \/\/ Helpers\n  const $ = s => document.querySelector('#lulo-calc-wrapper ' + s);\n  const fmt = (v, decimals = 0) => new Intl.NumberFormat('es-CO', { style: 'currency', currency: 'COP', minimumFractionDigits: decimals, maximumFractionDigits: decimals }).format(v);\n  const fmtNum = (v, decimals = 0) => new Intl.NumberFormat('es-CO', { minimumFractionDigits: decimals, maximumFractionDigits: decimals }).format(v);\n  const parseMonto = str => { const d = (str || '').replace(\/[^\\d]\/g, ''); return d ? parseInt(d, 10) : NaN; };\n  const clamp = (n, min, max) => Math.max(min, Math.min(max, n));\n  const ea2ed = ea => Math.pow(1 + ea, 1 \/ 365) - 1;\n  const ea2emApprox = ea => Math.pow(1 + ea, 1 \/ 12) - 1; \/\/ por si quieres comparar\n  const formatMiles = n => String(n).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, ',');\n\n  \/\/ DOM\n  const tabFlex = $('#tabFlex'), tabProg = $('#tabProg');\n  const panelFlex = $('#panelFlex'), panelProg = $('#panelProg');\n  const btnPerfilLulo = $('#btnPerfilLulo'), btnPerfilPro = $('#btnPerfilPro');\n  const montoFlex = $('#montoFlex'), mesesFlex = $('#mesesFlex'), btnCalcFlex = $('#btnCalcFlex');\n  const montoProg = $('#montoProg'), diasProg = $('#diasProg'), btnCalcProg = $('#btnCalcProg');\n  const btnNoAnt = $('#btnNoAnt'), btnSiAnt = $('#btnSiAnt'), wrapAnt = $('#wrapAnt'), diaRet = $('#diaRet');\n  const resultsWrapper = $('#resultsWrapper'), wrapResFlex = $('#wrapResFlex'), wrapResProg = $('#wrapResProg');\n  const tbodyFlex = $('#tbodyFlex'), tbodyProg = $('#tbodyProg');\n  const boxError = $('#boxError'), btnCompartir = $('#btnCompartir'), btnLimpiar = $('#btnLimpiar'), shareToast = $('#shareToast');\n  const infoBox = $('#infoBox');\n\n  let perfil = 'lulo', anticipado = false;\n\n  \/\/ Input formato\n  [montoFlex, montoProg].forEach(el => {\n    el.addEventListener('input', e => {\n      const digits = e.target.value.replace(\/[^\\d]\/g, '');\n      e.target.value = digits ? digits.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, ',') : '';\n    });\n  });\n\n  function setTab(which) {\n    const isFlex = which === 'flex';\n    [tabFlex, tabProg].forEach(t => t.classList.toggle('active', t === (isFlex ? tabFlex : tabProg)));\n    panelFlex.classList.toggle('hidden', !isFlex);\n    panelProg.classList.toggle('hidden', isFlex);\n    hideError();\n  }\n  tabFlex.addEventListener('click', () => setTab('flex'));\n  tabProg.addEventListener('click', () => setTab('prog'));\n\n  function setPerfil(p) {\n    perfil = p;\n    btnPerfilLulo.classList.toggle('active', p === 'lulo');\n    btnPerfilPro.classList.toggle('active', p === 'pro');\n    hideError();\n  }\n  btnPerfilLulo.addEventListener('click', () => setPerfil('lulo'));\n  btnPerfilPro.addEventListener('click', () => setPerfil('pro'));\n\n  function setAnticipado(flag) {\n    anticipado = flag;\n    btnNoAnt.classList.toggle('active', !flag);\n    btnSiAnt.classList.toggle('active', flag);\n    wrapAnt.classList.toggle('hidden', !flag);\n    const max = (parseInt(diasProg.value, 10) === 60) ? 59 : 89;\n    diaRet.max = max;\n    diaRet.value = clamp(parseInt(diaRet.value || '1', 10), 1, max);\n    hideError();\n  }\n  btnNoAnt.addEventListener('click', () => setAnticipado(false));\n  btnSiAnt.addEventListener('click', () => setAnticipado(true));\n  diasProg.addEventListener('change', () => setAnticipado(anticipado));\n\n  function showResults(type) {\n    resultsWrapper.classList.remove('hidden');\n    wrapResFlex.classList.toggle('hidden', type !== 'flex');\n    wrapResProg.classList.toggle('hidden', type !