{"id":6221,"date":"2026-03-10T20:47:22","date_gmt":"2026-03-11T01:47:22","guid":{"rendered":"https:\/\/inversionesguru.com\/co\/?post_type=herramientas&#038;p=6221"},"modified":"2026-03-10T21:11:20","modified_gmt":"2026-03-11T02:11:20","slug":"simulador-cdt-nubank-colombia","status":"publish","type":"herramientas","link":"https:\/\/inversionesguru.com\/co\/herramientas\/simulador-cdt-nubank-colombia\/","title":{"rendered":"Simulador CDT NUBANK Colombia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6221\" class=\"elementor elementor-6221\" data-elementor-post-type=\"herramientas\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f88e7f e-flex e-con-boxed e-con e-parent\" data-id=\"6f88e7f\" 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-c1dc810 elementor-widget elementor-widget-html\" data-id=\"c1dc810\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n  #nubank-cdt-calc-app {\r\n    --brand-primary: #0d9488 !important; \/* Teal 600 *\/\r\n    --brand-primary-hover: #0f766e !important; \/* Teal 700 *\/\r\n    --brand-primary-light: #ccfbf1 !important; \/* Teal 100 *\/\r\n    --brand-accent-green: #16a34a !important; \/* Green 600 *\/\r\n    --brand-accent-amber: #f59e0b !important; \/* Amber 500 *\/\r\n    --brand-accent-purple: #7c3aed !important; \/* Violet 600 *\/\r\n    --brand-accent-purple-light: #ede9fe !important; \/* Violet 100 *\/\r\n    --brand-text-main: #1e293b !important; \/* Slate 800 *\/\r\n    --brand-text-muted: #64748b !important; \/* Slate 500 *\/\r\n    --brand-bg-main: #f8fafc !important; \/* Slate 50 *\/\r\n    --brand-bg-card: #ffffff !important;\r\n    --brand-border-soft: #e2e8f0 !important; \/* Slate 200 *\/\r\n    --brand-border-focus: #5eead4 !important; \/* Teal 300 *\/\r\n    --brand-error: #dc2626 !important; \/* Red 600 *\/\r\n    --brand-error-bg: #fee2e2 !important; \/* Red 100 *\/\r\n    --brand-info-bg: #eff6ff !important; \/* Blue 50 *\/\r\n    --brand-info-text: #1d4ed8 !important; \/* Blue 700 *\/\r\n  }\r\n\r\n  #nubank-cdt-calc-app,\r\n  #nubank-cdt-calc-app * {\r\n    box-sizing: border-box !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app {\r\n    font-family: 'Inter', sans-serif !important;\r\n    background-color: var(--brand-bg-main) !important;\r\n    color: var(--brand-text-main) !important;\r\n    -webkit-font-smoothing: antialiased !important;\r\n    -moz-osx-font-smoothing: grayscale !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-container {\r\n    max-width: 72rem !important;\r\n    margin: 0 auto !important;\r\n    padding: 1.5rem 1rem !important;\r\n  }\r\n\r\n  @media (min-width: 640px) {\r\n    #nubank-cdt-calc-app .calc-container {\r\n      margin: 2rem auto !important;\r\n      padding: 2.5rem !important;\r\n    }\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-card {\r\n    background-color: var(--brand-bg-card) !important;\r\n    border-radius: 1.25rem !important;\r\n    border: 1px solid var(--brand-border-soft) !important;\r\n    box-shadow: 0 10px 15px -3px rgb(0 0 0 \/ 0.05), 0 4px 6px -4px rgb(0 0 0 \/ 0.05) !important;\r\n    padding: 1.25rem !important;\r\n  }\r\n\r\n  @media (min-width: 640px) {\r\n    #nubank-cdt-calc-app .calc-card {\r\n      padding: 2rem !important;\r\n    }\r\n  }\r\n\r\n  #nubank-cdt-calc-app h1 {\r\n    font-size: 1.5rem !important;\r\n    font-weight: 800 !important;\r\n    color: var(--brand-text-main) !important;\r\n    line-height: 1.15 !important;\r\n  }\r\n\r\n  @media (min-width: 640px) {\r\n    #nubank-cdt-calc-app h1 {\r\n      font-size: 1.95rem !important;\r\n    }\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-label {\r\n    font-weight: 600 !important;\r\n    color: var(--brand-text-main) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-input,\r\n  #nubank-cdt-calc-app .calc-select {\r\n    width: 100% !important;\r\n    border: 1px solid var(--brand-border-soft) !important;\r\n    border-radius: 0.75rem !important;\r\n    background-color: var(--brand-bg-card) !important;\r\n    padding: 0.8rem 1rem !important;\r\n    font-weight: 500 !important;\r\n    color: var(--brand-text-main) !important;\r\n    transition: all 0.2s ease-in-out !important;\r\n    min-height: 48px !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-input:focus,\r\n  #nubank-cdt-calc-app .calc-select:focus {\r\n    outline: none !important;\r\n    box-shadow: 0 0 0 3px var(--brand-primary-light) !important;\r\n    border-color: var(--brand-border-focus) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-btn,\r\n  #nubank-cdt-calc-app .calc-btn-secondary {\r\n    display: inline-flex !important;\r\n    align-items: center !important;\r\n    justify-content: center !important;\r\n    gap: 0.5rem !important;\r\n    border: none !important;\r\n    border-radius: 0.75rem !important;\r\n    padding: 0.9rem 1.25rem !important;\r\n    font-weight: 700 !important;\r\n    transition: all 0.2s ease-in-out !important;\r\n    cursor: pointer !important;\r\n    text-decoration: none !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-btn {\r\n    background-color: var(--brand-primary) !important;\r\n    color: #fff !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-btn:hover {\r\n    background-color: var(--brand-primary-hover) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-btn-secondary {\r\n    background-color: var(--brand-bg-main) !important;\r\n    color: var(--brand-text-main) !important;\r\n    border: 1px solid var(--brand-border-soft) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-btn-secondary:hover {\r\n    border-color: var(--brand-primary) !important;\r\n    color: var(--brand-primary) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .pill {\r\n    display: inline-flex !important;\r\n    align-items: center !important;\r\n    gap: 0.35rem !important;\r\n    border-radius: 9999px !important;\r\n    padding: 0.45rem 0.8rem !important;\r\n    font-size: 0.8rem !important;\r\n    font-weight: 700 !important;\r\n    line-height: 1 !important;\r\n    border: 1px solid transparent !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .pill.primary {\r\n    background-color: var(--brand-primary-light) !important;\r\n    color: var(--brand-primary-hover) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .pill.purple {\r\n    background-color: var(--brand-accent-purple-light) !important;\r\n    color: var(--brand-accent-purple) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .pill.amber {\r\n    background-color: #fef3c7 !important;\r\n    color: #b45309 !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-card {\r\n    background-color: var(--brand-bg-main) !important;\r\n    border: 1px solid var(--brand-border-soft) !important;\r\n    border-radius: 1rem !important;\r\n    padding: 1rem !important;\r\n    display: flex !important;\r\n    flex-direction: column !important;\r\n    gap: 0.3rem !important;\r\n    min-height: 100% !important;\r\n  }\r\n\r\n  @media (min-width: 640px) {\r\n    #nubank-cdt-calc-app .kpi-card {\r\n      padding: 1.25rem !important;\r\n    }\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-label {\r\n    font-size: 0.75rem !important;\r\n    font-weight: 700 !important;\r\n    color: var(--brand-text-muted) !important;\r\n    text-transform: uppercase !important;\r\n    letter-spacing: 0.04em !