{"id":5917,"date":"2024-03-13T21:54:00","date_gmt":"2024-03-14T02:54:00","guid":{"rendered":"https:\/\/inversionesguru.com\/co\/?post_type=herramientas&#038;p=5917"},"modified":"2026-06-01T20:45:57","modified_gmt":"2026-06-02T01:45:57","slug":"calculadora-4-x-1000-colombia","status":"publish","type":"herramientas","link":"https:\/\/inversionesguru.com\/co\/herramientas\/calculadora-4-x-1000-colombia\/","title":{"rendered":"Calculadora 4 x 1000 Colombia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5917\" class=\"elementor elementor-5917\" data-elementor-post-type=\"herramientas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9614e8f e-flex e-con-boxed e-con e-parent\" data-id=\"9614e8f\" 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-d7a4fa5 elementor-widget elementor-widget-html\" data-id=\"d7a4fa5\" 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<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800;900&display=swap\" rel=\"stylesheet\">\n\n<style>\n  #ig-gmf-calculator {\n    --ig-ink: #17332f;\n    --ig-ink-2: #24443e;\n    --ig-muted: #5b6f68;\n    --ig-muted-2: #789088;\n    --ig-bg-a: #effbf6;\n    --ig-bg-b: #fff3ec;\n    --ig-panel: #ffffff;\n    --ig-panel-soft: rgba(255, 255, 255, 0.88);\n    --ig-line: rgba(23, 51, 47, 0.14);\n    --ig-line-strong: rgba(23, 51, 47, 0.26);\n    --ig-accent: #0f9f7a;\n    --ig-accent-dark: #08755d;\n    --ig-coral: #ef6a4a;\n    --ig-coral-dark: #c84f34;\n    --ig-green-soft: #dff8ed;\n    --ig-coral-soft: #ffe2d7;\n    --ig-warning-soft: #fff3d8;\n    --ig-warning: #b97809;\n    --ig-danger-soft: #ffe4e0;\n    --ig-danger: #b42318;\n    --ig-shadow: 0 24px 54px rgba(23, 51, 47, 0.12);\n    --ig-shadow-soft: 0 14px 34px rgba(23, 51, 47, 0.08);\n    --ig-radius: 8px;\n    display: block;\n    width: 100%;\n    overflow: hidden;\n    color: var(--ig-ink);\n    background:\n      linear-gradient(90deg, rgba(15, 159, 122, 0.06) 1px, transparent 1px),\n      linear-gradient(180deg, rgba(23, 51, 47, 0.045) 1px, transparent 1px),\n      var(--ig-bg-a);\n    background-size: 56px 56px, 56px 56px, auto;\n    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\n    line-height: 1.5;\n    -webkit-font-smoothing: antialiased;\n    text-rendering: optimizeLegibility;\n    padding: 26px 0;\n  }\n\n  #ig-gmf-calculator,\n  #ig-gmf-calculator *,\n  #ig-gmf-calculator *::before,\n  #ig-gmf-calculator *::after {\n    box-sizing: border-box;\n  }\n\n  #ig-gmf-calculator :where(h1, h2, h3, h4, p, ul, li, figure, blockquote) {\n    margin: 0;\n    padding: 0;\n  }\n\n  #ig-gmf-calculator :where(button, input, select, textarea, a) {\n    font: inherit;\n    -webkit-tap-highlight-color: transparent;\n  }\n\n  #ig-gmf-calculator button {\n    appearance: none;\n  }\n\n  #ig-gmf-calculator a {\n    color: inherit;\n    text-decoration: none;\n  }\n\n  #ig-gmf-calculator :where(h1, h2, h3, h4, p, span, strong, label, button, input, select, td, th) {\n    overflow-wrap: break-word;\n    letter-spacing: 0;\n  }\n\n  #ig-gmf-calculator .ig-wrap {\n    width: min(1120px, calc(100% - 28px));\n    max-width: 1120px;\n    margin: 0 auto;\n  }\n\n  #ig-gmf-calculator .ig-hero {\n    display: grid;\n    grid-template-columns: minmax(0, 1.04fr) minmax(320px, 0.7fr);\n    gap: 18px;\n    align-items: stretch;\n    margin-bottom: 18px;\n  }\n\n  #ig-gmf-calculator .ig-card,\n  #ig-gmf-calculator .ig-hero-main,\n  #ig-gmf-calculator .ig-hero-side,\n  #ig-gmf-calculator .ig-panel,\n  #ig-gmf-calculator .ig-kpi,\n  #ig-gmf-calculator .ig-mode-card,\n  #ig-gmf-calculator .ig-option-card,\n  #ig-gmf-calculator .ig-result-card,\n  #ig-gmf-calculator .ig-guide-card {\n    min-width: 0;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    background: var(--ig-panel-soft);\n    box-shadow: var(--ig-shadow-soft);\n  }\n\n  #ig-gmf-calculator .ig-hero-main {\n    position: relative;\n    padding: 28px;\n    overflow: hidden;\n    background:\n      linear-gradient(135deg, rgba(239, 106, 74, 0.16), transparent 42%),\n      var(--ig-ink);\n    color: #fff;\n    box-shadow: var(--ig-shadow);\n  }\n\n  #ig-gmf-calculator .ig-hero-main::after {\n    content: \"\";\n    position: absolute;\n    right: -82px;\n    top: -92px;\n    width: 220px;\n    height: 220px;\n    border-radius: 999px;\n    background: rgba(15, 159, 122, 0.24);\n    filter: blur(2px);\n  }\n\n  #ig-gmf-calculator .ig-eyebrow,\n  #ig-gmf-calculator .ig-status,\n  #ig-gmf-calculator .ig-chip {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    width: fit-content;\n    min-height: 30px;\n    padding: 5px 9px;\n    border-radius: var(--ig-radius);\n    font-size: 12px;\n    font-weight: 850;\n  }\n\n  #ig-gmf-calculator .ig-eyebrow {\n    border: 1px solid rgba(255,255,255,0.18);\n    background: rgba(255,255,255,0.08);\n    color: #dff8ed;\n  }\n\n  #ig-gmf-calculator .ig-hero-title {\n    position: relative;\n    z-index: 1;\n    max-width: 780px;\n    margin-top: 16px;\n    color: #fff;\n    font-size: 43px;\n    line-height: 1.08;\n    font-weight: 930;\n  }\n\n  #ig-gmf-calculator .ig-hero-title span {\n    color: #ffd6c9;\n  }\n\n  #ig-gmf-calculator .ig-hero-copy {\n    position: relative;\n    z-index: 1;\n    max-width: 780px;\n    margin-top: 14px;\n    color: rgba(255,255,255,0.76);\n    font-size: 16px;\n    line-height: 1.72;\n  }\n\n  #ig-gmf-calculator .ig-hero-side {\n    display: grid;\n    gap: 12px;\n    padding: 18px;\n    background: rgba(255, 255, 255, 0.9);\n  }\n\n  #ig-gmf-calculator .ig-hero-side h3 {\n    color: var(--ig-ink);\n    font-size: 18px;\n    line-height: 1.24;\n    font-weight: 900;\n  }\n\n  #ig-gmf-calculator .ig-rate-grid {\n    display: grid;\n    grid-template-columns: 1fr 1fr;\n    gap: 10px;\n  }\n\n  #ig-gmf-calculator .ig-mini-stat {\n    padding: 14px;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    background: #fff;\n  }\n\n  #ig-gmf-calculator .ig-mini-stat span {\n    display: block;\n    color: var(--ig-muted);\n    font-size: 11px;\n    font-weight: 850;\n    text-transform: uppercase;\n  }\n\n  #ig-gmf-calculator .ig-mini-stat strong {\n    display: block;\n    margin-top: 5px;\n    color: var(--ig-ink);\n    font-size: 21px;\n    line-height: 1.08;\n    font-weight: 930;\n  }\n\n  #ig-gmf-calculator .ig-mini-stat small {\n    display: block;\n    margin-top: 4px;\n    color: var(--ig-muted);\n    font-size: 11px;\n    line-height: 1.35;\n  }\n\n  #ig-gmf-calculator .ig-card {\n    padding: 22px;\n    margin-bottom: 18px;\n  }\n\n  #ig-gmf-calculator .ig-section-head {\n    display: flex;\n    align-items: flex-end;\n    justify-content: space-between;\n    gap: 18px;\n    margin-bottom: 18px;\n  }\n\n  #ig-gmf-calculator .ig-section-title {\n    color: var(--ig-ink);\n    font-size: 25px;\n    line-height: 1.18;\n    font-weight: 930;\n  }\n\n  #ig-gmf-calculator .ig-section-copy {\n    margin-top: 7px;\n    color: var(--ig-muted);\n    font-size: 14px;\n    line-height: 1.65;\n  }\n\n  #ig-gmf-calculator .ig-tabs {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 10px;\n    margin-bottom: 18px;\n  }\n\n  #ig-gmf-calculator .ig-tab {\n    display: grid;\n    grid-template-columns: auto minmax(0, 1fr);\n    align-items: center;\n    gap: 10px;\n    min-height: 68px;\n    padding: 12px;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    background: rgba(255,255,255,0.84);\n    color: var(--ig-ink);\n    cursor: pointer;\n    text-align: left;\n    transition: transform 180ms ease, border-color 180ms ease, background 180ms ease, box-shadow 180ms ease;\n  }\n\n  #ig-gmf-calculator .ig-tab:hover {\n    transform: translateY(-2px);\n    border-color: var(--ig-line-strong);\n    background: #fff;\n    box-shadow: var(--ig-shadow-soft);\n  }\n\n  #ig-gmf-calculator .ig-tab.is-active {\n    border-color: rgba(15,159,122,0.38);\n    background: var(--ig-green-soft);\n    box-shadow: var(--ig-shadow-soft);\n  }\n\n  #ig-gmf-calculator .ig-tab-icon,\n  #ig-gmf-calculator .ig-icon-box {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    width: 38px;\n    height: 38px;\n    border-radius: var(--ig-radius);\n    color: var(--ig-accent-dark);\n    background: var(--ig-green-soft);\n  }\n\n  #ig-gmf-calculator .ig-tab.is-active .ig-tab-icon {\n    background: #fff;\n  }\n\n  #ig-gmf-calculator .ig-tab strong {\n    display: block;\n    color: var(--ig-ink);\n    font-size: 13px;\n    line-height: 1.18;\n    font-weight: 900;\n  }\n\n  #ig-gmf-calculator .ig-tab small {\n    display: block;\n    margin-top: 3px;\n    color: var(--ig-muted);\n    font-size: 11px;\n    line-height: 1.3;\n  }\n\n  #ig-gmf-calculator .ig-screen {\n    display: none;\n  }\n\n  #ig-gmf-calculator .ig-screen.is-active {\n    display: block;\n    animation: ig-rise 300ms ease both;\n  }\n\n  #ig-gmf-calculator .ig-form-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 14px;\n  }\n\n  #ig-gmf-calculator .ig-form-grid.ig-three {\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n  }\n\n  #ig-gmf-calculator .ig-field {\n    min-width: 0;\n  }\n\n  #ig-gmf-calculator .ig-label {\n    display: block;\n    margin-bottom: 7px;\n    color: var(--ig-ink-2);\n    font-size: 13px;\n    font-weight: 850;\n  }\n\n  #ig-gmf-calculator .ig-help {\n    margin-top: 6px;\n    color: var(--ig-muted);\n    font-size: 12px;\n    line-height: 1.45;\n  }\n\n  #ig-gmf-calculator :where(input, select) {\n    width: 100%;\n    min-height: 50px;\n    padding: 12px 13px;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    outline: 0;\n    background: #fff;\n    color: var(--ig-ink);\n    font-size: 16px;\n    font-weight: 650;\n    transition: border-color 180ms ease, box-shadow 180ms ease, background-color 180ms ease;\n  }\n\n  #ig-gmf-calculator :where(input, select):focus {\n    border-color: var(--ig-accent);\n    box-shadow: 0 0 0 4px rgba(15,159,122,0.14);\n  }\n\n  #ig-gmf-calculator .ig-options {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 10px;\n  }\n\n  #ig-gmf-calculator .ig-option {\n    position: relative;\n    display: block;\n    width: 100%;\n    min-width: 0;\n    cursor: pointer;\n  }\n\n  #ig-gmf-calculator .ig-option input[type=\"radio\"] {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    min-height: 0 !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    border: 0 !important;\n    opacity: 0 !important;\n    overflow: hidden !important;\n    clip: rect(0 0 0 0) !important;\n    clip-path: inset(50%) !important;\n    appearance: none !important;\n    pointer-events: none !important;\n  }\n\n  #ig-gmf-calculator .ig-option-body {\n    display: block;\n    width: 100%;\n    min-height: 104px;\n    padding: 14px;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    background: #fff;\n    transition: transform 180ms ease, border-color 180ms ease, background 180ms ease, box-shadow 180ms ease;\n  }\n\n  #ig-gmf-calculator .ig-option:hover .ig-option-body {\n    transform: translateY(-2px);\n    border-color: var(--ig-line-strong);\n    box-shadow: var(--ig-shadow-soft);\n  }\n\n  #ig-gmf-calculator .ig-option input:checked + .ig-option-body {\n    border-color: rgba(15,159,122,0.42);\n    background: var(--ig-green-soft);\n  }\n\n  #ig-gmf-calculator .ig-option input:focus-visible + .ig-option-body {\n    border-color: var(--ig-accent);\n    box-shadow: 0 0 0 4px rgba(15,159,122,0.14);\n  }\n\n  #ig-gmf-calculator .ig-option-body strong {\n    display: block;\n    color: var(--ig-ink);\n    font-size: 14px;\n    line-height: 1.2;\n    font-weight: 900;\n  }\n\n  #ig-gmf-calculator .ig-option-body small {\n    display: block;\n    margin-top: 7px;\n    color: var(--ig-muted);\n    font-size: 12px;\n    line-height: 1.42;\n    font-weight: 650;\n  }\n\n  #ig-gmf-calculator .ig-actions {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 10px;\n    margin-top: 16px;\n  }\n\n  #ig-gmf-calculator .ig-btn {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n    min-height: 48px;\n    padding: 11px 16px;\n    border: 1px solid transparent;\n    border-radius: var(--ig-radius);\n    cursor: pointer;\n    background: var(--ig-ink);\n    color: #fff;\n    font-size: 14px;\n    font-weight: 850;\n    transition: transform 180ms ease, background-color 180ms ease, border-color 180ms ease, box-shadow 180ms ease, opacity 180ms ease;\n  }\n\n  #ig-gmf-calculator .ig-btn:hover:not(:disabled) {\n    transform: translateY(-2px);\n    background: var(--ig-accent-dark);\n    box-shadow: 0 12px 22px rgba(23,51,47,0.16);\n  }\n\n  #ig-gmf-calculator .ig-btn:disabled {\n    cursor: not-allowed;\n    opacity: 0.55;\n  }\n\n  #ig-gmf-calculator .ig-btn.ig-secondary {\n    border-color: var(--ig-line);\n    background: #fff;\n    color: var(--ig-ink);\n  }\n\n  #ig-gmf-calculator .ig-btn.ig-secondary:hover:not(:disabled) {\n    border-color: var(--ig-line-strong);\n    background: var(--ig-bg-a);\n  }\n\n  #ig-gmf-calculator .ig-btn.ig-coral {\n    background: var(--ig-coral);\n  }\n\n  #ig-gmf-calculator .ig-btn.ig-coral:hover:not(:disabled) {\n    background: var(--ig-coral-dark);\n  }\n\n  #ig-gmf-calculator .ig-result-grid {\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 10px;\n    margin-top: 18px;\n  }\n\n  #ig-gmf-calculator .ig-kpi {\n    padding: 15px;\n    background: #fff;\n  }\n\n  #ig-gmf-calculator .ig-kpi span {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    gap: 7px;\n    color: var(--ig-muted);\n    font-size: 11px;\n    font-weight: 850;\n    line-height: 1.25;\n    text-align: center;\n    text-transform: uppercase;\n  }\n\n  #ig-gmf-calculator .ig-kpi strong {\n    display: block;\n    margin-top: 8px;\n    color: var(--ig-ink);\n    font-size: 22px;\n    line-height: 1.08;\n    font-weight: 930;\n    text-align: center;\n  }\n\n  #ig-gmf-calculator .ig-kpi.is-final {\n    background: var(--ig-ink);\n    color: #fff;\n  }\n\n  #ig-gmf-calculator .ig-kpi.is-final span,\n  #ig-gmf-calculator .ig-kpi.is-final strong {\n    color: #fff;\n  }\n\n  #ig-gmf-calculator .ig-kpi.is-tax {\n    border-left: 4px solid var(--ig-coral);\n  }\n\n  #ig-gmf-calculator .ig-kpi.is-ok {\n    border-left: 4px solid var(--ig-accent);\n  }\n\n  #ig-gmf-calculator .ig-alert {\n    display: grid;\n    grid-template-columns: auto minmax(0, 1fr);\n    gap: 10px;\n    align-items: start;\n    margin-top: 16px;\n    padding: 13px;\n    border-radius: var(--ig-radius);\n    border: 1px solid var(--ig-line);\n    background: var(--ig-bg-a);\n    color: var(--ig-ink-2);\n    font-size: 13px;\n    line-height: 1.55;\n  }\n\n  #ig-gmf-calculator .ig-alert.is-warning {\n    background: var(--ig-warning-soft);\n    border-color: rgba(185,120,9,0.24);\n    color: #6f4a00;\n  }\n\n  #ig-gmf-calculator .ig-alert.is-danger {\n    background: var(--ig-danger-soft);\n    border-color: rgba(180,35,24,0.22);\n    color: var(--ig-danger);\n  }\n\n  #ig-gmf-calculator .ig-progress-box {\n    margin-top: 18px;\n    padding: 16px;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    background: #fff;\n  }\n\n  #ig-gmf-calculator .ig-progress-head {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    margin-bottom: 10px;\n  }\n\n  #ig-gmf-calculator .ig-progress-head span {\n    color: var(--ig-muted);\n    font-size: 12px;\n    font-weight: 850;\n  }\n\n  #ig-gmf-calculator .ig-progress-head strong {\n    color: var(--ig-ink);\n    font-size: 14px;\n    font-weight: 900;\n    text-align: right;\n  }\n\n  #ig-gmf-calculator .ig-progress-track {\n    height: 12px;\n    overflow: hidden;\n    border-radius: 999px;\n    background: rgba(23,51,47,0.09);\n  }\n\n  #ig-gmf-calculator .ig-progress-fill {\n    display: block;\n    width: 0%;\n    height: 100%;\n    border-radius: inherit;\n    background: linear-gradient(90deg, var(--ig-accent), var(--ig-coral));\n    transition: width 260ms ease;\n  }\n\n  #ig-gmf-calculator .ig-list {\n    display: grid;\n    gap: 8px;\n    margin-top: 14px;\n    max-height: 230px;\n    overflow: auto;\n  }\n\n  #ig-gmf-calculator .ig-transaction-item {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    gap: 12px;\n    align-items: center;\n    padding: 10px;\n    border: 1px solid var(--ig-line);\n    border-radius: var(--ig-radius);\n    background: var(--ig-bg-a);\n  }\n\n  #ig-gmf-calculator .ig-transaction-item strong {\n    display: block;\n    color: var(--ig-ink);\n    font-size: 13px;\n    font-weight: 900;\n  }\n\n  #ig-gmf-calculator .ig-transaction-item span {\n    display: block;\n    margin-top: 2px;\n    color: var(--ig-muted);\n    font-size: 12px;\n    line-height: 1.35;\n  }\n\n  #ig-gmf-calculator .ig-remove {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    width: 34px;\n    height: 34px;\n    border: 1px solid rgba(180,35,24,0.2);\n    border-radius: var(--ig-radius);\n    background: #fff;\n    color: var(--ig-danger);\n    cursor: pointer;\n  }\n\n  #ig-gmf-calculator .ig-guide-grid {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 12px;\n  }\n\n  #ig-gmf-calculator .ig-guide-card {\n    position: relative;\n    padding: 18px;\n    overflow: hidden;\n    background: #fff;\n  }\n\n  #ig-gmf-calculator .ig-guide-card::before {\n    content: \"\";\n    position: absolute;\n    left: 0;\n    top: 0;\n    width: 100%;\n    height: 3px;\n    background: linear-gradient(90deg, var(--ig-accent), var(--ig-coral));\n  }\n\n  #ig-gmf-calculator .ig-guide-card h3 {\n    color: var(--ig-ink);\n    font-size: 16px;\n    line-height: 1.28;\n    font-weight: 900;\n  }\n\n  #ig-gmf-calculator .ig-guide-card p {\n    margin-top: 8px;\n    color: var(--ig-muted);\n    font-size: 13px;\n    line-height: 