== 'prog');\n    resultsWrapper.scrollIntoView({ behavior: 'smooth', block: 'start' });\n  }\n\n  function showError(msg) { boxError.textContent = msg; boxError.classList.remove('hidden'); }\n  function hideError() { boxError.classList.add('hidden'); boxError.textContent = ''; }\n\n  \/\/ === C\u00c1LCULOS ===\n  \/\/ Flex: simulaci\u00f3n mensual (capitaliza el inter\u00e9s neto cada mes)\n  \/\/ Ajuste: retenci\u00f3n se calcula como 7% del inter\u00e9s del mes, solo si el inter\u00e9s diario supera el umbral.\n  function calcFlex(monto, ea, meses) {\n    const ed = ea2ed(ea);\n    let saldo = monto, totalBruto = 0, totalRete = 0;\n    const rows = [];\n\n    for (let m = 1; m <= meses; m++) {\n      const diasMes = CONFIG.DAYS_PER_MONTH; \/\/ 30.4167 aprox\n      const interesBrutoMes = saldo * (Math.pow(1 + ed, diasMes) - 1);\n      const interesDia = saldo * ed;\n      const reteMes = (interesDia > RETE_UMBRAL_DIA) ? (interesBrutoMes * CONFIG.RETE_RATE) : 0;\n      const netoMes = interesBrutoMes - reteMes;\n\n      saldo += netoMes;\n      totalBruto += interesBrutoMes;\n      totalRete += reteMes;\n\n      rows.push({ mes: `Mes ${m}`, bruto: interesBrutoMes, rete: reteMes, neto: netoMes, saldo });\n    }\n\n    return { totalBruto, totalRete, saldo, rows };\n  }\n\n  \/\/ Programado: inter\u00e9s simple diario por el periodo (principal no cambia hasta el final)\n  \/\/ Si hay retiro anticipado: se aplica la tasa de la Lulo cuenta.\n  function calcProgramado(monto, eaProg, eaCuenta, dias, retiroDia) {\n    const edProg = ea2ed(eaProg);\n    const edCuenta = ea2ed(eaCuenta);\n\n    const esAnt = retiroDia > 0 && retiroDia < dias;\n    const dCalc = esAnt ? retiroDia : dias;\n    const ed = esAnt ? edCuenta : edProg;\n\n    const interesDia = monto * ed;\n    const brutoTotal = interesDia * dCalc;\n    const rete = (interesDia > RETE_UMBRAL_DIA) ? (brutoTotal * CONFIG.RETE_RATE) : 0;\n    const final = monto + (brutoTotal - rete);\n\n    const tramos = [];\n\n    const pushTramo = (label, d) => {\n      const total = interesDia * d;\n      const r = (interesDia > RETE_UMBRAL_DIA) ? (total * CONFIG.RETE_RATE) : 0;\n      tramos.push({ label, dias: d, intDia: interesDia, rete: r, total });\n    };\n\n    if (dCalc <= 30) {\n      pushTramo(`D\u00edas 1\u2013${dCalc}`, dCalc);\n    } else if (dCalc <= 60) {\n      pushTramo('D\u00edas 1\u201330', 30);\n      pushTramo(`D\u00edas 31\u2013${dCalc}`, dCalc - 30);\n    } else {\n      pushTramo('D\u00edas 1\u201330', 30);\n      pushTramo('D\u00edas 31\u201360', 30);\n      pushTramo(`D\u00edas 61\u2013${dCalc}`, dCalc - 60);\n    }\n\n    return {\n      brutoTotal,\n      rete,\n      final,\n      eaUsada: esAnt ? eaCuenta : eaProg,\n      tramos,\n      esAnt\n    };\n  }\n\n  \/\/ === RENDER ===\n  function renderFlex(res, ea) {\n    $('#kpiTasaFlex').textContent = (ea * 100).toFixed(2) + '%';\n    $('#kpiBrutoFlex').textContent = fmt(res.totalBruto, 2);\n    $('#kpiReteFlex').textContent = fmt(res.totalRete, 2);\n    $('#kpiFinalFlex').textContent = fmt(res.saldo, 0);\n\n    tbodyFlex.innerHTML = res.rows.map(r => `\n      <tr>\n        <td>${r.mes}<\/td>\n        <td>${fmt(r.bruto, 2)}<\/td>\n        <td>${fmt(r.rete, 2)}<\/td>\n        <td>${fmt(r.neto, 2)}<\/td>\n        <td>${fmt(r.saldo, 0)}<\/td>\n      <\/tr>\n    `).join('');\n\n    showResults('flex');\n  }\n\n  function renderProg(res) {\n    $('#kpiTasaProg').innerHTML = (res.eaUsada * 100).toFixed(2) + '%' + (res.esAnt ? ' <span class=\"calc-badge\">Anticipado<\/span>' : '');\n    $('#kpiBrutoProg').textContent = fmt(res.brutoTotal, 2);\n    $('#kpiReteProg').textContent = fmt(res.rete, 2);\n    $('#kpiFinalProg').textContent = fmt(res.final, 0);\n\n    tbodyProg.innerHTML = res.tramos.map(t => `\n      <tr>\n        <td>${t.label}<\/td>\n        <td>${t.dias}<\/td>\n        <td>${fmt(t.intDia, 