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-val {\r\n    font-size: 1.25rem !important;\r\n    font-weight: 800 !important;\r\n    color: var(--brand-text-main) !important;\r\n    line-height: 1.25 !important;\r\n    overflow-wrap: break-word !important;\r\n    word-break: break-word !important;\r\n  }\r\n\r\n  @media (min-width: 640px) {\r\n    #nubank-cdt-calc-app .kpi-val {\r\n      font-size: 1.45rem !important;\r\n    }\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-card.final {\r\n    background-color: var(--brand-primary) !important;\r\n    color: #fff !important;\r\n    border-color: var(--brand-primary) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-card.final .kpi-label,\r\n  #nubank-cdt-calc-app .kpi-card.final .kpi-val {\r\n    color: #fff !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-card.gains {\r\n    border-left: 4px solid var(--brand-accent-green) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .kpi-card.info {\r\n    border-left: 4px solid var(--brand-accent-purple) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .notice {\r\n    border-radius: 1rem !important;\r\n    padding: 1rem !important;\r\n    border: 1px solid var(--brand-border-soft) !important;\r\n    background-color: var(--brand-info-bg) !important;\r\n    color: var(--brand-info-text) !important;\r\n    font-size: 0.95rem !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .soft-box {\r\n    border-radius: 1rem !important;\r\n    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%) !important;\r\n    border: 1px solid var(--brand-border-soft) !important;\r\n    padding: 1rem !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table {\r\n    width: 100% !important;\r\n    border-collapse: collapse !important;\r\n    table-layout: auto !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table thead th {\r\n    background-color: #f1f5f9 !important;\r\n    color: var(--brand-text-muted) !important;\r\n    padding: 0.75rem 0.5rem !important;\r\n    text-transform: uppercase !important;\r\n    font-size: 0.7rem !important;\r\n    letter-spacing: 0.05em !important;\r\n    font-weight: 700 !important;\r\n    white-space: normal !important;\r\n    vertical-align: middle !important;\r\n    text-align: center !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table td {\r\n    padding: 0.85rem 1rem !important;\r\n    border-bottom: 1px solid var(--brand-border-soft) !important;\r\n    white-space: normal !important;\r\n    font-size: 0.9rem !important;\r\n    vertical-align: middle !important;\r\n    text-align: center !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table td:not(:first-child) {\r\n    white-space: nowrap !important;\r\n  }\r\n\r\n  @media (min-width: 640px) {\r\n    #nubank-cdt-calc-app .calc-table thead th {\r\n      white-space: nowrap !important;\r\n      text-align: left !important;\r\n      padding: 0.75rem 1rem !important;\r\n    }\r\n\r\n    #nubank-cdt-calc-app .calc-table th:not(:first-child),\r\n    #nubank-cdt-calc-app .calc-table td:not(:first-child) {\r\n      text-align: right !important;\r\n    }\r\n\r\n    #nubank-cdt-calc-app .calc-table td:first-child,\r\n    #nubank-cdt-calc-app .calc-table th:first-child {\r\n      text-align: left !important;\r\n    }\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table tbody tr:last-child td {\r\n    border-bottom: none !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table tbody tr:nth-child(even) {\r\n    background-color: #f8fafc !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .calc-table tbody tr.is-selected {\r\n    background-color: #ecfeff !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .text-red {\r\n    color: var(--brand-error) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .text-green {\r\n    color: var(--brand-accent-green) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .text-muted {\r\n    color: var(--brand-text-muted) !important;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .hidden {\r\n    display: none !important;\r\n  }\r\n<\/style>\r\n\r\n<div id=\"nubank-cdt-calc-app\">\r\n  <div class=\"calc-container\">\r\n    <div class=\"calc-card\">\r\n      <header class=\"text-center border-b border-slate-200 pb-6 mb-6\">\r\n        <div class=\"flex flex-wrap items-center justify-center gap-2 mb-4\">\r\n          <span class=\"pill primary\">Simulador CDT Nu<\/span>\r\n          <span class=\"pill purple\">Tasas oficiales vigentes<\/span>\r\n          <span class=\"pill amber\">Fogaf\u00edn hasta $50 millones<\/span>\r\n        <\/div>\r\n        <h1>Calculadora de rendimientos del CDT de Nu Colombia<\/h1>\r\n        <p class=\"mt-2 text-slate-500 max-w-3xl mx-auto\">\r\n          Estima el rendimiento bruto de tu CDT con las tasas oficiales vigentes desde el 02 de febrero de 2026,\r\n          compara todos los plazos disponibles y revisa una estimaci\u00f3n de cobertura Fogaf\u00edn.\r\n        <\/p>\r\n      <\/header>\r\n\r\n      <div class=\"grid grid-cols-1 lg:grid-cols-3 gap-4 mb-6\">\r\n        <div class=\"soft-box\">\r\n          <div class=\"text-sm font-semibold text-slate-700 mb-1\">C\u00f3mo calcula este simulador<\/div>\r\n          <p class=\"text-sm text-slate-500\">Usa tasa fija E.A. y capitalizaci\u00f3n te\u00f3rica con base de 365 d\u00edas para estimar el valor al vencimiento.<\/p>\r\n        <\/div>\r\n        <div class=\"soft-box\">\r\n          <div class=\"text-sm font-semibold text-slate-700 mb-1\">Importante<\/div>\r\n          <p class=\"text-sm text-slate-500\">El CDT no se puede redimir anticipadamente salvo los casos previstos por la normatividad y el reglamento de Nu.<\/p>\r\n        <\/div>\r\n        <div class=\"soft-box\">\r\n          <div class=\"text-sm font-semibold text-slate-700 mb-1\">Cobertura Fogaf\u00edn<\/div>\r\n          <p class=\"text-sm text-slate-500\">La protecci\u00f3n es por titular y por entidad; si tienes varios productos en Nu, sus saldos protegidos se suman.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <form id=\"nuCdtCalculatorForm\" class=\"space-y-5\">\r\n        <div class=\"grid grid-cols-1 md:grid-cols-2 xl:grid-cols-4 gap-4\">\r\n          <div class=\"xl:col-span-1\">\r\n            <label for=\"nu-cdt-principal\" class=\"calc-label block mb-2\">Monto a invertir (COP)<\/label>\r\n            <input type=\"text\" id=\"nu-cdt-principal\" inputmode=\"numeric\" class=\"calc-input\" placeholder=\"Ej: 5,000,000\">\r\n            <p class=\"mt-2 text-xs text-slate-500\">Monto m\u00ednimo oficial: $50.000.