1.62;\n  }\n\n  #ig-gmf-calculator .ig-footer-note {\n    color: var(--ig-muted);\n    font-size: 12px;\n    line-height: 1.55;\n    text-align: center;\n    margin-top: 16px;\n  }\n\n  #ig-gmf-calculator .ig-hidden {\n    display: none !important;\n  }\n\n  #ig-gmf-calculator .ig-print-area {\n    display: none;\n  }\n\n  @keyframes ig-rise {\n    from { opacity: 0; transform: translateY(10px); }\n    to { opacity: 1; transform: translateY(0); }\n  }\n\n  @media (prefers-reduced-motion: reduce) {\n    #ig-gmf-calculator *,\n    #ig-gmf-calculator *::before,\n    #ig-gmf-calculator *::after {\n      animation-duration: 1ms !important;\n      transition-duration: 1ms !important;\n      scroll-behavior: auto !important;\n    }\n  }\n\n  @media (max-width: 920px) {\n    #ig-gmf-calculator .ig-hero,\n    #ig-gmf-calculator .ig-form-grid,\n    #ig-gmf-calculator .ig-form-grid.ig-three,\n    #ig-gmf-calculator .ig-result-grid,\n    #ig-gmf-calculator .ig-guide-grid {\n      grid-template-columns: 1fr;\n    }\n\n    #ig-gmf-calculator .ig-result-grid {\n      grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n  }\n\n  @media (max-width: 720px) {\n    #ig-gmf-calculator {\n      padding: 14px 0;\n    }\n\n    #ig-gmf-calculator .ig-wrap {\n      width: min(100% - 18px, 1120px);\n    }\n\n    #ig-gmf-calculator .ig-hero-main,\n    #ig-gmf-calculator .ig-card {\n      padding: 18px;\n    }\n\n    #ig-gmf-calculator .ig-hero-title {\n      font-size: 31px;\n    }\n\n    #ig-gmf-calculator .ig-tabs,\n    #ig-gmf-calculator .ig-options,\n    #ig-gmf-calculator .ig-rate-grid,\n    #ig-gmf-calculator .ig-result-grid {\n      grid-template-columns: 1fr;\n    }\n\n    #ig-gmf-calculator .ig-section-head,\n    #ig-gmf-calculator .ig-actions,\n    #ig-gmf-calculator .ig-progress-head {\n      align-items: stretch;\n      flex-direction: column;\n    }\n\n    #ig-gmf-calculator .ig-btn {\n      width: 100%;\n    }\n\n    #ig-gmf-calculator .ig-kpi strong {\n      font-size: 20px;\n    }\n\n    #ig-gmf-calculator .ig-option-body {\n      min-height: auto;\n    }\n  }\n\n  @media print {\n    body * {\n      visibility: hidden !important;\n    }\n    #ig-gmf-calculator,\n    #ig-gmf-calculator * {\n      visibility: visible !important;\n    }\n    #ig-gmf-calculator {\n      background: #fff !important;\n      padding: 0 !important;\n    }\n    #ig-gmf-calculator .ig-tabs,\n    #ig-gmf-calculator .ig-actions,\n    #ig-gmf-calculator .ig-form-grid,\n    #ig-gmf-calculator .ig-options,\n    #ig-gmf-calculator .ig-footer-note {\n      display: none !important;\n    }\n    #ig-gmf-calculator .ig-card,\n    #ig-gmf-calculator .ig-hero-main,\n    #ig-gmf-calculator .ig-hero-side {\n      box-shadow: none !important;\n    }\n  }\n<\/style>\n\n<div id=\"ig-gmf-calculator\">\n  <div class=\"ig-wrap\">\n    <section class=\"ig-hero\" aria-label=\"Calculadora 4x1000 Colombia\">\n      <div class=\"ig-hero-main\">\n        <span class=\"ig-eyebrow\">Calculadora financiera IG<\/span>\n        <h1 class=\"ig-hero-title\">Calcula el 4x1000 y revisa si tu movimiento <span>puede estar exento.<\/span><\/h1>\n        <p class=\"ig-hero-copy\">Simula el Gravamen a los Movimientos Financieros con reglas de 2026: tarifa del 0,4%, UVT vigente, l\u00edmite general de 350 UVT y escenario de dep\u00f3sitos de bajo monto.<\/p>\n      <\/div>\n\n      <aside class=\"ig-hero-side\" aria-label=\"Par\u00e1metros 2026\">\n        <h3>Par\u00e1metros usados<\/h3>\n        <div class=\"ig-rate-grid\">\n          <div class=\"ig-mini-stat\">\n            <span>Tarifa GMF<\/span>\n            <strong>0,4%<\/strong>\n            <small>4 pesos por cada $1.000.<\/small>\n          <\/div>\n          <div class=\"ig-mini-stat\">\n            <span>UVT 2026<\/span>\n            <strong>$52.374<\/strong>\n            <small>Base de topes tributarios.<\/small>\n          <\/div>\n          <div class=\"ig-mini-stat\">\n            <span>350 UVT<\/span>\n            <strong>$18.330.900<\/strong>\n            <small>Exenci\u00f3n general mensual.<\/small>\n          <\/div>\n          <div class=\"ig-mini-stat\">\n            <span>65 UVT<\/span>\n            <strong>$3.404.310<\/strong>\n            <small>Dep\u00f3sito de bajo monto.<\/small>\n          <\/div>\n        <\/div>\n      <\/aside>\n    <\/section>\n\n    <section class=\"ig-card\" aria-label=\"Modos de c\u00e1lculo\">\n      <div class=\"ig-tabs\" role=\"tablist\" aria-label=\"Seleccionar modo\">\n        <button type=\"button\" class=\"ig-tab is-active\" data-screen=\"quick\" role=\"tab\" aria-selected=\"true\">\n          <span class=\"ig-tab-icon\">$<\/span>\n          <span><strong>C\u00e1lculo r\u00e1pido<\/strong><small>Un movimiento gravado<\/small><\/span>\n        <\/button>\n        <button type=\"button\" class=\"ig-tab\" data-screen=\"exempt\" role=\"tab\" aria-selected=\"false\">\n          <span class=\"ig-tab-icon\">\u2713<\/span>\n          <span><strong>Cuenta exenta<\/strong><small>Acumulado y topes<\/small><\/span>\n        <\/button>\n        <button type=\"button\" class=\"ig-tab\" data-screen=\"guide\" role=\"tab\" aria-selected=\"false\">\n          <span class=\"ig-tab-icon\">i<\/span>\n          <span><strong>Gu\u00eda clara<\/strong><small>C\u00f3mo interpretar<\/small><\/span>\n        <\/button>\n      <\/div>\n\n      <div id=\"ig-gmf-alert\" class=\"ig-alert ig-hidden\" role=\"alert\" aria-live=\"polite\"><\/div>\n\n      <div id=\"ig-screen-quick\" class=\"ig-screen is-active\">\n        <div class=\"ig-section-head\">\n          <div>\n            <h2 class=\"ig-section-title\">\u00bfCu\u00e1nto te cobran de 4x1000?<\/h2>\n            <p class=\"ig-section-copy\">\u00dasalo cuando el movimiento sale de una cuenta no exenta o cuando quieres calcular el impuesto directo.<\/p>\n          <\/div>\n        <\/div>\n\n        <div class=\"ig-form-grid\">\n          <div class=\"ig-field\">\n            <label class=\"ig-label\" for=\"igQuickAmount\">Monto del movimiento<\/label>\n            <input id=\"igQuickAmount\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"Ej: 2.500.000\">\n            <p class=\"ig-help\">Acepta 2500000, 2.500.000, $2.500.000, 2,500,000 y decimales.<\/p>\n          <\/div>\n          <div class=\"ig-field\">\n            <label class=\"ig-label\" for=\"igQuickDirection\">Lectura del resultado<\/label>\n            <select id=\"igQuickDirection\">\n              <option value=\"debit\" selected>Retiro \/ transferencia \/ pago debitado<\/option>\n              <option value=\"net\">Quiero recibir un neto espec\u00edfico<\/option>\n            <\/select>\n            <p class=\"ig-help\">Si quieres recibir un neto exacto, la calculadora estima cu\u00e1nto deber\u00edas mover antes del impuesto.<\/p>\n          <\/div>\n        <\/div>\n\n        <div class=\"ig-result-grid\" id=\"igQuickResults\" aria-live=\"polite\">\n          <div class=\"ig-kpi\"><span>Monto digitado<\/span><strong id=\"igQuickGross\">$0<\/strong><\/div>\n          <div class=\"ig-kpi is-tax\"><span>Impuesto GMF<\/span><strong id=\"igQuickTax\">$0<\/strong><\/div>\n          <div class=\"ig-kpi is-ok\"><span>Neto estimado<\/span><strong id=\"igQuickNet\">$0<\/strong><\/div>\n          <div class=\"ig-kpi is-final\"><span>Tarifa aplicada<\/span><strong>4 x 1.000<\/strong><\/div>\n        <\/div>\n\n        <div class=\"ig-actions\">\n          <button type=\"button\" class=\"ig-btn ig-coral\" id=\"igQuickPdf\" disabled>Descargar PDF<\/button>\n          <button type=\"button\" class=\"ig-btn ig-secondary\" id=\"igQuickPrint\" disabled>Guardar como PDF \/ imprimir<\/button>\n          <button type=\"button\" class=\"ig-btn ig-secondary\" id=\"igQuickCopy\" disabled>Copiar enlace<\/button>\n          <button type=\"button\" class=\"ig-btn ig-secondary\" id=\"igQuickClear\">Limpiar<\/button>\n        <\/div>\n      <\/div>\n\n      <div id=\"ig-screen-exempt\" class=\"ig-screen\">\n        <div class=\"ig-section-head\">\n          <div>\n            <h2 class=\"ig-section-title\">Simula una cuenta con exenci\u00f3n mensual<\/h2>\n            <p class=\"ig-section-copy\">Calcula cu\u00e1nto queda libre, cu\u00e1nto se grava y c\u00f3mo cambia el resultado si ya has movido dinero este mes.<\/p>\n          <\/div>\n        <\/div>\n\n        <div class=\"ig-field\" style=\"margin-bottom:14px;\">\n          <span class=\"ig-label\">Tipo de producto o escenario<\/span>\n          <div class=\"ig-options\">\n            <label class=\"ig-option\">\n              <input type=\"radio\" name=\"igExemptMode\" value=\"general\" checked>\n              <span class=\"ig-option-body\"><strong>Exenci\u00f3n general 350 UVT<\/strong><small>Cuentas de ahorro, dep\u00f3sitos electr\u00f3nicos o tarjetas prepago con l\u00edmite mensual general.