2)}<\/td>\n        <td>${fmt(t.rete, 2)}<\/td>\n        <td>${fmt(t.total, 2)}<\/td>\n      <\/tr>\n    `).join('');\n\n    showResults('prog');\n  }\n\n  \/\/ === INFO BOX DIN\u00c1MICO (tasas + UVT 2026) ===\n  function updateInfoBox() {\n    const umbral = RETE_UMBRAL_DIA;\n    const uvt = CONFIG.UVT;\n\n    infoBox.innerHTML = `\n      <p><strong>Retenci\u00f3n (7%):<\/strong> Se cobra solo si el inter\u00e9s diario supera <strong>0,055 UVT<\/strong> (aprox. <strong>${fmt(umbral, 0)}<\/strong> para <strong>UVT 2026: ${fmtNum(uvt)}<\/strong>).<\/p>\n      <p class=\"mt-2\"><strong>Tasas vigentes (E.A.) \u2014 Feb 2026:<\/strong>\n        <strong>Flex:<\/strong> ${(CONFIG.flexEA.lulo * 100).toFixed(2)}% (Lulo) \/ ${(CONFIG.flexEA.pro * 100).toFixed(2)}% (Pro).\n        <strong class=\"mt-2\" style=\"display:inline-block\">Programado:<\/strong>\n        60d ${(CONFIG.progEA.lulo[60] * 100).toFixed(2)}% (Lulo) \/ ${(CONFIG.progEA.pro[60] * 100).toFixed(2)}% (Pro);\n        90d ${(CONFIG.progEA.lulo[90] * 100).toFixed(2)}% (Lulo) \/ ${(CONFIG.progEA.pro[90] * 100).toFixed(2)}% (Pro).\n      <\/p>\n      <p class=\"mt-2\"><strong>Retiro anticipado (Programado):<\/strong> aplica tasa de la <strong>Lulo cuenta<\/strong> (${(CONFIG.luloCuentaEA * 100).toFixed(2)}% E.A.).<\/p>\n    `;\n  }\n\n  \/\/ === ACCIONES ===\n  btnCalcFlex.addEventListener('click', () => {\n    hideError();\n\n    const monto = parseMonto(montoFlex.value);\n    const meses = parseInt(mesesFlex.value, 10);\n\n    if (!monto || monto <= 0) { showError('\u26a0\ufe0f Ingresa un monto v\u00e1lido.'); return; }\n    if (!Number.isInteger(meses) || meses < 1 || meses > 60) { showError('\u26a0\ufe0f El plazo debe estar entre 1 y 60 meses.'); return; }\n\n    const ea = CONFIG.flexEA[perfil];\n    renderFlex(calcFlex(monto, ea, meses), ea);\n  });\n\n  btnCalcProg.addEventListener('click', () => {\n    hideError();\n\n    const monto = parseMonto(montoProg.value);\n    const dias = parseInt(diasProg.value, 10);\n\n    if (!monto || monto <= 0) { showError('\u26a0\ufe0f Ingresa un monto v\u00e1lido.'); return; }\n    if (![60, 90].includes(dias)) { showError('\u26a0\ufe0f Selecciona 60 o 90 d\u00edas.'); return; }\n\n    const eaProg = CONFIG.progEA[perfil][dias];\n    const eaCuenta = CONFIG.luloCuentaEA;\n\n    const dr = anticipado\n      ? clamp(parseInt(diaRet.value || '0', 10), 1, (dias === 60 ? 59 : 89))\n      : 0;\n\n    renderProg(calcProgramado(monto, eaProg, eaCuenta, dias, dr));\n  });\n\n  btnLimpiar.addEventListener('click', () => {\n    hideError();\n\n    montoFlex.value = '';\n    mesesFlex.value = 12;\n    montoProg.value = '';\n    diasProg.value = '60';\n\n    setAnticipado(false);\n\n    resultsWrapper.classList.add('hidden');\n    wrapResFlex.classList.add('hidden');\n    wrapResProg.classList.add('hidden');\n\n    tbodyFlex.innerHTML = '';\n    tbodyProg.innerHTML = '';\n\n    shareToast.classList.add('hidden');\n\n    setPerfil('lulo');\n    setTab('flex');\n\n    \/\/ Limpia par\u00e1metros de URL si quieres dejarlo \"clean\"\n    history.replaceState(null, '', location.pathname);\n\n    window.scrollTo({ top: 0, behavior: 'smooth' });\n  });\n\n  btnCompartir.addEventListener('click', () => {\n    const p = new URLSearchParams();\n\n    p.set('perfil', perfil);\n    const tab = tabFlex.classList.contains('active') ? 