<\/p>\r\n          <\/div>\r\n\r\n          <div>\r\n            <label for=\"nu-cdt-term\" class=\"calc-label block mb-2\">Plazo del CDT<\/label>\r\n            <select id=\"nu-cdt-term\" class=\"calc-select\"><\/select>\r\n            <p class=\"mt-2 text-xs text-slate-500\">Solo se permiten los plazos oficiales publicados por Nu.<\/p>\r\n          <\/div>\r\n\r\n          <div>\r\n            <label for=\"nu-cdt-open-date\" class=\"calc-label block mb-2\">Fecha de constituci\u00f3n<\/label>\r\n            <input type=\"date\" id=\"nu-cdt-open-date\" class=\"calc-input\">\r\n            <p class=\"mt-2 text-xs text-slate-500\">Se usa para estimar la fecha de vencimiento.<\/p>\r\n          <\/div>\r\n\r\n          <div>\r\n            <label for=\"nu-total-balances\" class=\"calc-label block mb-2\">Saldo total protegido en Nu (opcional)<\/label>\r\n            <input type=\"text\" id=\"nu-total-balances\" inputmode=\"numeric\" class=\"calc-input\" placeholder=\"Ej: 20,000,000\">\r\n            <p class=\"mt-2 text-xs text-slate-500\">Si lo dejas vac\u00edo, se toma el valor proyectado de este CDT.<\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"notice\">\r\n          <strong>Fuente del simulador:<\/strong> tabla oficial de plazos y tasas de CDT Nu con vigencia desde el 02\/02\/2026. El VTUP es una proyecci\u00f3n informativa y no constituye una tasa de inter\u00e9s. Este simulador calcula con la tasa E.A. publicada por plazo.\r\n        <\/div>\r\n\r\n        <div class=\"flex flex-col sm:flex-row gap-3 pt-1\">\r\n          <button type=\"button\" id=\"nu-cdt-calc-btn\" class=\"calc-btn w-full sm:w-auto\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5v14\"><\/path><path d=\"M5 12h14\"><\/path><\/svg>\r\n            Calcular rendimiento\r\n          <\/button>\r\n          <button type=\"button\" id=\"nu-cdt-reset-btn\" class=\"calc-btn-secondary w-full sm:w-auto\">Limpiar datos<\/button>\r\n        <\/div>\r\n      <\/form>\r\n\r\n      <div id=\"nu-cdt-error-message\" class=\"hidden mt-4 text-sm font-medium text-red-700 bg-red-50 border border-red-200 rounded-lg px-4 py-3\" role=\"alert\"><\/div>\r\n    <\/div>\r\n\r\n    <div id=\"nu-cdt-results\" class=\"hidden mt-8 space-y-6\">\r\n      <div>\r\n        <h3 class=\"text-xl font-bold text-center mb-4\">Resumen del plazo elegido<\/h3>\r\n        <div class=\"grid grid-cols-1 sm:grid-cols-2 xl:grid-cols-5 gap-4\">\r\n          <div class=\"kpi-card info\">\r\n            <div class=\"kpi-label\">Tasa del plazo<\/div>\r\n            <div id=\"nu-kpi-rate\" class=\"kpi-val\">0%<\/div>\r\n          <\/div>\r\n          <div class=\"kpi-card info\">\r\n            <div class=\"kpi-label\">Plazo<\/div>\r\n            <div id=\"nu-kpi-term\" class=\"kpi-val\">0 d\u00edas<\/div>\r\n          <\/div>\r\n          <div class=\"kpi-card gains\">\r\n            <div class=\"kpi-label\">Rendimiento bruto estimado<\/div>\r\n            <div id=\"nu-kpi-interest\" class=\"kpi-val text-green\">$0<\/div>\r\n          <\/div>\r\n          <div class=\"kpi-card final\">\r\n            <div class=\"kpi-label\">Capital + rendimiento<\/div>\r\n            <div id=\"nu-kpi-final\" class=\"kpi-val\">$0<\/div>\r\n          <\/div>\r\n          <div class=\"kpi-card info\">\r\n            <div class=\"kpi-label\">Vencimiento estimado<\/div>\r\n            <div id=\"nu-kpi-maturity\" class=\"kpi-val\">--<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"grid grid-cols-1 xl:grid-cols-2 gap-6\">\r\n        <div class=\"calc-card\">\r\n          <h3 class=\"text-lg font-semibold mb-3\">Comparaci\u00f3n de todos los plazos oficiales<\/h3>\r\n          <div class=\"overflow-x-auto\">\r\n            <table class=\"calc-table\">\r\n              <thead>\r\n                <tr>\r\n                  <th>Plazo<\/th>\r\n                  <th>Tasa E.A.<\/th>\r\n                  <th>Rendimiento bruto<\/th>\r\n                  <th>Monto final<\/th>\r\n                <\/tr>\r\n              <\/thead>\r\n              <tbody id=\"nu-cdt-comparison-body\"><\/tbody>\r\n            <\/table>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"calc-card\">\r\n          <h3 class=\"text-lg font-semibold mb-3\">Cobertura Fogaf\u00edn estimada<\/h3>\r\n          <div class=\"grid grid-cols-1 sm:grid-cols-3 gap-4 mb-4\">\r\n            <div class=\"kpi-card info\">\r\n              <div class=\"kpi-label\">Saldo tomado para el c\u00e1lculo<\/div>\r\n              <div id=\"nu-fogafin-base\" class=\"kpi-val\">$0<\/div>\r\n            <\/div>\r\n            <div class=\"kpi-card gains\">\r\n              <div class=\"kpi-label\">Monto cubierto<\/div>\r\n              <div id=\"nu-fogafin-covered\" class=\"kpi-val text-green\">$0<\/div>\r\n            <\/div>\r\n            <div class=\"kpi-card\">\r\n              <div class=\"kpi-label\">Excedente no cubierto<\/div>\r\n              <div id=\"nu-fogafin-uncovered\" class=\"kpi-val\">$0<\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"notice\">\r\n            Esta estimaci\u00f3n usa el tope general de hasta <strong>$50.000.000 por titular y por entidad<\/strong>. Si tienes cuenta de ahorros y CDT en Nu, sus saldos protegidos se suman para esta entidad.\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"calc-card\">\r\n        <h3 class=\"text-lg font-semibold mb-3\">Ruta te\u00f3rica de crecimiento del CDT<\/h3>\r\n        <p class=\"text-sm text-slate-500 mb-4\">Vista orientativa del crecimiento bruto con la tasa del plazo elegido. No sustituye el certificado emitido por Deceval ni el c\u00e1lculo final de Nu.<\/p>\r\n        <div class=\"overflow-x-auto\">\r\n          <table class=\"calc-table\">\r\n            <thead>\r\n              <tr>\r\n                <th>Momento<\/th>\r\n                <th>D\u00edas transcurridos<\/th>\r\n                <th>Valor acumulado<\/th>\r\n                <th>Rendimiento acumulado<\/th>\r\n              <\/tr>\r\n            <\/thead>\r\n            <tbody id=\"nu-cdt-growth-body\"><\/tbody>\r\n          <\/table>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"calc-card\">\r\n        <h3 class=\"text-lg font-semibold mb-3\">Notas clave del producto<\/h3>\r\n        <div class=\"grid grid-cols-1 md:grid-cols-2 gap-4 text-sm text-slate-600\">\r\n          <div class=\"soft-box\">CDT desmaterializado, individual y registrado electr\u00f3nicamente en Deceval.<\/div>\r\n          <div class=\"soft-box\">Intereses calculados diariamente con base en un a\u00f1o de 365 d\u00edas.<\/div>\r\n          <div class=\"soft-box\">No incluye retenci\u00f3n en la fuente; esta puede aplicar seg\u00fan la normatividad tributaria vigente y la liquidaci\u00f3n final de la entidad.<\/div>\r\n          <div class=\"soft-box\">Simulaci\u00f3n informativa: valida siempre tasas, reglamento y condiciones directamente con Nu antes de invertir.<\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <footer class=\"mt-8 text-center text-sm text-slate-500\">\r\n      Simulaci\u00f3n informativa basada en tasas oficiales de CDT Nu vigentes desde el 02 de febrero de 2026. Verifica cambios de tasa antes de publicar o actualizar el contenido.