{"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":"2026-08-10T18:35:35","modified_gmt":"2026-08-10T23:35:35","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-con-full e-flex e-con e-parent\" data-id=\"6f88e7f\" data-element_type=\"container\" data-e-type=\"container\">\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-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  #nubank-cdt-calc-app {\r\n    --ig-ink: #143a34;\r\n    --ig-ink-2: #1f4d45;\r\n    --ig-muted: #5c716b;\r\n    --ig-muted-2: #7a8d88;\r\n    --ig-green: #0f9f7a;\r\n    --ig-green-dark: #0b6f59;\r\n    --ig-green-soft: #e5f7f1;\r\n    --ig-green-softer: #f3fbf8;\r\n    --ig-coral: #ef6a4a;\r\n    --ig-coral-dark: #c94d31;\r\n    --ig-coral-soft: #fff0e9;\r\n    --ig-purple: #7c3aed;\r\n    --ig-purple-soft: #f0eafe;\r\n    --ig-amber: #a76307;\r\n    --ig-amber-soft: #fff7df;\r\n    --ig-danger: #b42318;\r\n    --ig-danger-soft: #fff0ef;\r\n    --ig-line: rgba(20,58,52,.13);\r\n    --ig-line-strong: rgba(20,58,52,.22);\r\n    --ig-bg: #f5faf8;\r\n    --ig-card: #ffffff;\r\n    --ig-shadow: 0 18px 46px rgba(20,58,52,.09);\r\n    --ig-shadow-soft: 0 10px 28px rgba(20,58,52,.07);\r\n    --ig-radius: 18px;\r\n    width: 100%;\r\n    overflow: hidden;\r\n    color: var(--ig-ink);\r\n    background: var(--ig-bg);\r\n    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\r\n    line-height: 1.5;\r\n    -webkit-font-smoothing: antialiased;\r\n    text-rendering: optimizeLegibility;\r\n  }\r\n\r\n  #nubank-cdt-calc-app,\r\n  #nubank-cdt-calc-app *,\r\n  #nubank-cdt-calc-app *::before,\r\n  #nubank-cdt-calc-app *::after { box-sizing: border-box; }\r\n\r\n  #nubank-cdt-calc-app :where(h1,h2,h3,h4,p,ul,li,figure,blockquote) { margin: 0; padding: 0; }\r\n  #nubank-cdt-calc-app :where(button,input,select) { font: inherit; }\r\n  #nubank-cdt-calc-app button,\r\n  #nubank-cdt-calc-app input,\r\n  #nubank-cdt-calc-app select { -webkit-tap-highlight-color: transparent; }\r\n  #nubank-cdt-calc-app a {\r\n    color: var(--ig-green-dark);\r\n    font-weight: 800;\r\n    text-decoration: underline;\r\n    text-decoration-thickness: 1px;\r\n    text-underline-offset: 3px;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-container {\r\n    width: min(1180px, calc(100% - 28px));\r\n    margin: 0 auto;\r\n    padding: 28px 0 34px;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-card,\r\n  #nubank-cdt-calc-app .nu-panel {\r\n    min-width: 0;\r\n    border: 1px solid var(--ig-line);\r\n    border-radius: var(--ig-radius);\r\n    background: var(--ig-card);\r\n    box-shadow: var(--ig-shadow-soft);\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-eyebrow,\r\n  #nubank-cdt-calc-app .nu-pill,\r\n  #nubank-cdt-calc-app .nu-mini-tag {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    gap: 7px;\r\n    width: fit-content;\r\n    border-radius: 999px;\r\n    font-size: 12px;\r\n    font-weight: 850;\r\n    line-height: 1.2;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-eyebrow {\r\n    min-height: 32px;\r\n    padding: 7px 11px;\r\n    border: 1px solid rgba(15,159,122,.25);\r\n    color: var(--ig-green-dark);\r\n    background: rgba(255,255,255,.78);\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-pill {\r\n    min-height: 30px;\r\n    padding: 6px 10px;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-pill--green { color: var(--ig-green-dark); background: var(--ig-green-soft); }\r\n  #nubank-cdt-calc-app .nu-pill--purple { color: var(--ig-purple); background: var(--ig-purple-soft); }\r\n  #nubank-cdt-calc-app .nu-pill--coral { color: var(--ig-coral-dark); background: var(--ig-coral-soft); }\r\n\r\n  #nubank-cdt-calc-app .nu-dot {\r\n    width: 8px;\r\n    height: 8px;\r\n    border-radius: 50%;\r\n    background: var(--ig-green);\r\n    box-shadow: 0 0 0 4px rgba(15,159,122,.13);\r\n    flex: 0 0 auto;\r\n  }\r\n\r\n  \/* HERO *\/\r\n  #nubank-cdt-calc-app .nu-hero {\r\n    display: grid;\r\n    grid-template-columns: minmax(0,1.18fr) minmax(330px,.72fr);\r\n    gap: 18px;\r\n    align-items: stretch;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-hero-main {\r\n    position: relative;\r\n    overflow: hidden;\r\n    padding: 34px;\r\n    background:\r\n      radial-gradient(circle at 96% 2%, rgba(124,58,237,.08), transparent 34%),\r\n      radial-gradient(circle at 5% 95%, rgba(15,159,122,.08), transparent 35%),\r\n      #fff;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-hero-main::before {\r\n    content: \"\";\r\n    position: absolute;\r\n    inset: 0 0 auto;\r\n    height: 4px;\r\n    background: linear-gradient(90deg, var(--ig-green), var(--ig-coral));\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-hero h2 {\r\n    max-width: 760px;\r\n    margin-top: 16px;\r\n    color: var(--ig-ink);\r\n    font-size: clamp(34px, 5vw, 58px);\r\n    line-height: 1.02;\r\n    letter-spacing: -.035em;\r\n    font-weight: 950;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-hero h2 span { color: var(--ig-coral-dark); }\r\n\r\n  #nubank-cdt-calc-app .nu-hero-copy {\r\n    max-width: 730px;\r\n    margin-top: 16px;\r\n    color: var(--ig-muted);\r\n    font-size: 17px;\r\n    line-height: 1.72;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-benefits {\r\n    display: grid;\r\n    grid-template-columns: repeat(3,minmax(0,1fr));\r\n    gap: 10px;\r\n    margin-top: 24px;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-benefit {\r\n    display: grid;\r\n    grid-template-columns: 38px minmax(0,1fr);\r\n    gap: 10px;\r\n    align-items: center;\r\n    min-height: 76px;\r\n    padding: 12px;\r\n    border: 1px solid var(--ig-line);\r\n    border-radius: 14px;\r\n    background: rgba(255,255,255,.9);\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-benefit-icon {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    width: 38px;\r\n    height: 38px;\r\n    border-radius: 12px;\r\n    color: var(--ig-green-dark);\r\n    background: var(--ig-green-soft);\r\n    font-size: 12px;\r\n    font-weight: 950;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-benefit:nth-child(2) .nu-benefit-icon { color: var(--ig-purple); background: var(--ig-purple-soft); }\r\n  #nubank-cdt-calc-app .nu-benefit:nth-child(3) .nu-benefit-icon { color: var(--ig-coral-dark); background: var(--ig-coral-soft); }\r\n  #nubank-cdt-calc-app .nu-benefit strong { display:block; color:var(--ig-ink); font-size:13px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-benefit span { display:block; margin-top:2px; color:var(--ig-muted); font-size:11px; line-height:1.35; }\r\n\r\n  #nubank-cdt-calc-app .nu-rate-radar {\r\n    padding: 28px;\r\n    color: #fff;\r\n    background:\r\n      radial-gradient(circle at 100% 0%, rgba(239,106,74,.20), transparent 32%),\r\n      linear-gradient(145deg, #173b35, #12322d);\r\n    border-color: rgba(20,58,52,.35);\r\n    box-shadow: 0 22px 52px rgba(20,58,52,.18);\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-rate-radar .nu-pill { color:#e7fff7; background:rgba(255,255,255,.10); border:1px solid rgba(255,255,255,.14); }\r\n  #nubank-cdt-calc-app .nu-rate-radar h3 { margin-top:14px; color:#fff; font-size:26px; line-height:1.12; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-rate-radar p { margin-top:10px; color:rgba(255,255,255,.76); font-size:13px; line-height:1.55; }\r\n  #nubank-cdt-calc-app .nu-max-rate {\r\n    margin-top: 18px;\r\n    padding: 18px;\r\n    border: 1px solid rgba(255,255,255,.14);\r\n    border-radius: 16px;\r\n    background: rgba(255,255,255,.08);\r\n  }\r\n  #nubank-cdt-calc-app .nu-max-rate span { display:block; color:rgba(255,255,255,.68); font-size:11px; font-weight:800; text-transform:uppercase; letter-spacing:.04em; }\r\n  #nubank-cdt-calc-app .nu-max-rate strong { display:block; margin-top:4px; color:#fff; font-size:40px; line-height:1; font-weight:950; white-space:nowrap; }\r\n  #nubank-cdt-calc-app .nu-max-rate small { display:block; margin-top:8px; color:#d7eee8; font-size:12px; }\r\n  #nubank-cdt-calc-app .nu-rate-list-mini { display:grid; gap:8px; margin-top:14px; }\r\n  #nubank-cdt-calc-app .nu-rate-mini-row { display:flex; justify-content:space-between; gap:12px; padding:9px 0; border-bottom:1px solid rgba(255,255,255,.10); font-size:12px; }\r\n  #nubank-cdt-calc-app .nu-rate-mini-row:last-child { border-bottom:0; }\r\n  #nubank-cdt-calc-app .nu-rate-mini-row span { color:rgba(255,255,255,.70); }\r\n  #nubank-cdt-calc-app .nu-rate-mini-row strong { color:#fff; white-space:nowrap; }\r\n\r\n  \/* CALCULATOR *\/\r\n  #nubank-cdt-calc-app .nu-calculator {\r\n    display: grid;\r\n    grid-template-columns: minmax(0,1.45fr) minmax(300px,.55fr);\r\n    gap: 18px;\r\n    margin-top: 18px;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-form-card { padding: 28px; }\r\n  #nubank-cdt-calc-app .nu-section-kicker { color:var(--ig-green-dark); font-size:11px; font-weight:900; text-transform:uppercase; letter-spacing:.055em; }\r\n  #nubank-cdt-calc-app .nu-form-card h3,\r\n  #nubank-cdt-calc-app .nu-selection-card h3,\r\n  #nubank-cdt-calc-app .nu-section-title { margin-top:5px; color:var(--ig-ink); font-size:24px; line-height:1.18; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-section-intro { margin-top:6px; color:var(--ig-muted); font-size:13px; line-height:1.55; }\r\n\r\n  #nubank-cdt-calc-app .nu-step { margin-top:24px; }\r\n  #nubank-cdt-calc-app .nu-step-head { display:flex; align-items:center; gap:9px; margin-bottom:10px; }\r\n  #nubank-cdt-calc-app .nu-step-num {\r\n    display:inline-flex; align-items:center; justify-content:center;\r\n    width:30px; height:30px; border-radius:10px;\r\n    color:var(--ig-green-dark); background:var(--ig-green-soft);\r\n    font-size:12px; font-weight:950; flex:0 0 auto;\r\n  }\r\n  #nubank-cdt-calc-app .nu-step-head strong { color:var(--ig-ink); font-size:14px; font-weight:900; }\r\n\r\n  #nubank-cdt-calc-app .nu-field label { display:block; margin-bottom:7px; color:var(--ig-ink-2); font-size:13px; font-weight:850; }\r\n  #nubank-cdt-calc-app .nu-input,\r\n  #nubank-cdt-calc-app .nu-select {\r\n    width:100%; min-height:54px; padding:13px 14px;\r\n    border:1px solid var(--ig-line-strong); border-radius:13px;\r\n    outline:0; color:var(--ig-ink); background:#fff;\r\n    font-size:16px; font-weight:750;\r\n    transition:border-color .18s ease, box-shadow .18s ease, background-color .18s ease;\r\n  }\r\n  #nubank-cdt-calc-app .nu-input:focus,\r\n  #nubank-cdt-calc-app .nu-select:focus { border-color:var(--ig-green); box-shadow:0 0 0 4px rgba(15,159,122,.12); }\r\n  #nubank-cdt-calc-app .nu-help { margin-top:6px; color:var(--ig-muted); font-size:11px; line-height:1.45; }\r\n\r\n  #nubank-cdt-calc-app .nu-amount-row { display:grid; grid-template-columns:minmax(0,1fr) minmax(210px,.45fr); gap:12px; }\r\n\r\n  #nubank-cdt-calc-app .nu-term-featured {\r\n    display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:10px;\r\n  }\r\n  #nubank-cdt-calc-app .nu-term-card {\r\n    position:relative; display:grid; gap:4px; min-height:96px; padding:14px;\r\n    border:1px solid var(--ig-line); border-radius:14px; background:#fff;\r\n    color:var(--ig-ink); text-align:left; cursor:pointer;\r\n    transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease,background-color .16s ease;\r\n  }\r\n  #nubank-cdt-calc-app .nu-term-card:hover { transform:translateY(-2px); border-color:var(--ig-line-strong); box-shadow:var(--ig-shadow-soft); }\r\n  #nubank-cdt-calc-app .nu-term-card.is-selected { border-color:var(--ig-green); background:var(--ig-green-softer); box-shadow:inset 0 0 0 1px rgba(15,159,122,.15),var(--ig-shadow-soft); }\r\n  #nubank-cdt-calc-app .nu-term-card.is-max { border-color:rgba(239,106,74,.36); }\r\n  #nubank-cdt-calc-app .nu-term-card small { color:var(--ig-muted); font-size:10px; font-weight:800; text-transform:uppercase; letter-spacing:.04em; }\r\n  #nubank-cdt-calc-app .nu-term-card strong { color:var(--ig-ink); font-size:17px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-term-card span { color:var(--ig-green-dark); font-size:14px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-term-card em { color:var(--ig-coral-dark); font-size:10px; font-style:normal; font-weight:850; }\r\n\r\n  #nubank-cdt-calc-app .nu-all-terms { margin-top:10px; border:1px solid var(--ig-line); border-radius:14px; background:#fbfefd; overflow:hidden; }\r\n  #nubank-cdt-calc-app .nu-all-terms summary { list-style:none; cursor:pointer; padding:12px 14px; color:var(--ig-green-dark); font-size:12px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-all-terms summary::-webkit-details-marker { display:none; }\r\n  #nubank-cdt-calc-app .nu-all-terms summary::after { content:\"\uff0b\"; float:right; }\r\n  #nubank-cdt-calc-app .nu-all-terms[open] summary::after { content:\"\u2212\"; }\r\n  #nubank-cdt-calc-app .nu-all-term-grid { display:grid; grid-template-columns:repeat(5,minmax(0,1fr)); gap:8px; padding:0 12px 12px; }\r\n  #nubank-cdt-calc-app .nu-all-term-btn {\r\n    min-height:66px; padding:9px; border:1px solid var(--ig-line); border-radius:12px; background:#fff; cursor:pointer; text-align:center;\r\n  }\r\n  #nubank-cdt-calc-app .nu-all-term-btn.is-selected { border-color:var(--ig-green); background:var(--ig-green-softer); }\r\n  #nubank-cdt-calc-app .nu-all-term-btn strong { display:block; color:var(--ig-ink); font-size:12px; }\r\n  #nubank-cdt-calc-app .nu-all-term-btn span { display:block; margin-top:3px; color:var(--ig-green-dark); font-size:11px; font-weight:850; }\r\n  #nubank-cdt-calc-app .nu-sr-select { position:absolute!important; width:1px!important; height:1px!important; padding:0!important; margin:-1px!important; overflow:hidden!important; clip:rect(0,0,0,0)!important; white-space:nowrap!important; border:0!important; }\r\n\r\n  #nubank-cdt-calc-app .nu-advanced { margin-top:18px; border:1px solid var(--ig-line); border-radius:14px; background:#fff; overflow:hidden; }\r\n  #nubank-cdt-calc-app .nu-advanced summary { cursor:pointer; list-style:none; padding:14px 16px; color:var(--ig-ink); font-size:13px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-advanced summary::-webkit-details-marker { display:none; }\r\n  #nubank-cdt-calc-app .nu-advanced summary::after { content:\"\uff0b\"; float:right; color:var(--ig-green-dark); }\r\n  #nubank-cdt-calc-app .nu-advanced[open] summary::after { content:\"\u2212\"; }\r\n  #nubank-cdt-calc-app .nu-advanced-body { display:grid; gap:12px; padding:0 16px 16px; }\r\n  #nubank-cdt-calc-app .nu-tax-option { display:flex; gap:11px; align-items:flex-start; padding:13px; border:1px solid rgba(239,106,74,.24); border-radius:13px; background:var(--ig-coral-soft); cursor:pointer; }\r\n  #nubank-cdt-calc-app .nu-tax-option input { width:20px; height:20px; margin-top:1px; accent-color:var(--ig-green-dark); flex:0 0 auto; }\r\n  #nubank-cdt-calc-app .nu-tax-option strong { display:block; color:var(--ig-ink); font-size:13px; }\r\n  #nubank-cdt-calc-app .nu-tax-option span { color:var(--ig-muted); font-size:11px; line-height:1.45; }\r\n\r\n  #nubank-cdt-calc-app .nu-source-line {\r\n    display:flex; flex-wrap:wrap; align-items:center; gap:7px; margin-top:16px; padding:10px 12px;\r\n    border-radius:12px; color:var(--ig-muted); background:var(--ig-green-softer); font-size:11px;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-actions { display:flex; flex-wrap:wrap; gap:10px; margin-top:18px; }\r\n  #nubank-cdt-calc-app .nu-button {\r\n    display:inline-flex; align-items:center; justify-content:center; gap:8px; min-height:54px; padding:13px 20px;\r\n    border:1px solid transparent; border-radius:13px; cursor:pointer; font-size:14px; font-weight:900;\r\n    transition:transform .16s ease,background-color .16s ease,border-color .16s ease,box-shadow .16s ease;\r\n  }\r\n  #nubank-cdt-calc-app .nu-button--primary { color:#fff; background:var(--ig-ink); box-shadow:0 12px 24px rgba(20,58,52,.16); }\r\n  #nubank-cdt-calc-app .nu-button--primary:hover { transform:translateY(-2px); background:var(--ig-green-dark); }\r\n  #nubank-cdt-calc-app .nu-button--secondary { color:var(--ig-ink); background:#fff; border-color:var(--ig-line-strong); }\r\n  #nubank-cdt-calc-app .nu-button--secondary:hover { background:var(--ig-green-softer); }\r\n\r\n  #nubank-cdt-calc-app .nu-selection-card {\r\n    position:sticky; top:18px; padding:22px;\r\n    background:linear-gradient(180deg,#fff,#f9fdfb);\r\n  }\r\n  #nubank-cdt-calc-app .nu-live-box { margin-top:16px; padding:17px; border:1px solid var(--ig-line); border-radius:15px; background:#fff; }\r\n  #nubank-cdt-calc-app .nu-live-label { color:var(--ig-muted); font-size:10px; font-weight:850; text-transform:uppercase; letter-spacing:.04em; }\r\n  #nubank-cdt-calc-app .nu-live-rate { display:block; margin-top:4px; color:var(--ig-ink); font-size:34px; line-height:1; font-weight:950; white-space:nowrap; }\r\n  #nubank-cdt-calc-app .nu-live-grid { display:grid; grid-template-columns:1fr 1fr; gap:8px; margin-top:10px; }\r\n  #nubank-cdt-calc-app .nu-live-mini { padding:10px; border-radius:11px; background:var(--ig-green-softer); }\r\n  #nubank-cdt-calc-app .nu-live-mini span { display:block; color:var(--ig-muted); font-size:9px; font-weight:800; text-transform:uppercase; }\r\n  #nubank-cdt-calc-app .nu-live-mini strong { display:block; margin-top:3px; color:var(--ig-ink); font-size:12px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-selection-note { margin-top:12px; color:var(--ig-muted); font-size:11px; line-height:1.5; }\r\n\r\n  #nubank-cdt-calc-app .nu-error { margin-top:14px; padding:12px 14px; border:1px solid rgba(180,35,24,.22); border-radius:12px; color:var(--ig-danger); background:var(--ig-danger-soft); font-size:12px; font-weight:800; }\r\n  #nubank-cdt-calc-app .nu-hidden { display:none!important; }\r\n\r\n  \/* RESULTS *\/\r\n  #nubank-cdt-calc-app .nu-results { margin-top:18px; }\r\n  #nubank-cdt-calc-app .nu-result-hero {\r\n    padding:28px; border-radius:22px; color:#fff;\r\n    background:\r\n      radial-gradient(circle at 96% 0%, rgba(239,106,74,.20), transparent 30%),\r\n      linear-gradient(145deg,#153b34,#11312c);\r\n    box-shadow:0 24px 58px rgba(20,58,52,.18);\r\n  }\r\n  #nubank-cdt-calc-app .nu-result-eyebrow { color:#d9eee8; font-size:10px; font-weight:900; text-transform:uppercase; letter-spacing:.06em; }\r\n  #nubank-cdt-calc-app .nu-result-title { margin-top:8px; color:#fff; font-size:26px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-result-money { display:block; margin-top:7px; color:#fff; font-size:clamp(42px,7vw,70px); line-height:1; letter-spacing:-.035em; font-weight:950; white-space:nowrap; font-variant-numeric:tabular-nums; }\r\n  #nubank-cdt-calc-app .nu-result-copy { max-width:900px; margin-top:10px; color:rgba(255,255,255,.76); font-size:13px; line-height:1.55; }\r\n  #nubank-cdt-calc-app .nu-result-grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:10px; margin-top:18px; }\r\n  #nubank-cdt-calc-app .nu-result-kpi { min-height:86px; padding:13px; border:1px solid rgba(255,255,255,.13); border-radius:14px; background:rgba(255,255,255,.08); }\r\n  #nubank-cdt-calc-app .nu-result-kpi span { display:block; color:rgba(255,255,255,.66); font-size:9px; font-weight:850; text-transform:uppercase; letter-spacing:.04em; }\r\n  #nubank-cdt-calc-app .nu-result-kpi strong { display:block; margin-top:5px; color:#fff; font-size:16px; line-height:1.25; font-weight:950; white-space:nowrap; font-variant-numeric:tabular-nums; }\r\n\r\n  #nubank-cdt-calc-app .nu-secondary-kpis { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:10px; margin-top:12px; }\r\n  #nubank-cdt-calc-app .nu-kpi { padding:14px; border:1px solid var(--ig-line); border-radius:14px; background:#fff; }\r\n  #nubank-cdt-calc-app .nu-kpi span { display:block; color:var(--ig-muted); font-size:9px; font-weight:850; text-transform:uppercase; letter-spacing:.04em; }\r\n  #nubank-cdt-calc-app .nu-kpi strong { display:block; margin-top:5px; color:var(--ig-ink); font-size:18px; line-height:1.2; font-weight:950; white-space:nowrap; font-variant-numeric:tabular-nums; }\r\n  #nubank-cdt-calc-app .nu-kpi.is-green { border-left:4px solid var(--ig-green); }\r\n  #nubank-cdt-calc-app .nu-kpi.is-coral { border-left:4px solid var(--ig-coral); }\r\n\r\n  #nubank-cdt-calc-app .nu-section { margin-top:18px; }\r\n  #nubank-cdt-calc-app .nu-section-card { padding:22px; }\r\n  #nubank-cdt-calc-app .nu-section-head { display:flex; align-items:flex-end; justify-content:space-between; gap:14px; margin-bottom:14px; }\r\n  #nubank-cdt-calc-app .nu-section-head h3 { color:var(--ig-ink); font-size:22px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-section-head p { margin-top:4px; color:var(--ig-muted); font-size:12px; line-height:1.5; }\r\n\r\n  #nubank-cdt-calc-app .nu-quick-comparison { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:10px; }\r\n  #nubank-cdt-calc-app .nu-quick-card { position:relative; padding:15px; border:1px solid var(--ig-line); border-radius:14px; background:#fff; cursor:pointer; text-align:left; }\r\n  #nubank-cdt-calc-app .nu-quick-card:hover { border-color:var(--ig-green); box-shadow:var(--ig-shadow-soft); }\r\n  #nubank-cdt-calc-app .nu-quick-card.is-max { background:linear-gradient(180deg,#fff,var(--ig-coral-soft)); border-color:rgba(239,106,74,.28); }\r\n  #nubank-cdt-calc-app .nu-quick-card span { display:block; color:var(--ig-muted); font-size:10px; font-weight:850; text-transform:uppercase; }\r\n  #nubank-cdt-calc-app .nu-quick-card strong { display:block; margin-top:4px; color:var(--ig-ink); font-size:18px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-quick-card b { display:block; margin-top:7px; color:var(--ig-green-dark); font-size:13px; }\r\n  #nubank-cdt-calc-app .nu-quick-card em { display:block; margin-top:4px; color:var(--ig-muted); font-size:10px; font-style:normal; }\r\n\r\n  #nubank-cdt-calc-app .nu-growth-layout { display:grid; grid-template-columns:minmax(0,1.25fr) minmax(250px,.55fr); gap:16px; align-items:stretch; }\r\n  #nubank-cdt-calc-app .nu-chart { min-height:250px; border:1px solid var(--ig-line); border-radius:15px; overflow:hidden; background:linear-gradient(180deg,var(--ig-green-softer),#fff); }\r\n  #nubank-cdt-calc-app .nu-chart svg { display:block; width:100%; height:250px; }\r\n  #nubank-cdt-calc-app .nu-chart-side { padding:18px; border:1px solid var(--ig-line); border-radius:15px; background:#fff; }\r\n  #nubank-cdt-calc-app .nu-chart-side h4 { color:var(--ig-ink); font-size:18px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-chart-side p { margin-top:7px; color:var(--ig-muted); font-size:12px; line-height:1.55; }\r\n  #nubank-cdt-calc-app .nu-chart-final { display:block; margin-top:16px; color:var(--ig-green-dark); font-size:24px; font-weight:950; white-space:nowrap; }\r\n\r\n  #nubank-cdt-calc-app .nu-disclosure { margin-top:12px; border:1px solid var(--ig-line); border-radius:14px; background:#fff; overflow:hidden; }\r\n  #nubank-cdt-calc-app .nu-disclosure summary { cursor:pointer; list-style:none; padding:14px 16px; color:var(--ig-ink); font-size:13px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-disclosure summary::-webkit-details-marker { display:none; }\r\n  #nubank-cdt-calc-app .nu-disclosure summary::after { content:\"\uff0b\"; float:right; color:var(--ig-green-dark); }\r\n  #nubank-cdt-calc-app .nu-disclosure[open] summary::after { content:\"\u2212\"; }\r\n  #nubank-cdt-calc-app .nu-disclosure-body { padding:0 14px 14px; }\r\n\r\n  #nubank-cdt-calc-app .nu-table-wrap { width:100%; overflow-x:auto; -webkit-overflow-scrolling:touch; border:1px solid var(--ig-line); border-radius:13px; background:#fff; }\r\n  #nubank-cdt-calc-app .nu-table { width:100%; min-width:780px; border-collapse:collapse; font-variant-numeric:tabular-nums; }\r\n  #nubank-cdt-calc-app .nu-table th { padding:10px 11px; background:var(--ig-ink); color:#fff; font-size:10px; font-weight:850; text-transform:uppercase; letter-spacing:.035em; text-align:right; white-space:nowrap; }\r\n  #nubank-cdt-calc-app .nu-table td { padding:11px; border-bottom:1px solid var(--ig-line); color:var(--ig-ink-2); font-size:12px; text-align:right; white-space:nowrap; }\r\n  #nubank-cdt-calc-app .nu-table th:first-child,\r\n  #nubank-cdt-calc-app .nu-table td:first-child { text-align:left; }\r\n  #nubank-cdt-calc-app .nu-table tbody tr:nth-child(even) { background:var(--ig-green-softer); }\r\n  #nubank-cdt-calc-app .nu-table tbody tr.nu-selected-row { background:#dff8f0; }\r\n  #nubank-cdt-calc-app .nu-text-green { color:var(--ig-green-dark); font-weight:850; }\r\n  #nubank-cdt-calc-app .nu-text-red { color:var(--ig-coral-dark); font-weight:850; }\r\n  #nubank-cdt-calc-app .nu-strong { font-weight:900; }\r\n\r\n  #nubank-cdt-calc-app .nu-fogafin-layout { display:grid; grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr); gap:14px; }\r\n  #nubank-cdt-calc-app .nu-fogafin-main { padding:18px; border:1px solid var(--ig-line); border-radius:15px; background:var(--ig-green-softer); }\r\n  #nubank-cdt-calc-app .nu-fogafin-main span { color:var(--ig-muted); font-size:10px; font-weight:850; text-transform:uppercase; }\r\n  #nubank-cdt-calc-app .nu-fogafin-main strong { display:block; margin-top:5px; color:var(--ig-ink); font-size:30px; font-weight:950; white-space:nowrap; font-variant-numeric:tabular-nums; }\r\n  #nubank-cdt-calc-app .nu-fogafin-grid { display:grid; grid-template-columns:1fr 1fr; gap:10px; }\r\n  #nubank-cdt-calc-app .nu-fogafin-mini { padding:14px; border:1px solid var(--ig-line); border-radius:14px; background:#fff; }\r\n  #nubank-cdt-calc-app .nu-fogafin-mini span { display:block; color:var(--ig-muted); font-size:9px; font-weight:850; text-transform:uppercase; }\r\n  #nubank-cdt-calc-app .nu-fogafin-mini strong { display:block; margin-top:5px; color:var(--ig-ink); font-size:18px; font-weight:950; white-space:nowrap; font-variant-numeric:tabular-nums; }\r\n  #nubank-cdt-calc-app .nu-fogafin-status { margin-top:10px; padding:11px 12px; border-radius:11px; font-size:11px; font-weight:800; line-height:1.45; }\r\n  #nubank-cdt-calc-app .nu-fogafin-status.is-ok { color:var(--ig-green-dark); background:var(--ig-green-soft); }\r\n  #nubank-cdt-calc-app .nu-fogafin-status.is-warn { color:var(--ig-coral-dark); background:var(--ig-coral-soft); }\r\n\r\n  #nubank-cdt-calc-app .nu-condition-grid { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:10px; }\r\n  #nubank-cdt-calc-app .nu-condition { padding:15px; border:1px solid var(--ig-line); border-radius:14px; background:#fff; }\r\n  #nubank-cdt-calc-app .nu-condition-icon { display:inline-flex; align-items:center; justify-content:center; width:34px; height:34px; border-radius:11px; color:var(--ig-green-dark); background:var(--ig-green-soft); font-size:11px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-condition:nth-child(2) .nu-condition-icon { color:var(--ig-purple); background:var(--ig-purple-soft); }\r\n  #nubank-cdt-calc-app .nu-condition:nth-child(3) .nu-condition-icon { color:var(--ig-coral-dark); background:var(--ig-coral-soft); }\r\n  #nubank-cdt-calc-app .nu-condition strong { display:block; margin-top:9px; color:var(--ig-ink); font-size:14px; font-weight:950; }\r\n  #nubank-cdt-calc-app .nu-condition p { margin-top:4px; color:var(--ig-muted); font-size:11px; line-height:1.5; }\r\n\r\n\r\n\r\n  #nubank-cdt-calc-app .nu-pdf-panel {\r\n    display: grid;\r\n    grid-template-columns: minmax(0,1fr) auto;\r\n    gap: 16px;\r\n    align-items: center;\r\n    margin-top: 14px;\r\n    padding: 16px 18px;\r\n    border: 1px solid rgba(239,106,74,.24);\r\n    border-radius: 16px;\r\n    background: linear-gradient(135deg, var(--ig-coral-soft), #fff 62%);\r\n  }\r\n  #nubank-cdt-calc-app .nu-pdf-panel h4 {\r\n    margin: 0;\r\n    color: var(--ig-ink);\r\n    font-size: 15px;\r\n    line-height: 1.3;\r\n    font-weight: 900;\r\n  }\r\n  #nubank-cdt-calc-app .nu-pdf-panel p {\r\n    margin: 4px 0 0;\r\n    color: var(--ig-muted);\r\n    font-size: 12px;\r\n    line-height: 1.55;\r\n  }\r\n  #nubank-cdt-calc-app .nu-pdf-actions {\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: flex-end;\r\n    gap: 6px;\r\n  }\r\n  #nubank-cdt-calc-app .nu-button--coral {\r\n    color: #fff;\r\n    background: var(--ig-coral);\r\n    border-color: var(--ig-coral);\r\n  }\r\n  #nubank-cdt-calc-app .nu-button--coral:hover {\r\n    background: var(--ig-coral-dark);\r\n    border-color: var(--ig-coral-dark);\r\n  }\r\n  #nubank-cdt-calc-app .nu-button:disabled {\r\n    cursor: not-allowed;\r\n    opacity: .58;\r\n    transform: none !important;\r\n    box-shadow: none !important;\r\n  }\r\n  #nubank-cdt-calc-app .nu-pdf-status {\r\n    color: var(--ig-muted);\r\n    font-size: 11px;\r\n    line-height: 1.35;\r\n    text-align: right;\r\n  }\r\n\r\n  #nubank-cdt-calc-app .nu-faq { display:grid; gap:9px; }\r\n  #nubank-cdt-calc-app .nu-faq details { border:1px solid var(--ig-line); border-radius:13px; background:#fff; overflow:hidden; }\r\n  #nubank-cdt-calc-app .nu-faq summary { cursor:pointer; list-style:none; padding:14px 16px; color:var(--ig-ink); font-size:13px; font-weight:900; }\r\n  #nubank-cdt-calc-app .nu-faq summary::-webkit-details-marker { display:none; }\r\n  #nubank-cdt-calc-app .nu-faq summary::after { content:\"\uff0b\"; float:right; color:var(--ig-green-dark); }\r\n  #nubank-cdt-calc-app .nu-faq details[open] summary::after { content:\"\u2212\"; }\r\n  #nubank-cdt-calc-app .nu-faq p { padding:0 16px 14px; color:var(--ig-muted); font-size:12px; line-height:1.6; }\r\n\r\n  #nubank-cdt-calc-app .nu-warning { margin-top:18px; padding:14px 16px; border:1px solid rgba(239,106,74,.28); border-radius:14px; color:var(--ig-coral-dark); background:var(--ig-coral-soft); font-size:12px; line-height:1.55; }\r\n  #nubank-cdt-calc-app .nu-footer { margin-top:18px; padding:16px; text-align:center; color:var(--ig-muted); font-size:11px; line-height:1.65; }\r\n  #nubank-cdt-calc-app .nu-footer-links { display:flex; flex-wrap:wrap; justify-content:center; gap:8px 12px; margin-top:8px; }\r\n\r\n  @media (max-width: 1020px) {\r\n    #nubank-cdt-calc-app .nu-hero,\r\n    #nubank-cdt-calc-app .nu-calculator { grid-template-columns:1fr; }\r\n    #nubank-cdt-calc-app .nu-selection-card { position:static; }\r\n    #nubank-cdt-calc-app .nu-term-featured,\r\n    #nubank-cdt-calc-app .nu-result-grid,\r\n    #nubank-cdt-calc-app .nu-secondary-kpis,\r\n    #nubank-cdt-calc-app .nu-quick-comparison { grid-template-columns:repeat(2,minmax(0,1fr)); }\r\n    #nubank-cdt-calc-app .nu-all-term-grid { grid-template-columns:repeat(3,minmax(0,1fr)); }\r\n    #nubank-cdt-calc-app .nu-growth-layout,\r\n    #nubank-cdt-calc-app .nu-fogafin-layout { grid-template-columns:1fr; }\r\n  }\r\n\r\n  @media (max-width: 720px) {\r\n    #nubank-cdt-calc-app .nu-container { width:min(100% - 18px,1180px); padding:16px 0 24px; }\r\n    #nubank-cdt-calc-app .nu-hero-main,\r\n    #nubank-cdt-calc-app .nu-rate-radar,\r\n    #nubank-cdt-calc-app .nu-form-card,\r\n    #nubank-cdt-calc-app .nu-selection-card,\r\n    #nubank-cdt-calc-app .nu-section-card { padding:18px; }\r\n    #nubank-cdt-calc-app .nu-hero h2 { font-size:clamp(32px,11vw,44px); }\r\n    #nubank-cdt-calc-app .nu-hero-copy { font-size:15px; line-height:1.65; }\r\n    #nubank-cdt-calc-app .nu-benefits { grid-template-columns:1fr; }\r\n    #nubank-cdt-calc-app .nu-amount-row { grid-template-columns:1fr; }\r\n    #nubank-cdt-calc-app .nu-term-featured { grid-template-columns:repeat(2,minmax(0,1fr)); }\r\n    #nubank-cdt-calc-app .nu-all-term-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }\r\n    #nubank-cdt-calc-app .nu-actions { display:grid; grid-template-columns:1fr; }\r\n    #nubank-cdt-calc-app .nu-button { width:100%; min-height:56px; }\r\n    #nubank-cdt-calc-app .nu-result-grid,\r\n    #nubank-cdt-calc-app .nu-secondary-kpis,\r\n    #nubank-cdt-calc-app .nu-quick-comparison,\r\n    #nubank-cdt-calc-app .nu-condition-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }\r\n    #nubank-cdt-calc-app .nu-result-money { font-size:clamp(38px,12vw,58px); }\r\n    #nubank-cdt-calc-app .nu-result-kpi strong,\r\n    #nubank-cdt-calc-app .nu-kpi strong,\r\n    #nubank-cdt-calc-app .nu-fogafin-main strong,\r\n    #nubank-cdt-calc-app .nu-fogafin-mini strong { white-space:normal; overflow-wrap:anywhere; }\r\n    #nubank-cdt-calc-app .nu-fogafin-grid { grid-template-columns:1fr 1fr; }\r\n    #nubank-cdt-calc-app .nu-section-head { align-items:flex-start; flex-direction:column; }\r\n  }\r\n\r\n  @media (max-width: 430px) {\r\n    #nubank-cdt-calc-app .nu-hero-main,\r\n    #nubank-cdt-calc-app .nu-rate-radar,\r\n    #nubank-cdt-calc-app .nu-form-card,\r\n    #nubank-cdt-calc-app .nu-selection-card,\r\n    #nubank-cdt-calc-app .nu-section-card { padding:16px; }\r\n    #nubank-cdt-calc-app .nu-term-featured,\r\n    #nubank-cdt-calc-app .nu-result-grid,\r\n    #nubank-cdt-calc-app .nu-secondary-kpis,\r\n    #nubank-cdt-calc-app .nu-quick-comparison,\r\n    #nubank-cdt-calc-app .nu-condition-grid,\r\n    #nubank-cdt-calc-app .nu-fogafin-grid { grid-template-columns:1fr; }\r\n    #nubank-cdt-calc-app .nu-live-grid { grid-template-columns:1fr 1fr; }\r\n    #nubank-cdt-calc-app .nu-max-rate strong { font-size:34px; }\r\n    #nubank-cdt-calc-app .nu-result-money { font-size:clamp(34px,12.5vw,48px); white-space:normal; overflow-wrap:anywhere; }\r\n    #nubank-cdt-calc-app .nu-chart svg { height:220px; }\r\n  }\r\n\r\n\r\n  @media (max-width: 720px) {\r\n    #nubank-cdt-calc-app .nu-pdf-panel { grid-template-columns: 1fr; align-items: stretch; }\r\n    #nubank-cdt-calc-app .nu-pdf-actions { align-items: stretch; }\r\n    #nubank-cdt-calc-app .nu-pdf-actions .nu-button { width: 100%; }\r\n    #nubank-cdt-calc-app .nu-pdf-status { text-align: left; }\r\n  }\r\n\r\n  @media (prefers-reduced-motion: reduce) {\r\n    #nubank-cdt-calc-app *,\r\n    #nubank-cdt-calc-app *::before,\r\n    #nubank-cdt-calc-app *::after { scroll-behavior:auto!important; transition-duration:.01ms!important; animation-duration:.01ms!important; animation-iteration-count:1!important; }\r\n  }\r\n<\/style>\r\n\r\n<section id=\"nubank-cdt-calc-app\" aria-label=\"Calculadora CDT Nu Colombia 2026\">\r\n  <div class=\"nu-container\">\r\n    <div class=\"nu-hero\">\r\n      <header class=\"nu-card nu-hero-main\">\r\n        <span class=\"nu-eyebrow\"><span class=\"nu-dot\"><\/span> CDT Nu \u00b7 Colombia 2026<\/span>\r\n        <h2 id=\"nu-cdt-title\">Calcula cu\u00e1nto puedes <span>ganar con un CDT Nu.<\/span><\/h2>\r\n        <p class=\"nu-hero-copy\">\r\n          Ingresa cu\u00e1nto quieres invertir, compara los plazos generales publicados por Nu y conoce la ganancia estimada, el valor que recibir\u00edas al vencimiento y la fecha aproximada de pago.\r\n        <\/p>\r\n        <div class=\"nu-benefits\" aria-label=\"Datos r\u00e1pidos del CDT Nu\">\r\n          <div class=\"nu-benefit\"><span class=\"nu-benefit-icon\">$<\/span><div><strong>Desde $50.000<\/strong><span>Monto m\u00ednimo general publicado.<\/span><\/div><\/div>\r\n          <div class=\"nu-benefit\"><span class=\"nu-benefit-icon\">EA<\/span><div><strong>Tasa fija<\/strong><span>Se conserva durante el plazo contratado.<\/span><\/div><\/div>\r\n          <div class=\"nu-benefit\"><span class=\"nu-benefit-icon\">0<\/span><div><strong>Costos $0<\/strong><span>Apertura y administraci\u00f3n general.<\/span><\/div><\/div>\r\n        <\/div>\r\n      <\/header>\r\n\r\n      <aside class=\"nu-card nu-rate-radar\" aria-label=\"Tasas generales destacadas del CDT Nu\">\r\n        <span class=\"nu-pill\">Tasas vigentes desde 06\/07\/2026<\/span>\r\n        <h3>La tasa m\u00e1s alta no est\u00e1 en el plazo m\u00e1s largo.<\/h3>\r\n        <p>La tabla general de Nu alcanza su mayor tasa publicada en los plazos de 540 y 720 d\u00edas.<\/p>\r\n        <div class=\"nu-max-rate\">\r\n          <span>Mayor tasa general publicada<\/span>\r\n          <strong>11,30% E.A.<\/strong>\r\n          <small>Disponible en 540 y 720 d\u00edas.<\/small>\r\n        <\/div>\r\n        <div class=\"nu-rate-list-mini\">\r\n          <div class=\"nu-rate-mini-row\"><span>90 d\u00edas<\/span><strong>9,50% E.A.<\/strong><\/div>\r\n          <div class=\"nu-rate-mini-row\"><span>180 d\u00edas<\/span><strong>10,50% E.A.<\/strong><\/div>\r\n          <div class=\"nu-rate-mini-row\"><span>360 d\u00edas<\/span><strong>11,00% E.A.<\/strong><\/div>\r\n          <div class=\"nu-rate-mini-row\"><span>540 \/ 720 d\u00edas<\/span><strong>11,30% E.A.<\/strong><\/div>\r\n        <\/div>\r\n      <\/aside>\r\n    <\/div>\r\n\r\n    <div class=\"nu-calculator\">\r\n      <form id=\"nu-cdt-calculator-form\" class=\"nu-card nu-form-card\" novalidate>\r\n        <span class=\"nu-section-kicker\">Calculadora CDT Nu<\/span>\r\n        <h3>Calcula cu\u00e1nto ganar\u00edas<\/h3>\r\n        <p class=\"nu-section-intro\">Solo necesitas monto, plazo y fecha. Fogaf\u00edn y la retenci\u00f3n quedan como ajustes opcionales.<\/p>\r\n\r\n        <div class=\"nu-step\">\r\n          <div class=\"nu-step-head\"><span class=\"nu-step-num\">01<\/span><strong>\u00bfCu\u00e1nto quieres invertir?<\/strong><\/div>\r\n          <div class=\"nu-amount-row\">\r\n            <div class=\"nu-field\">\r\n              <label for=\"nu-cdt-principal\">Monto a invertir (COP)<\/label>\r\n              <input id=\"nu-cdt-principal\" class=\"nu-input\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"Ej: 5.000.000\" aria-describedby=\"nu-cdt-principal-help\">\r\n              <p id=\"nu-cdt-principal-help\" class=\"nu-help\">Monto m\u00ednimo general publicado: $50.000.<\/p>\r\n            <\/div>\r\n            <div class=\"nu-field\">\r\n              <label for=\"nu-cdt-open-date\">Fecha de constituci\u00f3n<\/label>\r\n              <input id=\"nu-cdt-open-date\" class=\"nu-input\" type=\"date\" aria-describedby=\"nu-cdt-date-help\">\r\n              <p id=\"nu-cdt-date-help\" class=\"nu-help\">Se usa para estimar el vencimiento.