'flex' : 'prog';\n    p.set('tab', tab);\n\n    if (tab === 'flex') {\n      const m = parseMonto(montoFlex.value);\n      const t = parseInt(mesesFlex.value, 10);\n      if (m) p.set('monto', m);\n      if (Number.isInteger(t)) p.set('meses', t);\n    } else {\n      const m = parseMonto(montoProg.value);\n      const d = parseInt(diasProg.value, 10);\n      if (m) p.set('monto', m);\n      if (d) p.set('dias', d);\n      if (anticipado) {\n        p.set('ant', '1');\n        p.set('diaRet', parseInt(diaRet.value, 10) || 1);\n      }\n    }\n\n    const url = location.origin + location.pathname + '?' + p.toString();\n\n    navigator.clipboard.writeText(url).then(() => {\n      shareToast.classList.remove('hidden');\n      setTimeout(() => shareToast.classList.add('hidden'), 2000);\n      history.replaceState(null, '', url);\n    }).catch(() => showError('\u274c No fue posible copiar el enlace.'));\n  });\n\n  \/\/ === HIDRATAR DESDE URL (mejora: comparte simulaci\u00f3n y se abre ya calculada) ===\n  function setMontoInput(el, n) { el.value = n ? formatMiles(n) : ''; }\n\n  function applyQueryParams() {\n    const p = new URLSearchParams(location.search);\n    if (![...p.keys()].length) return;\n\n    const perfilParam = p.get('perfil');\n    setPerfil(perfilParam === 'pro' ? 'pro' : 'lulo');\n\n    const tabParam = p.get('tab');\n    setTab(tabParam === 'prog' ? 'prog' : 'flex');\n\n    const monto = parseInt(p.get('monto') || '', 10);\n\n    if (tabParam === 'prog') {\n      const d = parseInt(p.get('dias') || '60', 10);\n      diasProg.value = ([60, 90].includes(d) ? String(d) : '60');\n\n      const ant = p.get('ant') === '1';\n      setAnticipado(ant);\n\n      if (ant) {\n        const max = (parseInt(diasProg.value, 10) === 60) ? 59 : 89;\n        const dr = clamp(parseInt(p.get('diaRet') || '1', 10), 1, max);\n        diaRet.value = String(dr);\n      }\n\n      if (Number.isFinite(monto) && monto > 0) {\n        setMontoInput(montoProg, monto);\n        \/\/ Auto-calc\n        btnCalcProg.click();\n      }\n    } else {\n      const meses = clamp(parseInt(p.get('meses') || '12', 10), 1, 60);\n      mesesFlex.value = String(meses);\n\n      if (Number.isFinite(monto) && monto > 0) {\n        setMontoInput(montoFlex, monto);\n        \/\/ Auto-calc\n        btnCalcFlex.click();\n      }\n    }\n  }\n\n  \/\/ Init\n  updateInfoBox();\n  applyQueryParams();\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44140ee e-flex e-con-boxed e-con e-parent\" data-id=\"44140ee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93f88cb elementor-widget elementor-widget-text-editor\" data-id=\"93f88cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"0\" data-end=\"274\"><span style=\"color: #000000;\"><strong data-start=\"0\" data-end=\"84\">Lulo Bank actualiz\u00f3 la rentabilidad de sus Bolsillos en Colombia (Febrero 2026):<\/strong> ahora el <strong data-start=\"94\" data-end=\"111\">Bolsillo Flex<\/strong> paga <strong data-start=\"117\" data-end=\"132\">7,5% (Lulo)<\/strong> o <strong data-start=\"135\" data-end=\"155\">9,25% (Lulo Pro)<\/strong> E.A., y los <strong data-start=\"168\" data-end=\"193\">Bolsillos Programados<\/strong> quedaron en <strong data-start=\"206\" data-end=\"230\">60 d\u00edas: 8,5% \/ 9,5%<\/strong> y <strong data-start=\"233\" data-end=\"258\">90 d\u00edas: 9,0% \/ 10,0%<\/strong> (Lulo \/ Pro).<\/span><\/p><p data-start=\"276\" data-end=\"670\"><span style=\"color: #000000;\">Si ya usabas Lulo, es normal que te hayas preguntado: \u201c\u00bfme est\u00e1 pagando lo mismo?\u201d o \u201c\u00bfqu\u00e9 me conviene m\u00e1s, Flex o Programado?\u201d. Tranquilo: aqu\u00ed te lo explico <strong data-start=\"435\" data-end=\"450\">en sencillo<\/strong>, con lo que realmente importa: <strong data-start=\"482\" data-end=\"491\">tasas<\/strong>, <strong data-start=\"493\" data-end=\"512\">cu\u00e1ndo te pagan<\/strong>, <strong data-start=\"514\" data-end=\"543\">qu\u00e9 pasa si retiras antes<\/strong>, c\u00f3mo funciona la <strong data-start=\"562\" data-end=\"576\">retefuente<\/strong>, y c\u00f3mo usar nuestra <strong data-start=\"598\" data-end=\"618\">Calculadora Lulo<\/strong> para simular tus rendimientos con n\u00fameros claros.