\r\n    <\/footer>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n  document.addEventListener('DOMContentLoaded', function () {\r\n    const RATE_TABLE = {\r\n      effectiveFrom: '2026-02-02',\r\n      updatedLabel: '02 de febrero de 2026',\r\n      minimumAmount: 50000,\r\n      fogafinLimit: 50000000,\r\n      terms: {\r\n        60: 0.094,\r\n        90: 0.095,\r\n        120: 0.096,\r\n        180: 0.097,\r\n        270: 0.098,\r\n        540: 0.102,\r\n        720: 0.103,\r\n        1080: 0.105\r\n      }\r\n    };\r\n\r\n    const appId = 'nubank-cdt-calc-app';\r\n    const principalInput = document.getElementById('nu-cdt-principal');\r\n    const termSelect = document.getElementById('nu-cdt-term');\r\n    const openDateInput = document.getElementById('nu-cdt-open-date');\r\n    const totalBalancesInput = document.getElementById('nu-total-balances');\r\n    const calculateBtn = document.getElementById('nu-cdt-calc-btn');\r\n    const resetBtn = document.getElementById('nu-cdt-reset-btn');\r\n    const errorMessage = document.getElementById('nu-cdt-error-message');\r\n    const resultsArea = document.getElementById('nu-cdt-results');\r\n\r\n    const kpiRate = document.getElementById('nu-kpi-rate');\r\n    const kpiTerm = document.getElementById('nu-kpi-term');\r\n    const kpiInterest = document.getElementById('nu-kpi-interest');\r\n    const kpiFinal = document.getElementById('nu-kpi-final');\r\n    const kpiMaturity = document.getElementById('nu-kpi-maturity');\r\n\r\n    const comparisonBody = document.getElementById('nu-cdt-comparison-body');\r\n    const growthBody = document.getElementById('nu-cdt-growth-body');\r\n\r\n    const fogafinBase = document.getElementById('nu-fogafin-base');\r\n    const fogafinCovered = document.getElementById('nu-fogafin-covered');\r\n    const fogafinUncovered = document.getElementById('nu-fogafin-uncovered');\r\n\r\n    function formatCurrency(value) {\r\n      if (typeof value !== 'number' || Number.isNaN(value)) return '$ --';\r\n      return value.toLocaleString('es-CO', {\r\n        style: 'currency',\r\n        currency: 'COP',\r\n        minimumFractionDigits: 2,\r\n        maximumFractionDigits: 2\r\n      });\r\n    }\r\n\r\n    function formatPercent(value) {\r\n      if (typeof value !== 'number' || Number.isNaN(value)) return '--';\r\n      return (value * 100).toLocaleString('es-CO', {\r\n        minimumFractionDigits: 2,\r\n        maximumFractionDigits: 2\r\n      }) + '% E.A.';\r\n    }\r\n\r\n    function formatNumberWithCommas(number) {\r\n      let numStr = String(number ?? '').replace(\/[^\\d.]\/g, '');\r\n      const parts = numStr.split('.');\r\n      let integerPart = parts[0];\r\n      const decimalPart = parts.length > 1 ? '.' + parts[1].substring(0, 2) : '';\r\n      integerPart = integerPart.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, ',');\r\n      return integerPart + decimalPart;\r\n    }\r\n\r\n    function parseFormattedNumber(numberString) {\r\n      if (typeof numberString !== 'string' || numberString.trim() === '') return NaN;\r\n      return parseFloat(numberString.replace(\/,\/g, ''));\r\n    }\r\n\r\n    function addDays(dateString, days) {\r\n      const date = new Date(dateString + 'T12:00:00');\r\n      date.setDate(date.getDate() + days);\r\n      return date;\r\n    }\r\n\r\n    function formatDate(date) {\r\n      if (!(date instanceof Date) || Number.isNaN(date.getTime())) return '--';\r\n      return date.toLocaleDateString('es-CO', {\r\n        year: 'numeric',\r\n        month: 'long',\r\n        day: 'numeric'\r\n      });\r\n    }\r\n\r\n    function calculateGrossReturn(principal, annualRate, days) {\r\n      const grossInterest = principal * (Math.pow(1 + annualRate, days \/ 365) - 1);\r\n      const finalAmount = principal + grossInterest;\r\n      return { grossInterest, finalAmount };\r\n    }\r\n\r\n    function accruedValueOnDay(principal, annualRate, elapsedDays) {\r\n      return principal * Math.pow(1 + annualRate, elapsedDays \/ 365);\r\n    }\r\n\r\n    function getCheckpointDays(termDays) {\r\n      const candidates = [1, 30, 60, 90, 120, 180, 270, 360, 540, 720, 1080];\r\n      const filtered = candidates.filter(day => day <= termDays);\r\n      if (!filtered.includes(termDays)) filtered.push(termDays);\r\n      return [...new Set(filtered)].sort((a, b) => a - b);\r\n    }\r\n\r\n    function estimateFogafinCoverage(balance) {\r\n      const covered = Math.min(balance, RATE_TABLE.fogafinLimit);\r\n      const uncovered = Math.max(balance - RATE_TABLE.fogafinLimit, 0);\r\n      return { covered, uncovered };\r\n    }\r\n\r\n    function showError(message) {\r\n      errorMessage.textContent = message;\r\n      errorMessage.classList.remove('hidden');\r\n    }\r\n\r\n    function hideError() {\r\n      errorMessage.textContent = '';\r\n      errorMessage.classList.add('hidden');\r\n    }\r\n\r\n    function populateTerms() {\r\n      const options = Object.entries(RATE_TABLE.terms)\r\n        .map(([days, rate]) => {\r\n          return `<option value=\"${days}\">${days} d\u00edas \u00b7 ${(rate * 100).toFixed(2)}% E.A.<\/option>`;\r\n        })\r\n        .join('');\r\n      termSelect.innerHTML = options;\r\n      termSelect.value = '180';\r\n    }\r\n\r\n    function renderComparisonTable(principal, selectedTerm) {\r\n      comparisonBody.innerHTML = '';\r\n      Object.entries(RATE_TABLE.terms).forEach(([daysStr, rate]) => {\r\n        const days = Number(daysStr);\r\n        const { grossInterest, finalAmount } = calculateGrossReturn(principal, rate, days);\r\n        const row = document.createElement('tr');\r\n        if (days === selectedTerm) row.className = 'is-selected';\r\n        row.innerHTML = `\r\n          <td class=\"font-semibold\">${days} d\u00edas<\/td>\r\n          <td>${formatPercent(rate)}<\/td>\r\n          <td class=\"text-green\">${formatCurrency(grossInterest)}<\/td>\r\n          <td class=\"font-semibold\">${formatCurrency(finalAmount)}<\/td>\r\n        `;\r\n        comparisonBody.appendChild(row);\r\n      });\r\n    }\r\n\r\n    function renderGrowthTable(principal, annualRate, termDays) {\r\n      growthBody.innerHTML = '';\r\n      const checkpoints = getCheckpointDays(termDays);\r\n      checkpoints.forEach((day, index) => {\r\n        const accumulated = accruedValueOnDay(principal, annualRate, day);\r\n        const interest = accumulated - principal;\r\n        const label = day === termDays ? 'Vencimiento' : (index === 0 ? 