<\/small><\/span>\n            <\/label>\n            <label class=\"ig-option\">\n              <input type=\"radio\" name=\"igExemptMode\" value=\"low\">\n              <span class=\"ig-option-body\"><strong>Dep\u00f3sito bajo monto 65 UVT<\/strong><small>Escenario especial para dep\u00f3sitos de bajo monto de persona natural.<\/small><\/span>\n            <\/label>\n            <label class=\"ig-option\">\n              <input type=\"radio\" name=\"igExemptMode\" value=\"taxed\">\n              <span class=\"ig-option-body\"><strong>Cuenta no exenta<\/strong><small>Todo el movimiento se trata como gravado al 0,4%.<\/small><\/span>\n            <\/label>\n          <\/div>\n        <\/div>\n\n        <div class=\"ig-form-grid ig-three\">\n          <div class=\"ig-field\">\n            <label class=\"ig-label\" for=\"igExemptPrevious\">Movimientos d\u00e9bito previos del mes<\/label>\n            <input id=\"igExemptPrevious\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"Ej: 6.000.000\">\n            <p class=\"ig-help\">Retiros, transferencias, pagos o d\u00e9bitos ya realizados.<\/p>\n          <\/div>\n          <div class=\"ig-field\">\n            <label class=\"ig-label\" for=\"igExemptAmount\">Nuevo movimiento<\/label>\n            <input id=\"igExemptAmount\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"Ej: 1.000.000\">\n            <p class=\"ig-help\">El movimiento que quieres simular ahora.<\/p>\n          <\/div>\n          <div class=\"ig-field\">\n            <label class=\"ig-label\" for=\"igCrossMethod\">M\u00e9todo al cruzar el tope<\/label>\n            <select id=\"igCrossMethod\">\n              <option value=\"excess\" selected>Gravar solo el excedente del tope<\/option>\n              <option value=\"full\">Gravar toda la transacci\u00f3n que cruza el tope<\/option>\n            <\/select>\n            <p class=\"ig-help\">\u00datil porque algunas entidades pueden mostrar el cobro de forma distinta.<\/p>\n          <\/div>\n        <\/div>\n\n        <div class=\"ig-result-grid\" aria-live=\"polite\">\n          <div class=\"ig-kpi\"><span>L\u00edmite aplicable<\/span><strong id=\"igLimitValue\">$18.330.900<\/strong><\/div>\n          <div class=\"ig-kpi is-ok\"><span>Libre antes del cobro<\/span><strong id=\"igRemainingValue\">$18.330.900<\/strong><\/div>\n          <div class=\"ig-kpi is-tax\"><span>Base gravada<\/span><strong id=\"igTaxableBase\">$0<\/strong><\/div>\n          <div class=\"ig-kpi is-final\"><span>4x1000 estimado<\/span><strong id=\"igExemptTax\">$0<\/strong><\/div>\n        <\/div>\n\n        <div class=\"ig-progress-box\">\n          <div class=\"ig-progress-head\">\n            <span>Uso del l\u00edmite mensual<\/span>\n            <strong id=\"igProgressLabel\">0% usado<\/strong>\n          <\/div>\n          <div class=\"ig-progress-track\"><span id=\"igProgressFill\" class=\"ig-progress-fill\"><\/span><\/div>\n          <div id=\"igExemptMessage\" class=\"ig-alert\" style=\"margin-top:14px;\"><\/div>\n        <\/div>\n\n        <div class=\"ig-actions\">\n          <button type=\"button\" class=\"ig-btn\" id=\"igAddTransaction\">Agregar al acumulado<\/button>\n          <button type=\"button\" class=\"ig-btn ig-coral\" id=\"igExemptPdf\" disabled>Descargar PDF<\/button>\n          <button type=\"button\" class=\"ig-btn ig-secondary\" id=\"igExemptPrint\" disabled>Guardar como PDF \/ imprimir<\/button>\n          <button type=\"button\" class=\"ig-btn ig-secondary\" id=\"igExemptCopy\" disabled>Copiar enlace<\/button>\n          <button type=\"button\" class=\"ig-btn ig-secondary\" id=\"igExemptClear\">Limpiar<\/button>\n        <\/div>\n\n        <div id=\"igTransactionList\" class=\"ig-list ig-hidden\" aria-live=\"polite\"><\/div>\n      <\/div>\n\n      <div id=\"ig-screen-guide\" class=\"ig-screen\">\n        <div class=\"ig-section-head\">\n          <div>\n            <h2 class=\"ig-section-title\">C\u00f3mo leer el 4x1000 sin confundirte<\/h2>\n            <p class=\"ig-section-copy\">La calculadora separa impuesto directo, exenci\u00f3n general y dep\u00f3sitos de bajo monto para evitar mezclar reglas.<\/p>\n          <\/div>\n        <\/div>\n\n        <div class=\"ig-guide-grid\">\n          <article class=\"ig-guide-card\">\n            <h3>1. El impuesto base es simple<\/h3>\n            <p>La tarifa general del GMF es 4 x 1.000, equivalente al 0,4% sobre el valor total de la disposici\u00f3n de recursos.<\/p>\n          <\/article>\n          <article class=\"ig-guide-card\">\n            <h3>2. La exenci\u00f3n depende del acumulado<\/h3>\n            <p>La exenci\u00f3n general usa el tope mensual de 350 UVT. En 2026 equivale a $18.330.900, calculado con UVT de $52.374.<\/p>\n          <\/article>\n          <article class=\"ig-guide-card\">\n            <h3>3. No todo producto usa el mismo tope<\/h3>\n            <p>Los dep\u00f3sitos de bajo monto tienen una regla especial de 65 UVT, equivalente a $3.404.310 para 2026.<\/p>\n          <\/article>\n        <\/div>\n\n        <div class=\"ig-alert is-warning\">\n          <span>\u26a0\ufe0f<\/span>\n          <div>Esta herramienta es educativa. La liquidaci\u00f3n real puede variar por la implementaci\u00f3n de cada entidad, el tipo de producto, la marcaci\u00f3n de exenci\u00f3n, el acumulado mensual y otras exenciones espec\u00edficas del Estatuto Tributario.<\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <p class=\"ig-footer-note\">InversionesGuru Colombia \u00b7 Calculadora informativa \u00b7 URL: https:\/\/inversionesguru.com\/co\/<\/p>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  'use strict';\n\n  const root = document.getElementById('ig-gmf-calculator');\n  if (!root || root.dataset.igReady === 'true') return;\n  root.dataset.igReady = 'true';\n\n  const CONFIG = {\n    year: 2026,\n    uvt: 52374,\n    taxRate: 0.004,\n    generalLimitUVT: 350,\n    lowValueLimitUVT: 65,\n    url: 'https:\/\/inversionesguru.com\/co\/',\n    pdfFileQuick: 'reporte-4x1000-colombia.pdf',\n    pdfFileExempt: 'reporte-4x1000-exencion-colombia.pdf'\n  };\n\n  CONFIG.generalLimit = CONFIG.uvt * CONFIG.generalLimitUVT;\n  CONFIG.lowValueLimit = CONFIG.uvt * CONFIG.lowValueLimitUVT;\n\n  const $ = (sel) => root.querySelector(sel);\n  const $$ = (sel) => Array.from(root.querySelectorAll(sel));\n\n  let lastQuickReport = null;\n  let lastExemptReport = null;\n  let transactionRows = [];\n\n  function fmt(value, decimals) {\n    return new Intl.NumberFormat('es-CO', {\n      style: 'currency',\n      currency: 'COP',\n      minimumFractionDigits: decimals ? 2 : 0,\n      maximumFractionDigits: decimals ? 2 : 0\n    }).format(Number(value) || 0);\n  }\n\n  function fmtPct(value) {\n    return (Number(value) || 0).toLocaleString('es-CO', { maximumFractionDigits: 1 }) + '%';\n  }\n\n  function parseMoney(raw) {\n    let value = String(raw || '').trim();\n    if (!value) return 0;\n    value = value.replace(\/\\s\/g, '').replace(\/[$COPcop]\/g, '');\n    const hasComma = value.includes(',');\n    const hasDot = value.includes('.');\n\n    if (hasComma && hasDot) {\n      const lastComma = value.lastIndexOf(',');\n      const lastDot = value.lastIndexOf('.');\n      const decimalSep = lastComma > lastDot ? ',' : '.';\n      const thousandsSep = decimalSep === ',' ? '.' : ',';\n      value = value.split(thousandsSep).join('').replace(decimalSep, '.');\n    } else if (hasComma) {\n      const parts = value.split(',');\n      if (parts.length > 2 || (parts[1] && parts[1].length === 3 && parts[0].length <= 3)) {\n        value = value.replace(\/,\/g, '');\n      } else {\n        value = value.replace(',', '.');\n      }\n    } else if (hasDot) {\n      const parts = value.split('.');\n      if (parts.length > 2 || (parts[1] && parts[1].length === 3 && parts[0].length <= 3)) {\n        value = value.replace(\/\\.\/g, '');\n      }\n    }\n\n    value = value.replace(\/[^0-9.\\-]\/g, '');\n    const n = Number(value);\n    return Number.isFinite(n) && n > 0 ? n : 0;\n  }\n\n  function formatInput(el) {\n    if (!el) return;\n    const value = parseMoney(el.value);\n    if (!value) {\n      el.value = '';\n      return;\n    }\n    el.value = new Intl.NumberFormat('es-CO', { maximumFractionDigits: 0 }).format(Math.round(value));\n  }\n\n  function bindMoneyInput(el, callback) {\n    if (!el) return;\n    el.addEventListener('input', () => {\n      const rawDigits = String(el.value || '').replace(\/[^0-9]\/g, '');\n      el.value = rawDigits ? new Intl.NumberFormat('es-CO').format(Number(rawDigits)) : '';\n      if (callback) callback();\n    });\n    el.addEventListener('blur', () => {\n      formatInput(el);\n      if (callback) callback();\n    });\n  }\n\n  function showGlobalAlert(message, type) {\n    const box = $('#ig-gmf-alert');\n    if (!box) return;\n    if (!message) {\n      box.classList.add('ig-hidden');\n      box.innerHTML = '';\n      return;\n    }\n    box.className = 'ig-alert ' + (type === 'danger' ? 