<\/span><\/p><hr data-start=\"672\" data-end=\"675\" \/><h2 data-start=\"677\" data-end=\"728\"><span style=\"color: #000000;\">\u00bfQu\u00e9 cambi\u00f3 exactamente?\u00a0<\/span><\/h2><h3 data-start=\"730\" data-end=\"780\"><span style=\"color: #000000;\"><strong data-start=\"734\" data-end=\"780\">1) Bolsillo Flex (liquidez + pago mensual)<\/strong><\/span><\/h3><ul data-start=\"781\" data-end=\"1062\"><li data-start=\"781\" data-end=\"848\"><p data-start=\"783\" data-end=\"848\"><span style=\"color: #000000;\">Rentabilidad: <strong data-start=\"797\" data-end=\"817\">7,5% E.A. (Lulo)<\/strong> o <strong data-start=\"820\" data-end=\"845\">9,25% E.A. (Lulo Pro)<\/strong>.<\/span><\/p><\/li><li data-start=\"849\" data-end=\"986\"><p data-start=\"851\" data-end=\"986\"><span style=\"color: #000000;\">\u00bfCu\u00e1ndo pagan? Los rendimientos se abonan <strong data-start=\"893\" data-end=\"924\">a inicios del mes siguiente<\/strong> y se calculan sobre el <strong data-start=\"948\" data-end=\"983\">saldo promedio del mes anterior<\/strong>.<\/span><\/p><\/li><li data-start=\"987\" data-end=\"1062\"><p data-start=\"989\" data-end=\"1062\"><span style=\"color: #000000;\">Importante: la tasa puede <strong data-start=\"1015\" data-end=\"1026\">cambiar<\/strong> (porque es un producto \u201cflexible\u201d).<\/span><\/p><\/li><\/ul><h3 data-start=\"1064\" data-end=\"1131\"><span style=\"color: #000000;\"><strong data-start=\"1068\" data-end=\"1131\">2) Bolsillos Programados (60 o 90 d\u00edas, con tasa por plazo)<\/strong><\/span><\/h3><p data-start=\"1132\" data-end=\"1250\"><span style=\"color: #000000;\">Aqu\u00ed s\u00ed eliges un plazo: <strong data-start=\"1157\" data-end=\"1173\">60 o 90 d\u00edas<\/strong>, dejas el dinero quieto y, si lo cumples, te aplican la tasa del Programado:<\/span><\/p><ul data-start=\"1252\" data-end=\"1368\"><li data-start=\"1252\" data-end=\"1309\"><p data-start=\"1254\" data-end=\"1309\"><span style=\"color: #000000;\"><strong data-start=\"1254\" data-end=\"1266\">60 d\u00edas:<\/strong> <strong data-start=\"1267\" data-end=\"1287\">8,5% E.A. (Lulo)<\/strong> | <strong data-start=\"1290\" data-end=\"1309\">9,5% E.A. (Pro)<\/strong><\/span><\/p><\/li><li data-start=\"1310\" data-end=\"1368\"><p data-start=\"1312\" data-end=\"1368\"><span style=\"color: #000000;\"><strong data-start=\"1312\" data-end=\"1324\">90 d\u00edas:<\/strong> <strong data-start=\"1325\" data-end=\"1345\">9,0% E.A. (Lulo)<\/strong> | <strong data-start=\"1348\" data-end=\"1368\">10,0% E.A. (Pro)<\/strong><\/span><\/p><\/li><\/ul><p data-start=\"1370\" data-end=\"1624\"><span style=\"color: #000000;\">\ud83d\udca1 <strong data-start=\"1373\" data-end=\"1398\">Ojo con esto (clave):<\/strong> si retiras <strong data-start=\"1410\" data-end=\"1419\">antes<\/strong> de cumplir el plazo, <strong data-start=\"1441\" data-end=\"1454\">no aplica<\/strong> la tasa del Programado; se liquida con la tasa base de tu <strong data-start=\"1513\" data-end=\"1528\">Lulo cuenta<\/strong> (saldo en cuenta), que es <strong data-start=\"1555\" data-end=\"1569\">0,10% E.A.<\/strong>. Es la diferencia m\u00e1s importante a la hora de simular.<\/span><\/p><hr data-start=\"1626\" data-end=\"1629\" \/><h2 data-start=\"1631\" data-end=\"1679\"><span style=\"color: #000000;\">\u00bfC\u00f3mo funciona cada bolsillo en la vida real?