'Primer corte' : 'Seguimiento');\r\n        const row = document.createElement('tr');\r\n        row.innerHTML = `\r\n          <td class=\"font-medium\">${label}<\/td>\r\n          <td>${day}<\/td>\r\n          <td class=\"font-semibold\">${formatCurrency(accumulated)}<\/td>\r\n          <td class=\"text-green\">${formatCurrency(interest)}<\/td>\r\n        `;\r\n        growthBody.appendChild(row);\r\n      });\r\n    }\r\n\r\n    function saveState() {\r\n      try {\r\n        localStorage.setItem(`${appId}-principal`, principalInput.value);\r\n        localStorage.setItem(`${appId}-term`, termSelect.value);\r\n        localStorage.setItem(`${appId}-open-date`, openDateInput.value);\r\n        localStorage.setItem(`${appId}-total-balances`, totalBalancesInput.value);\r\n      } catch (error) {\r\n        console.error('No se pudo guardar el estado del simulador:', error);\r\n      }\r\n    }\r\n\r\n    function loadState() {\r\n      const today = new Date();\r\n      const defaultDate = today.toISOString().split('T')[0];\r\n      openDateInput.value = defaultDate;\r\n\r\n      try {\r\n        const savedPrincipal = localStorage.getItem(`${appId}-principal`);\r\n        const savedTerm = localStorage.getItem(`${appId}-term`);\r\n        const savedOpenDate = localStorage.getItem(`${appId}-open-date`);\r\n        const savedTotalBalances = localStorage.getItem(`${appId}-total-balances`);\r\n\r\n        if (savedPrincipal) principalInput.value = savedPrincipal;\r\n        if (savedTerm && RATE_TABLE.terms[savedTerm]) termSelect.value = savedTerm;\r\n        if (savedOpenDate) openDateInput.value = savedOpenDate;\r\n        if (savedTotalBalances) totalBalancesInput.value = savedTotalBalances;\r\n      } catch (error) {\r\n        console.error('No se pudo cargar el estado del simulador:', error);\r\n      }\r\n    }\r\n\r\n    function resetCalculator() {\r\n      principalInput.value = '';\r\n      totalBalancesInput.value = '';\r\n      termSelect.value = '180';\r\n      openDateInput.value = new Date().toISOString().split('T')[0];\r\n      resultsArea.classList.add('hidden');\r\n      hideError();\r\n      try {\r\n        localStorage.removeItem(`${appId}-principal`);\r\n        localStorage.removeItem(`${appId}-term`);\r\n        localStorage.removeItem(`${appId}-open-date`);\r\n        localStorage.removeItem(`${appId}-total-balances`);\r\n      } catch (error) {\r\n        console.error('No se pudo limpiar el estado del simulador:', error);\r\n      }\r\n    }\r\n\r\n    function calculateCdt() {\r\n      hideError();\r\n\r\n      const principal = parseFormattedNumber(principalInput.value);\r\n      const selectedTerm = Number(termSelect.value);\r\n      const annualRate = RATE_TABLE.terms[selectedTerm];\r\n      const openDate = openDateInput.value;\r\n      const manualTotalBalance = parseFormattedNumber(totalBalancesInput.value);\r\n\r\n      if (Number.isNaN(principal) || principal < RATE_TABLE.minimumAmount) {\r\n        showError(`Ingresa un monto v\u00e1lido igual o superior a ${formatCurrency(RATE_TABLE.minimumAmount)}.`);\r\n        resultsArea.classList.add('hidden');\r\n        return;\r\n      }\r\n\r\n      if (!annualRate) {\r\n        showError('Selecciona un plazo oficial v\u00e1lido para el CDT Nu.');\r\n        resultsArea.classList.add('hidden');\r\n        return;\r\n      }\r\n\r\n      if (!openDate) {\r\n        showError('Selecciona la fecha de constituci\u00f3n del CDT.');\r\n        resultsArea.classList.add('hidden');\r\n        return;\r\n      }\r\n\r\n      const { grossInterest, finalAmount } = calculateGrossReturn(principal, annualRate, selectedTerm);\r\n      const maturityDate = addDays(openDate, selectedTerm);\r\n      const balanceForFogafin = !Number.isNaN(manualTotalBalance) && manualTotalBalance > 0 ? manualTotalBalance : finalAmount;\r\n      const fogafin = estimateFogafinCoverage(balanceForFogafin);\r\n\r\n      kpiRate.textContent = formatPercent(annualRate);\r\n      kpiTerm.textContent = `${selectedTerm} d\u00edas`;\r\n      kpiInterest.textContent = formatCurrency(grossInterest);\r\n      kpiFinal.textContent = formatCurrency(finalAmount);\r\n      kpiMaturity.textContent = formatDate(maturityDate);\r\n\r\n      fogafinBase.textContent = formatCurrency(balanceForFogafin);\r\n      fogafinCovered.textContent = formatCurrency(fogafin.covered);\r\n      fogafinUncovered.textContent = formatCurrency(fogafin.uncovered);\r\n\r\n      renderComparisonTable(principal, selectedTerm);\r\n      renderGrowthTable(principal, annualRate, selectedTerm);\r\n\r\n      resultsArea.classList.remove('hidden');\r\n      resultsArea.scrollIntoView({ behavior: 'smooth', block: 'start' });\r\n      saveState();\r\n    }\r\n\r\n    principalInput.addEventListener('input', function (event) {\r\n      const formatted = formatNumberWithCommas(event.target.value);\r\n      if (event.target.value !== formatted) event.target.value = formatted;\r\n    });\r\n\r\n    totalBalancesInput.addEventListener('input', function (event) {\r\n      const formatted = formatNumberWithCommas(event.target.value);\r\n      if (event.target.value !== formatted) event.target.value = formatted;\r\n    });\r\n\r\n    calculateBtn.addEventListener('click', calculateCdt);\r\n    resetBtn.addEventListener('click', resetCalculator);\r\n\r\n    populateTerms();\r\n    loadState();\r\n  });\r\n<\/script>\r\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-beab507 e-flex e-con-boxed e-con e-parent\" data-id=\"beab507\" 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-db3c1c6 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"db3c1c6\" data-element_type=\"widget\" data-e-type=\"widget\" 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Contenido\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__db3c1c6\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__db3c1c6\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg 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class=\"elementor-element elementor-element-c3665a8 e-flex e-con-boxed e-con e-parent\" data-id=\"c3665a8\" 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-bc627e6 elementor-widget elementor-widget-text-editor\" data-id=\"bc627e6\" 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-section-id=\"5pf08v\" data-start=\"130\" data-end=\"234\"><span style=\"color: #000000;\"><strong data-start=\"132\" data-end=\"234\">CDT Nu en Colombia: c\u00f3mo funciona, cu\u00e1nto rinde, condiciones, ventajas y cobertura Fogaf\u00edn en 2026<\/strong><\/span><\/h2><hr data-start=\"459\" data-end=\"462\" \/><p data-start=\"464\" data-end=\"820\"><span style=\"color: #000000;\">Si est\u00e1s buscando una opci\u00f3n para <strong data-start=\"498\" data-end=\"543\">hacer rendir tu dinero sin dejarlo quieto<\/strong>, el <strong data-start=\"548\" data-end=\"573\">CDT de Nu en Colombia<\/strong> se est\u00e1 convirtiendo en uno de los productos que m\u00e1s curiosidad despierta. Y no es para menos: combina una experiencia 100% digital, tasas fijas por plazo y el respaldo del <strong data-start=\"747\" data-end=\"781\">Seguro de Dep\u00f3sitos de Fogaf\u00edn<\/strong>.