'is-danger' : type === 'warning' ? 'is-warning' : '');\n    box.innerHTML = '<span>' + (type === 'danger' ? '\u274c' : '\u2139\ufe0f') + '<\/span><div>' + message + '<\/div>';\n    box.classList.remove('ig-hidden');\n  }\n\n  function getModeLimit(mode) {\n    if (mode === 'low') return CONFIG.lowValueLimit;\n    if (mode === 'taxed') return 0;\n    return CONFIG.generalLimit;\n  }\n\n  function getModeLabel(mode) {\n    if (mode === 'low') return 'Dep\u00f3sito bajo monto 65 UVT';\n    if (mode === 'taxed') return 'Cuenta no exenta';\n    return 'Exenci\u00f3n general 350 UVT';\n  }\n\n  function calcQuick() {\n    const amount = parseMoney($('#igQuickAmount')?.value);\n    const direction = $('#igQuickDirection')?.value || 'debit';\n    let gross = amount;\n    let tax = amount * CONFIG.taxRate;\n    let net = amount - tax;\n\n    if (direction === 'net') {\n      net = amount;\n      gross = amount \/ (1 - CONFIG.taxRate);\n      tax = gross - net;\n    }\n\n    $('#igQuickGross').textContent = fmt(gross);\n    $('#igQuickTax').textContent = fmt(tax);\n    $('#igQuickNet').textContent = fmt(net);\n\n    const enabled = amount > 0;\n    ['#igQuickPdf', '#igQuickPrint', '#igQuickCopy'].forEach(sel => {\n      const btn = $(sel);\n      if (btn) btn.disabled = !enabled;\n    });\n\n    lastQuickReport = enabled ? {\n      type: 'quick',\n      title: 'Reporte 4x1000 - c\u00e1lculo r\u00e1pido',\n      scenario: direction === 'net' ? 'Neto deseado' : 'Movimiento gravado',\n      gross,\n      tax,\n      net,\n      limit: 0,\n      taxableBase: gross,\n      message: direction === 'net'\n        ? 'Para recibir el neto indicado, se estima el movimiento bruto antes de GMF.'\n        : 'Movimiento tratado como gravado al 0,4%.'\n    } : null;\n  }\n\n  function getExemptMode() {\n    const checked = root.querySelector('input[name=\"igExemptMode\"]:checked');\n    return checked ? checked.value : 'general';\n  }\n\n  function calcExempt() {\n    const mode = getExemptMode();\n    const previous = parseMoney($('#igExemptPrevious')?.value);\n    const amount = parseMoney($('#igExemptAmount')?.value);\n    const method = $('#igCrossMethod')?.value || 'excess';\n    const limit = getModeLimit(mode);\n    let taxableBase = 0;\n    let remainingBefore = Math.max(0, limit - previous);\n    let message = '';\n    let messageClass = '';\n\n    if (mode === 'taxed') {\n      taxableBase = amount;\n      remainingBefore = 0;\n      message = 'Cuenta no exenta: el movimiento se calcula como gravado al 0,4%.';\n      messageClass = 'is-danger';\n    } else {\n      const totalAfter = previous + amount;\n      if (totalAfter <= limit) {\n        taxableBase = 0;\n        message = 'Este movimiento queda dentro del l\u00edmite mensual seleccionado. GMF estimado: $0.';\n        messageClass = '';\n      } else if (method === 'full') {\n        taxableBase = amount;\n        message = 'El acumulado supera el l\u00edmite. En modo conservador, esta transacci\u00f3n completa se trata como gravada.';\n        messageClass = 'is-warning';\n      } else {\n        taxableBase = Math.min(amount, Math.max(0, totalAfter - limit));\n        message = 'El acumulado supera el l\u00edmite. Se grava \u00fanicamente la parte que excede el tope en esta simulaci\u00f3n.';\n        messageClass = 'is-warning';\n      }\n    }\n\n    const tax = taxableBase * CONFIG.taxRate;\n    const net = amount - tax;\n    const totalAfter = previous + amount;\n    const progress = limit > 0 ? Math.min(100, (totalAfter \/ limit) * 100) : 100;\n\n    $('#igLimitValue').textContent = mode === 'taxed' ? 'No aplica' : fmt(limit);\n    $('#igRemainingValue').textContent = mode === 'taxed' ? '$0' : fmt(Math.max(0, limit - previous));\n    $('#igTaxableBase').textContent = fmt(taxableBase);\n    $('#igExemptTax').textContent = fmt(tax);\n    $('#igProgressLabel').textContent = mode === 'taxed' ? 'Sin exenci\u00f3n' : fmtPct(progress) + ' usado';\n    $('#igProgressFill').style.width = mode === 'taxed' ? '100%' : progress + '%';\n\n    const box = $('#igExemptMessage');\n    box.className = 'ig-alert ' + messageClass;\n    box.innerHTML = '<span>' + (messageClass === 'is-danger' ? '\u26a0\ufe0f' : messageClass === 'is-warning' ? '\u2139\ufe0f' : '\u2713') + '<\/span><div>' + message + '<\/div>';\n\n    const enabled = amount > 0;\n    ['#igExemptPdf', '#igExemptPrint', '#igExemptCopy'].forEach(sel => {\n      const btn = $(sel);\n      if (btn) btn.disabled = !enabled;\n    });\n\n    lastExemptReport = enabled ? {\n      type: 'exempt',\n      title: 'Reporte 4x1000 - exenci\u00f3n mensual',\n      scenario: getModeLabel(mode),\n      previous,\n      amount,\n      limit,\n      remainingBefore,\n      taxableBase,\n      tax,\n      net,\n      totalAfter,\n      method: method === 'full' ? 'Conservador: grava toda la transacci\u00f3n que cruza el tope' : 'Excedente: grava solo la parte que supera el tope',\n      message\n    } : null;\n\n    return lastExemptReport;\n  }\n\n  function addTransaction() {\n    const report = calcExempt();\n    if (!report || !report.amount) {\n      showGlobalAlert('Ingresa un nuevo movimiento para agregarlo al acumulado.', 'warning');\n      return;\n    }\n\n    const nextPrevious = report.totalAfter;\n    transactionRows.push({\n      amount: report.amount,\n      tax: report.tax,\n      taxableBase: report.taxableBase,\n      mode: report.scenario,\n      after: report.totalAfter\n    });\n\n    $('#igExemptPrevious').value = new Intl.NumberFormat('es-CO').format(Math.round(nextPrevious));\n    $('#igExemptAmount').value = '';\n    renderTransactionList();\n    calcExempt();\n    showGlobalAlert('Movimiento agregado al acumulado del mes.', '');\n  }\n\n  function renderTransactionList() {\n    const list = $('#igTransactionList');\n    if (!list) return;\n    if (!transactionRows.length) {\n      list.classList.add('ig-hidden');\n      list.innerHTML = '';\n      return;\n    }\n    list.classList.remove('ig-hidden');\n    list.innerHTML = transactionRows.map((row, index) => (\n      '<div class=\"ig-transaction-item\">' +\n        '<div><strong>Movimiento #' + (index + 1) + ': ' + fmt(row.amount) + '<\/strong>' +\n        '<span>Base gravada: ' + fmt(row.taxableBase) + ' \u00b7 GMF: ' + fmt(row.tax) + ' \u00b7 Acumulado: ' + fmt(row.after) + '<\/span><\/div>' +\n        '<button type=\"button\" class=\"ig-remove\" data-index=\"' + index + '\" aria-label=\"Eliminar movimiento\">\u00d7<\/button>' +\n      '<\/div>'\n    )).join('');\n  }\n\n  function clearQuick() {\n    $('#igQuickAmount').value = '';\n    $('#igQuickDirection').value = 'debit';\n    lastQuickReport = null;\n    calcQuick();\n    showGlobalAlert('', '');\n  }\n\n  function clearExempt() {\n    $('#igExemptPrevious').value = '';\n    $('#igExemptAmount').value = '';\n    $('#igCrossMethod').value = 'excess';\n    const general = root.querySelector('input[name=\"igExemptMode\"][value=\"general\"]');\n    if (general) general.checked = true;\n    transactionRows = [];\n    renderTransactionList();\n    lastExemptReport = null;\n    calcExempt();\n    showGlobalAlert('', '');\n  }\n\n  function buildUrl(report) {\n    const params = new URLSearchParams();\n    params.set('igcalc', '4x1000');\n    if (report.type === 'quick') {\n      params.set('modo', 'rapido');\n      params.set('monto', Math.round(report.scenario === 'Neto deseado' ? report.net : report.gross));\n    } else {\n      params.set('modo', 'exencion');\n      params.set('escenario', report.scenario);\n      params.set('previo', Math.round(report.previous));\n      params.set('monto', Math.round(report.amount));\n    }\n    return location.origin + location.pathname + '?' + params.toString();\n  }\n\n  function copyUrl(report) {\n    if (!report) return;\n    const url = buildUrl(report);\n    if (navigator.clipboard && navigator.clipboard.writeText) {\n      navigator.clipboard.writeText(url).then(() => {\n        history.replaceState(null, '', url);\n        showGlobalAlert('Enlace copiado con los datos principales de la simulaci\u00f3n.', '');\n      }).catch(() => fallbackCopy(url));\n    } else {\n      fallbackCopy(url);\n    }\n  }\n\n  function fallbackCopy(url) {\n    const input = document.createElement('input');\n    input.value = url;\n    document.body.appendChild(input);\n    input.select();\n    document.execCommand('copy');\n    input.remove();\n    history.replaceState(null, '', url);\n    showGlobalAlert('Enlace copiado con los datos principales de la simulaci\u00f3n.', '');\n  }\n\n  function