<\/span><\/h2><h3 data-start=\"1681\" data-end=\"1704\"><span style=\"color: #000000;\">\u2705 <strong data-start=\"1687\" data-end=\"1704\">Bolsillo Flex<\/strong><\/span><\/h3><p data-start=\"1705\" data-end=\"1787\"><span style=\"color: #000000;\">Ideal si quieres <strong data-start=\"1722\" data-end=\"1740\">disponibilidad<\/strong>, mover tu plata y aun as\u00ed recibir rendimiento:<\/span><\/p><ul data-start=\"1788\" data-end=\"1949\"><li data-start=\"1788\" data-end=\"1831\"><p data-start=\"1790\" data-end=\"1831\"><span style=\"color: #000000;\">Puedes <strong data-start=\"1797\" data-end=\"1815\">entrar y salir<\/strong> cuando quieras.<\/span><\/p><\/li><li data-start=\"1832\" data-end=\"1893\"><p data-start=\"1834\" data-end=\"1893\"><span style=\"color: #000000;\">Te pagan intereses <strong data-start=\"1853\" data-end=\"1869\">mensualmente<\/strong> (seg\u00fan saldo promedio).<\/span><\/p><\/li><li data-start=\"1894\" data-end=\"1949\"><p data-start=\"1896\" data-end=\"1949\"><span style=\"color: #000000;\">Perfecto para fondo de emergencias o ahorro \u201cactivo\u201d.<\/span><\/p><\/li><\/ul><h3 data-start=\"1951\" data-end=\"1993\"><span style=\"color: #000000;\">\u2705 <strong data-start=\"1957\" data-end=\"1993\">Bolsillo Programado (60\/90 d\u00edas)<\/strong><\/span><\/h3><p data-start=\"1994\" data-end=\"2044\"><span style=\"color: #000000;\">Ideal si puedes \u201cbloquear\u201d el dinero por un plazo:<\/span><\/p><ul data-start=\"2045\" data-end=\"2314\"><li data-start=\"2045\" data-end=\"2105\"><p data-start=\"2047\" data-end=\"2105\"><span style=\"color: #000000;\">Haces un <strong data-start=\"2056\" data-end=\"2074\">dep\u00f3sito \u00fanico<\/strong> (no es para estar recargando).<\/span><\/p><\/li><li data-start=\"2106\" data-end=\"2167\"><p data-start=\"2108\" data-end=\"2167\"><span style=\"color: #000000;\">Si cumples el plazo, se liquida con la tasa del Programado.<\/span><\/p><\/li><li data-start=\"2168\" data-end=\"2314\"><p data-start=\"2170\" data-end=\"2314\"><span style=\"color: #000000;\">Si retiras antes, pierdes el beneficio y te queda con la <strong data-start=\"2227\" data-end=\"2240\">tasa base<\/strong> (0,10% E.A.).<\/span><br data-start=\"2254\" data-end=\"2257\" \/><span style=\"color: #000000;\">En palabras simples: <strong data-start=\"2278\" data-end=\"2313\">Programado premia la disciplina<\/strong>.<\/span><\/p><\/li><\/ul><hr data-start=\"2316\" data-end=\"2319\" \/><h2 data-start=\"2321\" data-end=\"2372\"><span style=\"color: #000000;\">ReteFuente (7%): \u00bfcu\u00e1ndo te la cobran de verdad?<\/span><\/h2><p data-start=\"2373\" data-end=\"2585\"><span style=\"color: #000000;\">Lulo explica que la <strong data-start=\"2393\" data-end=\"2419\">retenci\u00f3n en la fuente<\/strong> es del <strong data-start=\"2427\" data-end=\"2433\">7%<\/strong>, y solo aparece cuando tu <strong data-start=\"2460\" data-end=\"2478\">inter\u00e9s diario<\/strong> supera <strong data-start=\"2486\" data-end=\"2499\">0,055 UVT<\/strong>. En <strong data-start=\"2504\" data-end=\"2512\">2026<\/strong>, la UVT es <strong data-start=\"2524\" data-end=\"2535\">$52.374<\/strong>, as\u00ed que el umbral diario es aprox. <strong data-start=\"2572\" data-end=\"2582\">$2.881<\/strong>.<\/span><\/p><ul data-start=\"2587\" data-end=\"2815\"><li data-start=\"2587\" data-end=\"2723\"><p data-start=\"2589\" data-end=\"2723\"><span style=\"color: #000000;\">En <strong data-start=\"2592\" data-end=\"2600\">Flex<\/strong>, normalmente la ves reflejada cuando te abonan rendimientos (inicio del mes) si durante el mes se super\u00f3 el umbral diario.<\/span><\/p><\/li><li data-start=\"2724\" data-end=\"2815\"><p data-start=\"2726\" data-end=\"2815\"><span style=\"color: #000000;\">En <strong data-start=\"2729\" data-end=\"2744\">Programados<\/strong>, suele verse <strong data-start=\"2758\" data-end=\"2780\">al final del plazo<\/strong>, cuando se liquida el rendimiento.