<\/span><\/p><p data-start=\"822\" data-end=\"1312\"><span style=\"color: #000000;\">La clave est\u00e1 en entenderlo bien. Un <strong data-start=\"859\" data-end=\"869\">CDT Nu<\/strong> no es una cajita de ahorro con retiro libre, ni una cuenta tradicional. Es un producto pensado para quienes s\u00ed pueden dejar un dinero guardado durante un tiempo definido a cambio de una <strong data-start=\"1056\" data-end=\"1077\">rentabilidad fija<\/strong> desde el inicio. Justamente por eso puede ser \u00fatil para metas como un viaje, la cuota inicial de algo importante, un fondo de impuestos o simplemente para \u201cblindar\u201d un ahorro que no quieres tocar.<\/span><\/p><h2 data-section-id=\"m9qema\" data-start=\"1314\" data-end=\"1358\"><span style=\"color: #000000;\"><strong data-start=\"1317\" data-end=\"1358\">\u00bfQu\u00e9 es el CDT de Nu y c\u00f3mo funciona?<\/strong><\/span><\/h2><p data-start=\"1360\" data-end=\"1715\"><span style=\"color: #000000;\">El <strong data-start=\"1363\" data-end=\"1376\">CDT de Nu<\/strong> es un <strong data-start=\"1383\" data-end=\"1442\">certificado de dep\u00f3sito a t\u00e9rmino fijo desmaterializado<\/strong>. En palabras simples: t\u00fa depositas un monto, eliges un plazo y Nu te reconoce una <strong data-start=\"1525\" data-end=\"1543\">tasa fija E.A.<\/strong> durante ese per\u00edodo. El producto queda registrado electr\u00f3nicamente, no en papel, y su administraci\u00f3n se hace a trav\u00e9s de <strong data-start=\"1665\" data-end=\"1676\">Deceval<\/strong>.\u00a0<\/span><\/p><p data-start=\"1717\" data-end=\"2065\"><span style=\"color: #000000;\">Adem\u00e1s, Nu indica que la apertura del CDT se hace digitalmente desde la <strong data-start=\"1789\" data-end=\"1799\">App Nu<\/strong>, y en su blog oficial explica que el proceso parte desde una <strong data-start=\"1861\" data-end=\"1871\">Cajita<\/strong> con saldo disponible: eliges cu\u00e1nto vas a invertir, seleccionas el plazo, aceptas condiciones y confirmas con tu PIN.\u00a0<\/span><\/p><p data-start=\"2067\" data-end=\"2458\"><span style=\"color: #000000;\">Lo m\u00e1s importante para cualquier persona que va a invertir por primera vez es esto: <strong data-start=\"2151\" data-end=\"2197\">el dinero no queda disponible de inmediato<\/strong>. Al vencimiento del plazo, Nu transfiere al titular el capital y los intereses generados. Antes de ese momento, <strong data-start=\"2310\" data-end=\"2337\">no es posible redimirlo<\/strong>, salvo las situaciones previstas por la normatividad y el reglamento del producto.\u00a0<\/span><\/p><h2 data-section-id=\"1d88jpi\" data-start=\"2460\" data-end=\"2504\"><span style=\"color: #000000;\"><strong data-start=\"2463\" data-end=\"2504\">Tasas del CDT Nu vigentes en Colombia<\/strong><\/span><\/h2><p data-start=\"2506\" data-end=\"2685\"><span style=\"color: #000000;\">Seg\u00fan el documento oficial de <strong data-start=\"2536\" data-end=\"2564\">plazos y tasas de CDT Nu<\/strong>, vigente desde el <strong data-start=\"2583\" data-end=\"2607\">2 de febrero de 2026<\/strong>, estas son las tasas publicadas por Nu: <button class=\"ms-1 flex h-[25px] text-[10px] leading-[13px] rounded-xl corner-superellipse\/1.1 items-center justify-center gap-1 px-2 relative text-token-text-secondary! hover:text-token-text-primary! hover:bg-token-bg-secondary dark:bg-token-main-surface-secondary dark:hover:bg-token-bg-secondary bg-[#f4f4f4] \"><\/button><\/span><\/p><ul><li data-start=\"2689\" data-end=\"2716\"><span style=\"color: #000000;\"><strong data-start=\"2689\" data-end=\"2701\">60 d\u00edas:<\/strong> <strong data-start=\"2702\" data-end=\"2716\">9,40% E.A.<\/strong><\/span><\/li><li data-start=\"2719\" data-end=\"2746\"><span style=\"color: #000000;\"><strong data-start=\"2719\" data-end=\"2731\">90 d\u00edas:<\/strong> <strong data-start=\"2732\" data-end=\"2746\">9,50% E.A.<\/strong><\/span><\/li><li data-start=\"2749\" data-end=\"2777\"><span style=\"color: #000000;\"><strong data-start=\"2749\" data-end=\"2762\">120 d\u00edas:<\/strong> <strong data-start=\"2763\" data-end=\"2777\">9,60% E.A.<\/strong><\/span><\/li><li data-start=\"2780\" data-end=\"2808\"><span style=\"color: #000000;\"><strong data-start=\"2780\" data-end=\"2793\">180 d\u00edas:<\/strong> <strong data-start=\"2794\" data-end=\"2808\">9,70% E.A.<\/strong><\/span><\/li><li data-start=\"2811\" data-end=\"2839\"><span style=\"color: #000000;\"><strong data-start=\"2811\" data-end=\"2824\">270 d\u00edas:<\/strong> <strong data-start=\"2825\" data-end=\"2839\">9,80% E.A.<\/strong><\/span><\/li><li data-start=\"2842\" data-end=\"2871\"><span style=\"color: #000000;\"><strong data-start=\"2842\" data-end=\"2855\">540 d\u00edas:<\/strong> <strong data-start=\"2856\" data-end=\"2871\">10,20% E.A.<\/strong><\/span><\/li><li data-start=\"2874\" data-end=\"2903\"><span style=\"color: #000000;\"><strong data-start=\"2874\" data-end=\"2887\">720 d\u00edas:<\/strong> <strong data-start=\"2888\" data-end=\"2903\">10,30% E.A.<\/strong><\/span><\/li><li data-start=\"2906\" data-end=\"2974\"><span style=\"color: #000000;\"><strong data-start=\"2906\" data-end=\"2920\">1080 d\u00edas:<\/strong> <strong data-start=\"2921\" data-end=\"2936\">10,50% E.A.<\/strong>\u00a0<\/span><\/li><\/ul><p data-start=\"2976\" data-end=\"3228\"><span style=\"color: #000000;\">Un detalle muy positivo es que el mismo documento oficial indica <strong data-start=\"3041\" data-end=\"3087\">$0 en costos por apertura y administraci\u00f3n<\/strong>. Es decir, el rendimiento no se ve reducido por una comisi\u00f3n de entrada o una cuota de manejo del CDT.\u00a0<\/span><\/p><h2 data-section-id=\"mscjy6\" data-start=\"3630\" data-end=\"3674\"><span style=\"color: #000000;\"><strong data-start=\"3633\" data-end=\"3674\">\u00bfCu\u00e1nto rinde realmente el CDT de Nu?<\/strong><\/span><\/h2><p data-start=\"3676\" data-end=\"4005\"><span style=\"color: #000000;\">La respuesta corta es: <strong data-start=\"3699\" data-end=\"3742\">depende del plazo y del monto invertido<\/strong>. Como la tasa es fija y el dinero queda inmovilizado hasta el vencimiento, este producto suele ser m\u00e1s atractivo para quienes ya saben que no necesitar\u00e1n esa plata en el corto plazo.\u00a0<\/span><\/p><p data-start=\"4007\" data-end=\"4329\"><span style=\"color: #000000;\">Nu da ejemplos oficiales usando <strong data-start=\"4039\" data-end=\"4063\">1 SMMLV ($1.750.905)<\/strong>. Con ese valor, el documento muestra un rendimiento proyectado de <strong data-start=\"4130\" data-end=\"4144\">$81.522,14<\/strong> a <strong data-start=\"4147\" data-end=\"4159\">180 d\u00edas<\/strong> y de <strong data-start=\"4165\" data-end=\"4180\">$529.473,67<\/strong> a <strong data-start=\"4183\" data-end=\"4196\">1080 d\u00edas<\/strong>. En otras palabras: entre m\u00e1s largo el plazo, mayor suele ser el rendimiento total esperado.\u00a0<\/span><\/p><p data-start=\"4331\" data-end=\"4717\"><span style=\"color: #000000;\">Si llevamos esa l\u00f3gica a ejemplos pr\u00e1cticos, un monto de <strong data-start=\"4388\" data-end=\"4402\">$5.000.000<\/strong> a <strong data-start=\"4405\" data-end=\"4417\">180 d\u00edas<\/strong> con la tasa oficial de <strong data-start=\"4441\" data-end=\"4455\">9,70% E.A.