ensureJsPdf() {\n    if (window.jspdf && window.jspdf.jsPDF) return Promise.resolve(window.jspdf.jsPDF);\n    return new Promise((resolve, reject) => {\n      const existing = document.querySelector('script[data-ig-jspdf=\"true\"]');\n      if (existing) {\n        existing.addEventListener('load', () => resolve(window.jspdf.jsPDF), { once: true });\n        existing.addEventListener('error', reject, { once: true });\n        return;\n      }\n      const script = document.createElement('script');\n      script.src = 'https:\/\/cdn.jsdelivr.net\/npm\/jspdf@2.5.1\/dist\/jspdf.umd.min.js';\n      script.async = true;\n      script.dataset.igJspdf = 'true';\n      script.onload = () => resolve(window.jspdf.jsPDF);\n      script.onerror = reject;\n      document.head.appendChild(script);\n    });\n  }\n\n  function exportPdf(report, filename) {\n    if (!report) return;\n    ensureJsPdf().then(jsPDF => {\n      const doc = new jsPDF({ unit: 'mm', format: 'a4' });\n      const margin = 18;\n      let y = 0;\n\n      function decorate() {\n        doc.setFillColor(15, 159, 122);\n        doc.roundedRect(margin, 12, 12, 12, 2, 2, 'F');\n        doc.setTextColor(255, 255, 255);\n        doc.setFontSize(8);\n        doc.setFont('helvetica', 'bold');\n        doc.text('IG', margin + 3.1, 19.6);\n\n        doc.setTextColor(23, 51, 47);\n        doc.setFontSize(11);\n        doc.text('InversionesGuru', margin + 16, 17);\n        doc.setTextColor(91, 111, 104);\n        doc.setFontSize(8);\n        doc.setFont('helvetica', 'normal');\n        doc.text(CONFIG.url, margin + 16, 22);\n\n        doc.setTextColor(226, 239, 234);\n        doc.setFontSize(19);\n        doc.setFont('helvetica', 'bold');\n        doc.text('inversionesguru.com\/co\/', 34, 166, { angle: 32 });\n        doc.text('inversionesguru.com\/co\/', 70, 235, { angle: 32 });\n\n        doc.setDrawColor(215, 228, 223);\n        doc.line(margin, 28, 210 - margin, 28);\n        y = 38;\n      }\n\n      function next(required) {\n        if (y + required > 282) {\n          doc.addPage();\n          decorate();\n        }\n      }\n\n      function title(text) {\n        next(16);\n        doc.setTextColor(23, 51, 47);\n        doc.setFont('helvetica', 'bold');\n        doc.setFontSize(17);\n        doc.text(text, margin, y);\n        y += 11;\n      }\n\n      function p(text) {\n        next(10);\n        doc.setTextColor(91, 111, 104);\n        doc.setFont('helvetica', 'normal');\n        doc.setFontSize(9);\n        const lines = doc.splitTextToSize(String(text || ''), 174);\n        doc.text(lines, margin, y);\n        y += lines.length * 5 + 3;\n      }\n\n      function row(label, value) {\n        next(9);\n        doc.setFillColor(239, 251, 246);\n        doc.roundedRect(margin, y - 4, 174, 8, 1.8, 1.8, 'F');\n        doc.setTextColor(91, 111, 104);\n        doc.setFontSize(8.2);\n        doc.setFont('helvetica', 'normal');\n        doc.text(String(label), margin + 3, y + 1);\n        doc.setTextColor(23, 51, 47);\n        doc.setFont('helvetica', 'bold');\n        doc.text(String(value), 210 - margin - 3, y + 1, { align: 'right' });\n        y += 10;\n      }\n\n      decorate();\n      title(report.title || 'Reporte 4x1000 Colombia');\n      p('C\u00e1lculo informativo del Gravamen a los Movimientos Financieros. No reemplaza la liquidaci\u00f3n real de una entidad financiera ni una asesor\u00eda tributaria.');\n      row('Fecha del reporte', new Date().toLocaleString('es-CO'));\n      row('Tarifa GMF', '0,4% \/ 4 x 1.000');\n      row('UVT 2026', fmt(CONFIG.uvt));\n      row('Exenci\u00f3n general 350 UVT', fmt(CONFIG.generalLimit));\n      row('Dep\u00f3sito bajo monto 65 UVT', fmt(CONFIG.lowValueLimit));\n      row('Escenario', report.scenario || 'N\/A');\n\n      if (report.type === 'quick') {\n        row('Monto bruto estimado', fmt(report.gross));\n        row('GMF estimado', fmt(report.tax));\n        row('Neto estimado', fmt(report.net));\n      } else {\n        row('Movimientos previos del mes', fmt(report.previous));\n        row('Nuevo movimiento', fmt(report.amount));\n        row('L\u00edmite aplicable', report.limit ? fmt(report.limit) : 'No aplica');\n        row('Base gravada', fmt(report.taxableBase));\n        row('GMF estimado', fmt(report.tax));\n        row('Neto estimado', fmt(report.net));\n        row('Acumulado posterior', fmt(report.totalAfter));\n        row('M\u00e9todo de cruce', report.method);\n      }\n\n      p(report.message || '');\n      p('Marca de agua y sello visual: InversionesGuru Colombia \u00b7 ' + CONFIG.url);\n      doc.save(filename || 'reporte-4x1000-colombia.pdf');\n    }).catch(() => {\n      printReport(report);\n    });\n  }\n\n  function printReport(report) {\n    if (!report) return;\n    const previousTitle = document.title;\n    document.title = 'Reporte 4x1000 - InversionesGuru';\n    const printWindow = window.open('', '_blank');\n    if (!printWindow) {\n      window.print();\n      document.title = previousTitle;\n      return;\n    }\n    const rows = [];\n    rows.push(['Tarifa GMF', '0,4% \/ 4 x 1.000']);\n    rows.push(['UVT 2026', fmt(CONFIG.uvt)]);\n    rows.push(['Exenci\u00f3n general 350 UVT', fmt(CONFIG.generalLimit)]);\n    rows.push(['Dep\u00f3sito bajo monto 65 UVT', fmt(CONFIG.lowValueLimit)]);\n    rows.push(['Escenario', report.scenario || 'N\/A']);\n    if (report.type === 'quick') {\n      rows.push(['Monto bruto estimado', fmt(report.gross)]);\n      rows.push(['GMF estimado', fmt(report.tax)]);\n      rows.push(['Neto estimado', fmt(report.net)]);\n    } else {\n      rows.push(['Movimientos previos del mes', fmt(report.previous)]);\n      rows.push(['Nuevo movimiento', fmt(report.amount)]);\n      rows.push(['L\u00edmite aplicable', report.limit ? fmt(report.limit) : 'No aplica']);\n      rows.push(['Base gravada', fmt(report.taxableBase)]);\n      rows.push(['GMF estimado', fmt(report.tax)]);\n      rows.push(['Neto estimado', fmt(report.net)]);\n      rows.push(['Acumulado posterior', fmt(report.totalAfter)]);\n      rows.push(['M\u00e9todo de cruce', report.method]);\n    }\n    printWindow.document.write('<!doctype html><html><head><title>Reporte 4x1000 IG<\/title><style>body{font-family:Inter,Arial,sans-serif;color:#17332f;padding:28px} .brand{display:flex;gap:10px;align-items:center;margin-bottom:20px}.logo{background:#0f9f7a;color:white;border-radius:8px;padding:9px 10px;font-weight:900} h1{font-size:26px} table{width:100%;border-collapse:collapse;margin-top:18px}td{padding:10px;border-bottom:1px solid #d7e4df}td:last-child{text-align:right;font-weight:800}.watermark{position:fixed;top:45%;left:12%;font-size:42px;color:#e2efea;transform:rotate(-28deg);z-index:-1;font-weight:900}<\/style><\/head><body><div class=\"watermark\">inversionesguru.com\/co\/<\/div><div class=\"brand\"><span class=\"logo\">IG<\/span><div><strong>InversionesGuru<\/strong><br><span>' + CONFIG.url + '<\/span><\/div><\/div><h1>' + (report.title || 'Reporte 4x1000 Colombia') + '<\/h1><p>' + (report.message || '') + '<\/p><table>' + rows.map(r => '<tr><td>' + r[0] + '<\/td><td>' + r[1] + '<\/td><\/tr>').join('') + '<\/table><p style=\"margin-top:24px;color:#5b6f68;font-size:12px\">C\u00e1lculo informativo. No reemplaza la liquidaci\u00f3n real de una entidad financiera.<\/p><\/body><\/html>');\n    printWindow.document.close();\n    printWindow.focus();\n    printWindow.print();\n    document.title = previousTitle;\n  }\n\n  function applyParams() {\n    const q = new URLSearchParams(location.search);\n    if (q.get('igcalc') !== '4x1000') return;\n    const modo = q.get('modo');\n    const monto = q.get('monto');\n    if (modo === 'rapido' && monto) {\n      switchScreen('quick');\n      $('#igQuickAmount').value = new Intl.NumberFormat('es-CO').format(Number(monto));\n      calcQuick();\n    }\n    if (modo === 'exencion' && monto) {\n      switchScreen('exempt');\n      $('#igExemptAmount').value = new Intl.NumberFormat('es-CO').format(Number(monto));\n      if (q.get('previo')) $('#igExemptPrevious').value = new Intl.NumberFormat('es-CO').format(Number(q.get('previo')));\n      calcExempt();\n    }\n  }\n\n  function switchScreen(screen) {\n    $$('.ig-tab').forEach(tab => {\n      const active = tab.dataset.screen === screen;\n      tab.classList.toggle('is-active', active);\n      tab.setAttribute('aria-selected', active ? 