<\/span><\/p><\/li><\/ul><p data-start=\"2817\" data-end=\"2999\"><span style=\"color: #000000;\">\ud83d\udccc Consejo humano y realista: para la mayor\u00eda de personas, la retefuente no aparece con montos peque\u00f1os\/medianos. Si ya est\u00e1s moviendo saldos altos, ah\u00ed s\u00ed vale la pena simular bien.<\/span><\/p><hr data-start=\"3001\" data-end=\"3004\" \/><h2 data-start=\"3006\" data-end=\"3058\"><span style=\"color: #000000;\">Nuestra <strong data-start=\"3017\" data-end=\"3037\">Calculadora Lulo<\/strong> (Flex + Programados)<\/span><\/h2><p data-start=\"3059\" data-end=\"3140\"><span style=\"color: #000000;\">Creamos esta calculadora para que no tengas que adivinar ni sacar cuentas a mano:<\/span><\/p><p data-start=\"3142\" data-end=\"3151\"><span style=\"color: #000000;\">\u2705 Puedes:<\/span><\/p><ul data-start=\"3152\" data-end=\"3491\"><li data-start=\"3152\" data-end=\"3241\"><p data-start=\"3154\" data-end=\"3241\"><span style=\"color: #000000;\">Elegir <strong data-start=\"3161\" data-end=\"3173\">producto<\/strong> (<strong data-start=\"3175\" data-end=\"3183\">Flex<\/strong> o <strong data-start=\"3186\" data-end=\"3200\">Programado<\/strong>) y <strong data-start=\"3204\" data-end=\"3214\">perfil<\/strong> (<strong data-start=\"3216\" data-end=\"3224\">Lulo<\/strong> o <strong data-start=\"3227\" data-end=\"3239\">Lulo Pro<\/strong>).<\/span><\/p><\/li><li data-start=\"3242\" data-end=\"3320\"><p data-start=\"3244\" data-end=\"3320\"><span style=\"color: #000000;\">Ingresar <strong data-start=\"3253\" data-end=\"3262\">monto<\/strong> y <strong data-start=\"3265\" data-end=\"3274\">plazo<\/strong> (meses en Flex \/ 60 o 90 d\u00edas en Programado).<\/span><\/p><\/li><li data-start=\"3321\" data-end=\"3377\"><p data-start=\"3323\" data-end=\"3377\"><span style=\"color: #000000;\">Simular <strong data-start=\"3331\" data-end=\"3352\">retiro anticipado<\/strong> (y ver el impacto real).<\/span><\/p><\/li><li data-start=\"3378\" data-end=\"3491\"><p data-start=\"3380\" data-end=\"3491\"><span style=\"color: #000000;\">Ver <strong data-start=\"3384\" data-end=\"3401\">tasa aplicada<\/strong>, <strong data-start=\"3403\" data-end=\"3424\">rendimiento bruto<\/strong>, <strong data-start=\"3426\" data-end=\"3449\">retefuente estimada<\/strong>, <strong data-start=\"3451\" data-end=\"3466\">monto final<\/strong> y un desglose detallado.<\/span><\/p><\/li><\/ul><p data-start=\"3493\" data-end=\"3636\"><span style=\"color: #000000;\">La calculadora usa la l\u00f3gica pr\u00e1ctica: c\u00e1lculo por tasa efectiva y aplica la <strong data-start=\"3570\" data-end=\"3584\">retefuente<\/strong> solo si corresponde con el umbral de <strong data-start=\"3622\" data-end=\"3635\">0,055 UVT<\/strong>.<\/span><\/p><hr data-start=\"3638\" data-end=\"3641\" \/><h2 data-start=\"3643\" data-end=\"3698\"><span style=\"color: #000000;\">Ejemplos r\u00e1pidos \u201cde calle\u201d (para entender magnitud)<\/span><\/h2><h3 data-start=\"3700\" data-end=\"3752\"><span style=\"color: #000000;\">1) <strong data-start=\"3707\" data-end=\"3737\">Flex (Lulo Pro 9,25% E.A.)<\/strong> por 12 meses<\/span><\/h3><ul data-start=\"3753\" data-end=\"3908\"><li data-start=\"3753\" data-end=\"3778\"><p data-start=\"3755\" data-end=\"3778\"><span style=\"color: #000000;\">Monto: <strong data-start=\"3762\" data-end=\"3776\">$1.000.000<\/strong><\/span><\/p><\/li><li data-start=\"3779\" data-end=\"3875\"><p data-start=\"3781\" data-end=\"3875\"><span style=\"color: #000000;\">Rendimiento aproximado anual: cercano a <strong data-start=\"3821\" data-end=\"3832\">$92.500<\/strong> (sin retefuente en la mayor\u00eda de casos).