<\/strong> arroja una estimaci\u00f3n bruta de aproximadamente <strong data-start=\"4503\" data-end=\"4518\">$233.568,71<\/strong>, para un total cercano a <strong data-start=\"4544\" data-end=\"4561\">$5.233.568,71<\/strong> al vencimiento. Y si una persona invierte <strong data-start=\"4604\" data-end=\"4619\">$20.000.000<\/strong> a <strong data-start=\"4622\" data-end=\"4635\">1080 d\u00edas<\/strong> con la tasa de <strong data-start=\"4651\" data-end=\"4666\">10,50% E.A.<\/strong>, la estimaci\u00f3n bruta ronda los <strong data-start=\"4698\" data-end=\"4715\">$6.874.155,04<\/strong>.<\/span><\/p><p data-start=\"4719\" data-end=\"4981\"><span style=\"color: #000000;\">Eso s\u00ed: estas cifras son \u00fatiles como gu\u00eda, pero el valor final puede verse afectado por la <strong data-start=\"4810\" data-end=\"4836\">retenci\u00f3n en la fuente<\/strong> que aplique seg\u00fan la normatividad tributaria vigente. Nu lo deja expresamente previsto en su reglamento.\u00a0<\/span><\/p><h2 data-section-id=\"1ggmelv\" data-start=\"4983\" data-end=\"5037\"><span style=\"color: #000000;\"><strong data-start=\"4986\" data-end=\"5037\">Requisitos y condiciones importantes del CDT Nu<\/strong><\/span><\/h2><p data-start=\"5039\" data-end=\"5154\"><span style=\"color: #000000;\">Aqu\u00ed vale la pena ir despacio, porque estas son las reglas que realmente definen si este producto te conviene o no.<\/span><\/p><p data-start=\"5156\" data-end=\"5459\"><span style=\"color: #000000;\">Para empezar, Nu explica que el <strong data-start=\"5188\" data-end=\"5209\">CDT es individual<\/strong>: solo una <strong data-start=\"5220\" data-end=\"5239\">persona natural<\/strong> puede ser titular. Adem\u00e1s, el blog oficial se\u00f1ala que debes ser <strong data-start=\"5304\" data-end=\"5321\">mayor de edad<\/strong> y tener <strong data-start=\"5330\" data-end=\"5378\">c\u00e9dula de ciudadan\u00eda o c\u00e9dula de extranjer\u00eda<\/strong>.\u00a0<\/span><\/p><p data-start=\"5461\" data-end=\"5803\"><span style=\"color: #000000;\">El <strong data-start=\"5464\" data-end=\"5480\">monto m\u00ednimo<\/strong> para abrirlo es de <strong data-start=\"5500\" data-end=\"5511\">$50.000<\/strong>, lo cual baja bastante la barrera de entrada para alguien que quiere empezar con una cifra peque\u00f1a. Y Nu tambi\u00e9n dice algo interesante: <strong data-start=\"5648\" data-end=\"5692\">puedes tener varios CDTs al mismo tiempo<\/strong>, lo que sirve para diversificar por metas o por fechas de vencimiento.<\/span><\/p><p data-start=\"5805\" data-end=\"6121\"><span style=\"color: #000000;\">En cuanto a la mec\u00e1nica del producto, Nu se\u00f1ala que los intereses se calculan <strong data-start=\"5883\" data-end=\"5898\">diariamente<\/strong> con base en un a\u00f1o de <strong data-start=\"5921\" data-end=\"5933\">365 d\u00edas<\/strong>, aunque el dinero se recibe al vencimiento del plazo elegido. Eso es importante porque permite hacer simulaciones m\u00e1s precisas de los rendimientos.\u00a0<\/span><\/p><p data-start=\"6123\" data-end=\"6412\"><span style=\"color: #000000;\">Y hay otro punto clave para no llevarse sorpresas: el pago del capital y de los intereses se hace por <strong data-start=\"6225\" data-end=\"6303\">transferencia electr\u00f3nica a la cuenta Nu del titular registrado en Deceval<\/strong>. Es decir, el ciclo del producto ocurre dentro del ecosistema de Nu.\u00a0<\/span><\/p><h2 data-section-id=\"praobc\" data-start=\"6414\" data-end=\"6462\"><span style=\"color: #000000;\"><strong data-start=\"6417\" data-end=\"6462\">\u00bfEl CDT de Nu est\u00e1 protegido por Fogaf\u00edn?<\/strong><\/span><\/h2><p data-start=\"6464\" data-end=\"6515\"><span style=\"color: #000000;\">S\u00ed. Y esta es una de las preguntas m\u00e1s importantes.<\/span><\/p><p data-start=\"6517\" data-end=\"6816\"><span style=\"color: #000000;\">Nu indica en su reglamento que sus CDT est\u00e1n amparados por el <strong data-start=\"6579\" data-end=\"6613\">Seguro de Dep\u00f3sitos de Fogaf\u00edn<\/strong>, y Fogaf\u00edn, por su parte, lista a <strong data-start=\"6648\" data-end=\"6695\">Nu Colombia Compa\u00f1\u00eda de Financiamiento S.A.<\/strong> entre las entidades inscritas al seguro.\u00a0<\/span><\/p><p data-start=\"6818\" data-end=\"7332\"><span style=\"color: #000000;\">La cobertura m\u00e1xima vigente es de <strong data-start=\"6852\" data-end=\"6904\">hasta $50 millones por depositante y por entidad<\/strong>. Esto no significa \u201c$50 millones por cada producto\u201d, sino por persona dentro de la misma entidad. Si en Nu tienes una <strong data-start=\"7023\" data-end=\"7036\">Cuenta Nu<\/strong> y adem\u00e1s uno o varios <strong data-start=\"7059\" data-end=\"7066\">CDT<\/strong>, Fogaf\u00edn explica que <strong data-start=\"7088\" data-end=\"7111\">se suman los saldos<\/strong> asociados a tu identificaci\u00f3n y se cubre hasta ese tope. Si el total supera los $50 millones, el excedente tendr\u00eda que reclamarse ante el liquidador en un escenario de liquidaci\u00f3n.<\/span><\/p><p data-start=\"7334\" data-end=\"7706\"><span style=\"color: #000000;\">Otro punto valioso: el <strong data-start=\"7357\" data-end=\"7427\">Seguro de Dep\u00f3sitos es autom\u00e1tico y no le cuesta nada al ahorrador<\/strong>. Y, si alguna vez una entidad inscrita entra en liquidaci\u00f3n forzosa administrativa, Fogaf\u00edn se\u00f1ala que propender\u00e1 por pagar el seguro dentro de los <strong data-start=\"7576\" data-end=\"7598\">siete d\u00edas h\u00e1biles<\/strong> siguientes, con base en la informaci\u00f3n entregada por el liquidador.<\/span><\/p><h2 data-section-id=\"1knc2j\" data-start=\"7708\" data-end=\"7753\"><span style=\"color: #000000;\"><strong data-start=\"7711\" data-end=\"7753\">\u00bfPara qui\u00e9n s\u00ed vale la pena el CDT Nu?<\/strong><\/span><\/h2><p data-start=\"7755\" data-end=\"8219\"><span style=\"color: #000000;\">El <strong data-start=\"7758\" data-end=\"7781\">CDT Nubank Colombia<\/strong> puede tener mucho sentido para quien ya tiene un dinero separado y quiere una <strong data-start=\"7860\" data-end=\"7881\">rentabilidad fija<\/strong> sin la tentaci\u00f3n de gastarlo. Por ejemplo, si apartaste plata para renovar el carro en unos meses, para pagar matr\u00edcula, para un viaje o para guardar una reserva empresarial o familiar que no vas a tocar enseguida, este producto puede sentirse m\u00e1s c\u00f3modo que tener el dinero completamente l\u00edquido.<\/span><\/p><p data-start=\"8221\" data-end=\"8614\"><span style=\"color: #000000;\">En cambio, si sospechas que vas a necesitar ese dinero ma\u00f1ana, la pr\u00f3xima semana o ante cualquier imprevisto, probablemente no sea la mejor herramienta. En ese caso, incluso Nu ha explicado en sus contenidos recientes que las <strong data-start=\"8447\" data-end=\"8458\">Cajitas<\/strong> cumplen mejor el papel de liquidez, mientras que el <strong data-start=\"8511\" data-end=\"8518\">CDT<\/strong> funciona m\u00e1s como un ahorro \u201cbloqueado\u201d con meta clara.