'true' : 'false');\n    });\n    $$('.ig-screen').forEach(panel => panel.classList.remove('is-active'));\n    const target = $('#ig-screen-' + screen);\n    if (target) target.classList.add('is-active');\n    showGlobalAlert('', '');\n  }\n\n  $$('.ig-tab').forEach(tab => {\n    tab.addEventListener('click', () => switchScreen(tab.dataset.screen));\n  });\n\n  bindMoneyInput($('#igQuickAmount'), calcQuick);\n  bindMoneyInput($('#igExemptPrevious'), calcExempt);\n  bindMoneyInput($('#igExemptAmount'), calcExempt);\n\n  $('#igQuickDirection')?.addEventListener('change', calcQuick);\n  $('#igCrossMethod')?.addEventListener('change', calcExempt);\n  $$('input[name=\"igExemptMode\"]').forEach(r => r.addEventListener('change', calcExempt));\n\n  $('#igAddTransaction')?.addEventListener('click', addTransaction);\n  $('#igQuickClear')?.addEventListener('click', clearQuick);\n  $('#igExemptClear')?.addEventListener('click', clearExempt);\n\n  $('#igQuickPdf')?.addEventListener('click', () => exportPdf(lastQuickReport, CONFIG.pdfFileQuick));\n  $('#igQuickPrint')?.addEventListener('click', () => printReport(lastQuickReport));\n  $('#igQuickCopy')?.addEventListener('click', () => copyUrl(lastQuickReport));\n\n  $('#igExemptPdf')?.addEventListener('click', () => exportPdf(lastExemptReport, CONFIG.pdfFileExempt));\n  $('#igExemptPrint')?.addEventListener('click', () => printReport(lastExemptReport));\n  $('#igExemptCopy')?.addEventListener('click', () => copyUrl(lastExemptReport));\n\n  $('#igTransactionList')?.addEventListener('click', (event) => {\n    const btn = event.target.closest('.ig-remove');\n    if (!btn) return;\n    const index = Number(btn.dataset.index);\n    transactionRows.splice(index, 1);\n    let sum = 0;\n    transactionRows = transactionRows.map(row => {\n      sum += row.amount;\n      return { ...row, after: sum };\n    });\n    $('#igExemptPrevious').value = sum ? new Intl.NumberFormat('es-CO').format(Math.round(sum)) : '';\n    renderTransactionList();\n    calcExempt();\n  });\n\n  calcQuick();\n  calcExempt();\n  applyParams();\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-f3fd9eb e-flex e-con-boxed e-con e-parent\" data-id=\"f3fd9eb\" 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-37ea097 elementor-widget elementor-widget-text-editor\" data-id=\"37ea097\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"0\" data-end=\"92\"><span style=\"color: #000000;\">Calculadora del <strong data-start=\"18\" data-end=\"46\">4&#215;1000 en Colombia (GMF)<\/strong>: entiende el impuesto y calc\u00falalo en segundos<\/span><\/h2><p data-start=\"94\" data-end=\"309\"><span style=\"color: #000000;\">\u00bfHiciste una transferencia, un retiro o pagaste algo con tu cuenta y viste un descuento peque\u00f1o? Ese \u201cmisterioso\u201d cobro suele ser el <strong data-start=\"227\" data-end=\"237\">4&#215;1000<\/strong>, oficialmente llamado <strong data-start=\"260\" data-end=\"308\">Gravamen a los Movimientos Financieros (GMF)<\/strong>.<\/span><\/p><p data-start=\"311\" data-end=\"429\"><span style=\"color: #000000;\">La buena noticia: <strong data-start=\"329\" data-end=\"357\">es muy f\u00e1cil de calcular<\/strong> y, en algunos casos, <strong data-start=\"379\" data-end=\"402\">puedes estar exento<\/strong> dentro de un tope mensual.<\/span><\/p><hr data-start=\"431\" data-end=\"434\" \/><h2 data-start=\"436\" data-end=\"467\"><span style=\"color: #000000;\">\u00bfQu\u00e9 es el <strong data-start=\"450\" data-end=\"466\">4&#215;1000 (GMF)<\/strong>?<\/span><\/h2><p data-start=\"469\" data-end=\"800\"><span style=\"color: #000000;\">El <strong data-start=\"472\" data-end=\"479\">GMF<\/strong> es un impuesto nacional que se genera cuando haces <strong data-start=\"531\" data-end=\"560\">transacciones financieras<\/strong> donde se \u201cdisponen\u201d recursos (por ejemplo, retiros, transferencias, pagos, etc.). Su <strong data-start=\"646\" data-end=\"654\">base<\/strong> es el <strong data-start=\"661\" data-end=\"694\">valor total de la transacci\u00f3n<\/strong>, y la <strong data-start=\"701\" data-end=\"719\">tarifa general<\/strong> es <strong data-start=\"723\" data-end=\"743\">4 por cada 1.000<\/strong> (o sea, <strong data-start=\"752\" data-end=\"760\">0,4%<\/strong>).<\/span><\/p><p data-start=\"802\" data-end=\"890\"><span style=\"color: #000000;\">En palabras simples:<\/span><br data-start=\"822\" data-end=\"825\" \/><span style=\"color: #000000;\">si mueves <strong data-start=\"835\" data-end=\"849\">$1.000.000<\/strong>, el 4&#215;1000 normalmente ser\u00eda <strong data-start=\"879\" data-end=\"889\">$4.000<\/strong>.<\/span><\/p><hr data-start=\"892\" data-end=\"895\" \/><h2 data-start=\"897\" data-end=\"926\"><span style=\"color: #000000;\">\u00bfPor qu\u00e9 existe el 4&#215;1000?<\/span><\/h2><p data-start=\"928\" data-end=\"1140\"><span style=\"color: #000000;\">Este impuesto naci\u00f3 como una medida para recaudar recursos en una coyuntura financiera a finales de los 90 y, con el tiempo, se mantuvo como una fuente de recaudo del Estado.<\/span><\/p><hr data-start=\"1142\" data-end=\"1145\" \/><h2 data-start=\"1147\" data-end=\"1201\"><span style=\"color: #000000;\">Exenci\u00f3n del 4&#215;1000: <strong data-start=\"1171\" data-end=\"1201\">el tope mensual de 350 UVT<\/strong><\/span><\/h2><p data-start=\"1203\" data-end=\"1407\"><span style=\"color: #000000;\">Aqu\u00ed viene lo que m\u00e1s le interesa a la gente: <strong data-start=\"1249\" data-end=\"1275\">s\u00ed existe una exenci\u00f3n<\/strong> para ciertos retiros\/movimientos (seg\u00fan condiciones), <strong data-start=\"1330\" data-end=\"1368\">hasta un l\u00edmite mensual de 350 UVT<\/strong>.<\/span><\/p><h3 data-start=\"1409\" data-end=\"1438\"><span style=\"color: #000000;\">\u2705 Tope 2026 (actualizado)<\/span><\/h3><p data-start=\"1439\" data-end=\"1544\"><span style=\"color: #000000;\">La DIAN inform\u00f3 que la <strong data-start=\"1462\" data-end=\"1493\">UVT para 2026 es de $52.374<\/strong>. <\/span><br data-start=\"1532\" data-end=\"1535\" \/><span style=\"color: #000000;\">Entonces:<\/span><\/p><ul data-start=\"1546\" data-end=\"1599\"><li data-start=\"1546\" data-end=\"1599\"><p data-start=\"1548\" data-end=\"1599\"><span style=\"color: #000000;\"><strong data-start=\"1548\" data-end=\"1584\">350 UVT (2026) = $18.330.900 COP<\/strong> (52.374 \u00d7 350)<\/span><\/p><\/li><\/ul><hr data-start=\"1601\" data-end=\"1604\" \/><h2 data-start=\"1606\" data-end=\"1655\"><span style=\"color: #000000;\">Cambio clave desde <strong data-start=\"1628\" data-end=\"1655\">13 de diciembre de 2024<\/strong><\/span><\/h2><p data-start=\"1656\" data-end=\"2081\"><span style=\"color: #000000;\">Antes era com\u00fan \u201cmarcar\u201d una sola cuenta para la exenci\u00f3n. Desde el <strong data-start=\"1724\" data-end=\"1738\">13\/12\/2024<\/strong>, con la entrada en vigor del sistema previsto por norma, <strong data-start=\"1796\" data-end=\"1842\">ya no es necesario marcar una \u00fanica cuenta<\/strong>: la exenci\u00f3n <strong data-start=\"1856\" data-end=\"1925\">puede aplicarse de forma distribuida entre varias cuentas propias<\/strong>, incluso en diferentes entidades, <strong data-start=\"1960\" data-end=\"2042\">siempre que estas hayan implementado el sistema de informaci\u00f3n correspondiente<\/strong>.<\/span><\/p><p data-start=\"2083\" data-end=\"2267\"><span style=\"color: #000000;\">Y si alguna entidad retiene de m\u00e1s por no aplicar bien la exenci\u00f3n, la DIAN indica que <strong data-start=\"2170\" data-end=\"2228\">puedes solicitar el reintegro de lo retenido en exceso<\/strong>.<\/span><\/p><hr data-start=\"2269\" data-end=\"2272\" \/><h2 data-start=\"2274\" data-end=\"2319\"><span style=\"color: #000000;\">\u00bfC\u00f3mo usar nuestra <strong data-start=\"2296\" data-end=\"2318\">Calculadora 4&#215;1000<\/strong>?<\/span><\/h2><p data-start=\"2321\" data-end=\"2485\"><span style=\"color: #000000;\">Esta calculadora est\u00e1 pensada para que no te enredes: <strong data-start=\"2375\" data-end=\"2422\">pones el monto, eliges el escenario y listo<\/strong>. Adem\u00e1s, <strong data-start=\"2432\" data-end=\"2451\">no guarda datos<\/strong>: todo se calcula en tu navegador.<\/span><\/p><h3 data-start=\"2487\" data-end=\"2528\"><span style=\"color: #000000;\">1) <strong data-start=\"2494\" data-end=\"2509\">Modo Simple<\/strong> (r\u00e1pido y directo)<\/span><\/h3><p data-start=\"2529\" data-end=\"2591\"><span style=\"color: #000000;\">Ideal si solo quieres saber \u201c\u00bfcu\u00e1nto es el 4&#215;1000 de X monto?\u201d<\/span><\/p><p data-start=\"2593\" data-end=\"2603\"><span style=\"color: #000000;\"><strong data-start=\"2593\" data-end=\"2603\">Pasos:<\/strong><\/span><\/p><ol data-start=\"2604\" data-end=\"2756\"><li data-start=\"2604\" data-end=\"2648\"><p data-start=\"2607\" data-end=\"2648\"><span style=\"color: #000000;\">Escribe el valor en COP (ej: <strong data-start=\"2636\" data-end=\"2646\">500000<\/strong>).<\/span><\/p><\/li><li data-start=\"2649\" data-end=\"2697\"><p data-start=\"2652\" data-end=\"2697\"><span style=\"color: #000000;\">La calculadora lo formatea (ej: <strong data-start=\"2684\" data-end=\"2695\">500.000<\/strong>).