<\/span><\/p><\/li><li data-start=\"3876\" data-end=\"3908\"><p data-start=\"3878\" data-end=\"3908\"><span style=\"color: #000000;\">Monto final: ~<strong data-start=\"3892\" data-end=\"3906\">$1.092.500<\/strong><\/span><\/p><\/li><\/ul><h3 data-start=\"3910\" data-end=\"3956\"><span style=\"color: #000000;\">2) <strong data-start=\"3917\" data-end=\"3954\">Programado 90 d\u00edas (Pro 10% E.A.)<\/strong><\/span><\/h3><ul data-start=\"3957\" data-end=\"4116\"><li data-start=\"3957\" data-end=\"3982\"><p data-start=\"3959\" data-end=\"3982\"><span style=\"color: #000000;\">Monto: <strong data-start=\"3966\" data-end=\"3980\">$5.000.000<\/strong><\/span><\/p><\/li><li data-start=\"3983\" data-end=\"4083\"><p data-start=\"3985\" data-end=\"4083\"><span style=\"color: #000000;\">Rendimiento estimado 90 d\u00edas: ~<strong data-start=\"4016\" data-end=\"4028\">$123.000<\/strong> (aprox., sin retefuente si no supera umbral diario).<\/span><\/p><\/li><li data-start=\"4084\" data-end=\"4116\"><p data-start=\"4086\" data-end=\"4116\"><span style=\"color: #000000;\">Monto final: ~<strong data-start=\"4100\" data-end=\"4114\">$5.123.000<\/strong><\/span><\/p><\/li><\/ul><blockquote data-start=\"4118\" data-end=\"4233\"><p data-start=\"4120\" data-end=\"4233\"><span style=\"color: #000000;\">Son aproximaciones: en la app el valor exacto puede variar por d\u00edas reales del periodo y la forma de liquidaci\u00f3n.<\/span><\/p><\/blockquote><hr data-start=\"4235\" data-end=\"4238\" \/><h2 data-start=\"4240\" data-end=\"4274\"><span style=\"color: #000000;\">Entonces\u2026 \u00bfqu\u00e9 me conviene hoy?<\/span><\/h2><ul data-start=\"4275\" data-end=\"4592\"><li data-start=\"4275\" data-end=\"4348\"><p data-start=\"4277\" data-end=\"4348\"><span style=\"color: #000000;\">Si quieres <strong data-start=\"4288\" data-end=\"4300\">libertad<\/strong> y que te paguen <strong data-start=\"4317\" data-end=\"4328\">mensual<\/strong>, ve por <strong data-start=\"4337\" data-end=\"4345\">Flex<\/strong>.<\/span><\/p><\/li><li data-start=\"4349\" data-end=\"4447\"><p data-start=\"4351\" data-end=\"4447\"><span style=\"color: #000000;\">Si puedes apartar el dinero <strong data-start=\"4379\" data-end=\"4395\">60 o 90 d\u00edas<\/strong> sin tocarlo, <strong data-start=\"4409\" data-end=\"4423\">Programado<\/strong> suele ganar por tasa.<\/span><\/p><\/li><li data-start=\"4448\" data-end=\"4592\"><p data-start=\"4450\" data-end=\"4592\"><span style=\"color: #000000;\">Si crees que tu saldo puede acercarse a montos altos, revisa el efecto de <strong data-start=\"4524\" data-end=\"4538\">retefuente<\/strong> y prueba escenarios en la calculadora para optimizar.<\/span><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcb0 Calculadora Lulo Bank Simula tus ganancias en Lulo Bank de forma clara y profesional. 1. Elige tu perfil Soy Lulo Lulo Pro 2. Elige el producto Bolsillo Flex Bolsillo Programado Monto a invertir (COP) En Flex puedes retirar cuando quieras; la tasa puede variar por condiciones de mercado. Plazo (meses) Simulaci\u00f3n con capitalizaci\u00f3n mensual&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4016,"template":"","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-5911","herramientas","type-herramientas","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5911","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":15,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5911\/revisions"}],"predecessor-version":[{"id":6178,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5911\/revisions\/6178"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media\/4016"}],"wp:attachment":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media?parent=5911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}