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-006d8df elementor-widget elementor-widget-heading\" data-id=\"006d8df\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes sobre el CDT de Nu en Colombia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d1180 elementor-widget elementor-widget-text-editor\" data-id=\"c0d1180\" 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<h3 data-section-id=\"12md5un\" data-start=\"10375\" data-end=\"10435\"><span style=\"color: #000000;\"><strong data-start=\"10379\" data-end=\"10435\">1. \u00bfCu\u00e1l es el monto m\u00ednimo para abrir un CDT en Nu?<\/strong><\/span><\/h3><p data-start=\"10436\" data-end=\"10518\"><span style=\"color: #000000;\">El monto m\u00ednimo oficial es de <strong data-start=\"10466\" data-end=\"10477\">$50.000<\/strong>.<\/span><\/p><h3 data-section-id=\"v9l2de\" data-start=\"10520\" data-end=\"10576\"><span style=\"color: #000000;\"><strong data-start=\"10524\" data-end=\"10576\">2. \u00bfPuedo sacar el dinero antes del vencimiento?<\/strong><\/span><\/h3><p data-start=\"10577\" data-end=\"10760\"><span style=\"color: #000000;\">No, en general <strong data-start=\"10592\" data-end=\"10637\">no se puede redimir antes del vencimiento<\/strong>, salvo las situaciones previstas por la normatividad y el reglamento del producto.\u00a0<\/span><\/p><h3 data-section-id=\"i80zo9\" data-start=\"10762\" data-end=\"10802\"><span style=\"color: #000000;\"><strong data-start=\"10766\" data-end=\"10802\">3. \u00bfQu\u00e9 tasa paga hoy el CDT Nu?<\/strong><\/span><\/h3><p data-start=\"10803\" data-end=\"11009\"><span style=\"color: #000000;\">Depende del plazo. Hoy la tabla oficial va desde <strong data-start=\"10852\" data-end=\"10876\">9,40% E.A. a 60 d\u00edas<\/strong> hasta <strong data-start=\"10883\" data-end=\"10910\">10,50% E.A. a 1080 d\u00edas<\/strong>, con vigencia publicada desde el <strong data-start=\"10944\" data-end=\"10968\">2 de febrero de 2026<\/strong>.\u00a0<\/span><\/p><h3 data-section-id=\"118opbj\" data-start=\"11011\" data-end=\"11066\"><span style=\"color: #000000;\"><strong data-start=\"11015\" data-end=\"11066\">4. \u00bfEl CDT Nu cobra comisi\u00f3n o cuota de manejo?<\/strong><\/span><\/h3><p data-start=\"11067\" data-end=\"11199\"><span style=\"color: #000000;\">Seg\u00fan el PDF oficial de plazos y tasas, los costos por apertura y administraci\u00f3n son <strong data-start=\"11152\" data-end=\"11158\">$0<\/strong>.\u00a0<\/span><\/p><h3 data-section-id=\"1oiw25b\" data-start=\"11201\" data-end=\"11244\"><span style=\"color: #000000;\"><strong data-start=\"11205\" data-end=\"11244\">5. \u00bfCu\u00e1ntos CDTs puedo tener en Nu?<\/strong><\/span><\/h3><p data-start=\"11245\" data-end=\"11364\"><span style=\"color: #000000;\">Nu afirma que puedes tener <strong data-start=\"11272\" data-end=\"11323\">la cantidad de CDTs que quieras al mismo tiempo<\/strong>.<\/span><\/p><h3 data-section-id=\"120jlyb\" data-start=\"11366\" data-end=\"11418\"><span style=\"color: #000000;\"><strong data-start=\"11370\" data-end=\"11418\">6. \u00bfEl CDT de Nu est\u00e1 protegido por Fogaf\u00edn?<\/strong><\/span><\/h3><p data-start=\"11419\" data-end=\"11608\"><span style=\"color: #000000;\">S\u00ed. Los <strong data-start=\"11427\" data-end=\"11434\">CDT<\/strong> est\u00e1n dentro de los productos cubiertos por Fogaf\u00edn, y <strong data-start=\"11490\" data-end=\"11537\">Nu Colombia Compa\u00f1\u00eda de Financiamiento S.A.<\/strong> aparece como entidad inscrita.<\/span><\/p><h3 data-section-id=\"viz7ii\" data-start=\"11610\" data-end=\"11658\"><span style=\"color: #000000;\"><strong data-start=\"11614\" data-end=\"11658\">7. \u00bfCu\u00e1nto dinero asegura Fogaf\u00edn en Nu?<\/strong><\/span><\/h3><p data-start=\"11659\" data-end=\"11835\"><span style=\"color: #000000;\">Hasta <strong data-start=\"11665\" data-end=\"11707\">$50 millones por titular y por entidad<\/strong>. Si tienes varios productos en Nu, sus saldos protegidos se <strong data-start=\"11768\" data-end=\"11777\">suman<\/strong> para ese c\u00e1lculo.<\/span><\/p><h3 data-section-id=\"d9xrge\" data-start=\"11837\" data-end=\"11908\"><span style=\"color: #000000;\"><strong data-start=\"11841\" data-end=\"11908\">8. \u00bfLa rentabilidad que veo en el VTUP es la tasa real del CDT?<\/strong><\/span><\/h3><p data-start=\"11909\" data-end=\"12164\"><span style=\"color: #000000;\">No exactamente. Nu aclara que el <strong data-start=\"11942\" data-end=\"11968\">VTUP es una proyecci\u00f3n<\/strong>, no una oferta comercial y <strong data-start=\"11996\" data-end=\"12033\">no constituye una tasa de inter\u00e9s<\/strong>. La referencia principal para evaluar el producto es la <strong data-start=\"12090\" data-end=\"12103\">tasa E.A.<\/strong> publicada por plazo.\u00a0<\/span><\/p><h3 data-section-id=\"13l8a3n\" data-start=\"12166\" data-end=\"12206\"><span style=\"color: #000000;\"><strong data-start=\"12170\" data-end=\"12206\">9. \u00bfQui\u00e9n puede abrir un CDT Nu?<\/strong><\/span><\/h3><p data-start=\"12207\" data-end=\"12420\"><span style=\"color: #000000;\">Seg\u00fan Nu, puede abrirlo una <strong data-start=\"12235\" data-end=\"12254\">persona natural<\/strong>, <strong data-start=\"12256\" data-end=\"12273\">mayor de edad<\/strong>, con documento de identidad v\u00e1lido. El dep\u00f3sito es <strong data-start=\"12325\" data-end=\"12339\">individual<\/strong>.\u00a0<\/span><\/p><h3 data-section-id=\"bjjm5q\" data-start=\"12422\" data-end=\"12470\"><span style=\"color: #000000;\"><strong data-start=\"12426\" data-end=\"12470\">10. \u00bfC\u00f3mo se paga el CDT al vencimiento?<\/strong><\/span><\/h3><p data-start=\"12471\" data-end=\"12631\"><span style=\"color: #000000;\">Nu indica que al vencimiento transfiere el capital y los intereses a la <strong data-start=\"12543\" data-end=\"12568\">cuenta Nu del titular<\/strong> registrado en Deceval.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulador CDT Nu Tasas oficiales vigentes Fogaf\u00edn hasta $50 millones Calculadora de rendimientos del CDT de Nu Colombia Estima el rendimiento bruto de tu CDT con las tasas oficiales vigentes desde el 02 de febrero de 2026, compara todos los plazos disponibles y revisa una estimaci\u00f3n de cobertura Fogaf\u00edn. C\u00f3mo calcula este simulador Usa tasa&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"template":"","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-6221","herramientas","type-herramientas","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/6221","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":19,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/6221\/revisions"}],"predecessor-version":[{"id":6240,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/6221\/revisions\/6240"}],"wp:attachment":[{"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media?parent=6221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}