<\/span><\/p><\/li><li data-start=\"2698\" data-end=\"2756\"><p data-start=\"2701\" data-end=\"2756\"><span style=\"color: #000000;\">Te muestra el <strong data-start=\"2715\" data-end=\"2743\">impuesto estimado (0,4%)<\/strong> al instante.<\/span><\/p><\/li><\/ol><blockquote data-start=\"2758\" data-end=\"2826\"><p data-start=\"2760\" data-end=\"2826\"><span style=\"color: #000000;\">Perfecto para una validaci\u00f3n r\u00e1pida antes de transferir o retirar.<\/span><\/p><\/blockquote><hr data-start=\"2828\" data-end=\"2831\" \/><h3 data-start=\"2833\" data-end=\"2902\"><span style=\"color: #000000;\">2) <strong data-start=\"2840\" data-end=\"2857\">Modo Avanzado<\/strong> (cuando quieres simular la exenci\u00f3n mensual)<\/span><\/h3><p data-start=\"2903\" data-end=\"3000\"><span style=\"color: #000000;\">Este modo es para cuando dices:<\/span><br data-start=\"2934\" data-end=\"2937\" \/><span style=\"color: #000000;\">\u201cOk, puede que est\u00e9 exento\u2026 pero \u00bfya me pas\u00e9 del tope del mes?\u201d<\/span><\/p><p data-start=\"3002\" data-end=\"3012\"><span style=\"color: #000000;\"><strong data-start=\"3002\" data-end=\"3012\">Pasos:<\/strong><\/span><\/p><ol data-start=\"3013\" data-end=\"3136\"><li data-start=\"3013\" data-end=\"3055\"><p data-start=\"3016\" data-end=\"3055\"><span style=\"color: #000000;\">Ingresa el <strong data-start=\"3027\" data-end=\"3054\">monto de la transacci\u00f3n<\/strong>.<\/span><\/p><\/li><li data-start=\"3056\" data-end=\"3100\"><p data-start=\"3059\" data-end=\"3100\"><span style=\"color: #000000;\">Responde: <strong data-start=\"3069\" data-end=\"3088\">\u00bfCuenta exenta?<\/strong> (<strong data-start=\"3090\" data-end=\"3099\">S\u00ed\/No<\/strong>)<\/span><\/p><\/li><li data-start=\"3101\" data-end=\"3136\"><p data-start=\"3104\" data-end=\"3136\"><span style=\"color: #000000;\">Presiona <strong data-start=\"3113\" data-end=\"3136\">\u201cCalcular Impuesto\u201d<\/strong><\/span><\/p><\/li><\/ol><h4 data-start=\"3138\" data-end=\"3171\"><span style=\"color: #000000;\">Si eliges <strong data-start=\"3153\" data-end=\"3171\">NO (no exenta)<\/strong><\/span><\/h4><ul data-start=\"3172\" data-end=\"3266\"><li data-start=\"3172\" data-end=\"3222\"><p data-start=\"3174\" data-end=\"3222\"><span style=\"color: #000000;\">Se calcula el 4&#215;1000 normal: <strong data-start=\"3203\" data-end=\"3220\">monto \u00d7 0,004<\/strong><\/span><\/p><\/li><li data-start=\"3223\" data-end=\"3266\"><p data-start=\"3225\" data-end=\"3266\"><span style=\"color: #000000;\">Ver\u00e1s: <strong data-start=\"3232\" data-end=\"3248\">Impuesto GMF<\/strong> y <strong data-start=\"3251\" data-end=\"3265\">Monto neto<\/strong>.<\/span><\/p><\/li><\/ul><h4 data-start=\"3268\" data-end=\"3298\"><span style=\"color: #000000;\">Si eliges <strong data-start=\"3283\" data-end=\"3298\">S\u00cd (exenta)<\/strong><\/span><\/h4><ul data-start=\"3299\" data-end=\"3589\"><li data-start=\"3299\" data-end=\"3347\"><p data-start=\"3301\" data-end=\"3347\"><span style=\"color: #000000;\">Se habilita el panel de <strong data-start=\"3325\" data-end=\"3346\">Acumulado mensual<\/strong>.<\/span><\/p><\/li><li data-start=\"3348\" data-end=\"3427\"><p data-start=\"3350\" data-end=\"3427\"><span style=\"color: #000000;\">La calculadora <strong data-start=\"3365\" data-end=\"3389\">suma autom\u00e1ticamente<\/strong> la transacci\u00f3n actual a tu acumulado.<\/span><\/p><\/li><li data-start=\"3428\" data-end=\"3517\"><p data-start=\"3430\" data-end=\"3517\"><span style=\"color: #000000;\">Puedes <strong data-start=\"3437\" data-end=\"3460\">agregar m\u00e1s d\u00e9bitos<\/strong> que ya hayas hecho en el mes para tener una visi\u00f3n real.<\/span><\/p><\/li><li data-start=\"3518\" data-end=\"3589\"><p data-start=\"3520\" data-end=\"3589\"><span style=\"color: #000000;\">Ver\u00e1s una <strong data-start=\"3530\" data-end=\"3551\">barra de progreso<\/strong> frente al tope 2026: <strong data-start=\"3573\" data-end=\"3588\">$18.330.900<\/strong>.<\/span><\/p><\/li><\/ul><hr data-start=\"3591\" data-end=\"3594\" \/><h2 data-start=\"3596\" data-end=\"3634\"><span style=\"color: #000000;\">Ejemplo pr\u00e1ctico (con valores 2026)<\/span><\/h2><p data-start=\"3636\" data-end=\"3649\"><span style=\"color: #000000;\">Imagina esto:<\/span><\/p><ul data-start=\"3651\" data-end=\"3766\"><li data-start=\"3651\" data-end=\"3698\"><p data-start=\"3653\" data-end=\"3698\"><span style=\"color: #000000;\">Vas a hacer una transacci\u00f3n de <strong data-start=\"3684\" data-end=\"3698\">$1.000.000<\/strong><\/span><\/p><\/li><li data-start=\"3699\" data-end=\"3766\"><p data-start=\"3701\" data-end=\"3766\"><span style=\"color: #000000;\">Ya llevas acumulado este mes <strong data-start=\"3730\" data-end=\"3745\">$17.900.000<\/strong> en d\u00e9bitos \u201cexentos\u201d<\/span><\/p><\/li><\/ul><p data-start=\"3768\" data-end=\"3856\"><span style=\"color: #000000;\">Como <strong data-start=\"3773\" data-end=\"3815\">$17.900.000 + $1.000.000 = $18.900.000<\/strong>, <strong data-start=\"3817\" data-end=\"3855\">superas el tope 2026 ($18.330.900)<\/strong>.<\/span><\/p><ul data-start=\"3858\" data-end=\"3956\"><li data-start=\"3858\" data-end=\"3956\"><p data-start=\"3860\" data-end=\"3956\"><span style=\"color: #000000;\">La calculadora te avisar\u00e1 que el <strong data-start=\"3893\" data-end=\"3916\">l\u00edmite fue excedido<\/strong> y te mostrar\u00e1 el <strong data-start=\"3934\" data-end=\"3955\">impuesto estimado<\/strong>.<\/span><\/p><\/li><\/ul><blockquote data-start=\"3958\" data-end=\"4423\"><p data-start=\"3960\" data-end=\"4423\"><span style=\"color: #000000;\"><strong data-start=\"3960\" data-end=\"3992\">Nota importante (vida real):<\/strong> en la pr\u00e1ctica, muchas entidades empiezan a cobrar el GMF cuando excedes el tope y el cobro puede verse reflejado sobre la parte que ya no queda cubierta por la exenci\u00f3n (seg\u00fan c\u00f3mo lo aplique tu entidad y el tipo de movimiento). Si quieres precisi\u00f3n \u201cal peso\u201d en casos l\u00edmite, lo ideal es comparar con el movimiento real reflejado por tu banco y, si hay cobros indebidos, solicitar revisi\u00f3n.<\/span><\/p><\/blockquote><hr data-start=\"4425\" data-end=\"4428\" \/><h2 data-start=\"4430\" data-end=\"4473\"><strong><span style=\"color: #000000;\">Para que te quede clar\u00edsimo<\/span><\/strong><\/h2><ul data-start=\"4474\" data-end=\"4907\"><li data-start=\"4474\" data-end=\"4549\"><p data-start=\"4476\" data-end=\"4549\"><span style=\"color: #000000;\"><strong data-start=\"4476\" data-end=\"4491\">Tarifa GMF:<\/strong> <strong data-start=\"4492\" data-end=\"4509\">4&#215;1000 (0,4%)<\/strong><\/span><\/p><\/li><li data-start=\"4550\" data-end=\"4617\"><p data-start=\"4552\" data-end=\"4617\"><span style=\"color: #000000;\"><strong data-start=\"4552\" data-end=\"4565\">UVT 2026:<\/strong> <strong data-start=\"4566\" data-end=\"4577\">$52.374<\/strong><\/span><\/p><\/li><li data-start=\"4618\" data-end=\"4677\"><p data-start=\"4620\" data-end=\"4677\"><span style=\"color: #000000;\"><strong data-start=\"4620\" data-end=\"4659\">Tope exento mensual 2026 (350 UVT):<\/strong> <strong data-start=\"4660\" data-end=\"4675\">$18.330.900<\/strong><\/span><\/p><\/li><li data-start=\"4678\" data-end=\"4907\"><p data-start=\"4680\" data-end=\"4907\"><span style=\"color: #000000;\">Desde <strong data-start=\"4686\" data-end=\"4698\">dic-2024<\/strong>, la exenci\u00f3n puede <strong data-start=\"4718\" data-end=\"4756\">distribuirse entre cuentas propias<\/strong>, si la entidad tiene el sistema implementado, y hay mecanismos para pedir <strong data-start=\"4831\" data-end=\"4866\">reintegros por cobros en exceso<\/strong>.<\/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>Calculadora financiera IG Calcula el 4&#215;1000 y revisa si tu movimiento puede estar exento. Simula el Gravamen a los Movimientos Financieros con reglas de 2026: tarifa del 0,4%, UVT vigente, l\u00edmite general de 350 UVT y escenario de dep\u00f3sitos de bajo monto. Par\u00e1metros usados Tarifa GMF 0,4% 4 pesos por cada $1.000. UVT 2026 $52.374&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4022,"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-5917","herramientas","type-herramientas","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5917","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\/5917\/revisions"}],"predecessor-version":[{"id":8653,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/5917\/revisions\/8653"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media\/4022"}],"wp:attachment":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media?parent=5917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}