<\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"nu-step\">\r\n          <div class=\"nu-step-head\"><span class=\"nu-step-num\">02<\/span><strong>\u00bfDurante cu\u00e1nto tiempo?<\/strong><\/div>\r\n          <select id=\"nu-cdt-term\" class=\"nu-sr-select\" aria-label=\"Plazo seleccionado\"><\/select>\r\n          <div id=\"nu-term-featured\" class=\"nu-term-featured\" aria-label=\"Plazos destacados\"><\/div>\r\n          <details class=\"nu-all-terms\">\r\n            <summary>Ver los 9 plazos generales<\/summary>\r\n            <div id=\"nu-all-term-grid\" class=\"nu-all-term-grid\"><\/div>\r\n          <\/details>\r\n        <\/div>\r\n\r\n        <details class=\"nu-advanced\">\r\n          <summary>Opciones adicionales<\/summary>\r\n          <div class=\"nu-advanced-body\">\r\n            <div class=\"nu-field\">\r\n              <label for=\"nu-other-protected-balances\">Otros dep\u00f3sitos protegidos que tienes en Nu<\/label>\r\n              <input id=\"nu-other-protected-balances\" class=\"nu-input\" type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" placeholder=\"Ej: 20.000.000\">\r\n              <p class=\"nu-help\">Cuenta principal, Cajitas u otros CDT. Se usa \u00fanicamente para estimar la cobertura agregada de Fogaf\u00edn.<\/p>\r\n            <\/div>\r\n            <label class=\"nu-tax-option\" for=\"nu-cdt-apply-withholding\">\r\n              <input id=\"nu-cdt-apply-withholding\" type=\"checkbox\" checked>\r\n              <span><strong>Estimar retenci\u00f3n en la fuente del 4%<\/strong>Nu indica que los intereses de CDT podr\u00edan estar sujetos a retenci\u00f3n. Puedes desactivarla si solo quieres comparar el rendimiento bruto.<\/span>\r\n            <\/label>\r\n          <\/div>\r\n        <\/details>\r\n\r\n        <div class=\"nu-source-line\">\r\n          <span class=\"nu-dot\"><\/span>\r\n          <span><strong>Tasas generales Nu desde 06\/07\/2026.<\/strong> No incluye promociones, tasas personalizadas ni beneficios exclusivos.<\/span>\r\n          <a href=\"https:\/\/cdn.nubank.com.br\/colombia\/cdt\/CDT-Nu-VTUP.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Ver fuente oficial \u2197<\/a>\r\n        <\/div>\r\n\r\n        <div class=\"nu-actions\">\r\n          <button type=\"submit\" class=\"nu-button nu-button--primary\">Calcular cu\u00e1nto ganar\u00e9 \u2192<\/button>\r\n          <button type=\"button\" id=\"nu-cdt-reset-btn\" class=\"nu-button nu-button--secondary\">Reiniciar<\/button>\r\n        <\/div>\r\n        <div id=\"nu-cdt-error-message\" class=\"nu-error nu-hidden\" role=\"alert\" aria-live=\"assertive\"><\/div>\r\n      <\/form>\r\n\r\n      <aside class=\"nu-card nu-selection-card\" aria-label=\"Resumen de selecci\u00f3n\">\r\n        <span class=\"nu-section-kicker\">Tu selecci\u00f3n<\/span>\r\n        <h3>As\u00ed est\u00e1s configurando el CDT<\/h3>\r\n        <div class=\"nu-live-box\">\r\n          <span class=\"nu-live-label\">Tasa del plazo<\/span>\r\n          <strong id=\"nu-live-rate\" class=\"nu-live-rate\">11,00% E.A.<\/strong>\r\n          <div class=\"nu-live-grid\">\r\n            <div class=\"nu-live-mini\"><span>Plazo<\/span><strong id=\"nu-live-term\">360 d\u00edas<\/strong><\/div>\r\n            <div class=\"nu-live-mini\"><span>Monto<\/span><strong id=\"nu-live-amount\">Ingresa un valor<\/strong><\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <p class=\"nu-selection-note\">La tasa queda fija una vez constituyes el CDT. Antes de aceptar la apertura, confirma siempre en la app de Nu la tasa final disponible para nuevas inversiones.<\/p>\r\n      <\/aside>\r\n    <\/div>\r\n\r\n    <div id=\"nu-cdt-results\" class=\"nu-results nu-hidden\" aria-live=\"polite\">\r\n      <section class=\"nu-result-hero\" aria-labelledby=\"nu-result-title\">\r\n        <span class=\"nu-result-eyebrow\">Lo m\u00e1s importante<\/span>\r\n        <h3 id=\"nu-result-title\" class=\"nu-result-title\">Ganancia neta estimada<\/h3>\r\n        <strong id=\"nu-kpi-net-interest\" class=\"nu-result-money\">$0<\/strong>\r\n        <p id=\"nu-result-copy\" class=\"nu-result-copy\">Completa el c\u00e1lculo para conocer cu\u00e1nto podr\u00edas recibir al vencimiento.<\/p>\r\n        <div class=\"nu-result-grid\">\r\n          <div class=\"nu-result-kpi\"><span>Recibir\u00edas al vencimiento<\/span><strong id=\"nu-kpi-net-final\">$0<\/strong><\/div>\r\n          <div class=\"nu-result-kpi\"><span>Tasa fija<\/span><strong id=\"nu-kpi-rate\">0%<\/strong><\/div>\r\n          <div class=\"nu-result-kpi\"><span>Plazo<\/span><strong id=\"nu-kpi-term\">0 d\u00edas<\/strong><\/div>\r\n          <div class=\"nu-result-kpi\"><span>Vencimiento<\/span><strong id=\"nu-kpi-maturity\">--<\/strong><\/div>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <div class=\"nu-secondary-kpis\">\r\n        <div class=\"nu-kpi is-green\"><span>Capital invertido<\/span><strong id=\"nu-kpi-principal\">$0<\/strong><\/div>\r\n        <div class=\"nu-kpi is-green\"><span>Rendimiento bruto<\/span><strong id=\"nu-kpi-gross-interest\">$0<\/strong><\/div>\r\n        <div class=\"nu-kpi is-coral\"><span>Retenci\u00f3n estimada<\/span><strong id=\"nu-kpi-withholding\">$0<\/strong><\/div>\r\n        <div class=\"nu-kpi\"><span>Costos generales<\/span><strong id=\"nu-kpi-cost\">$0<\/strong><\/div>\r\n      <\/div>\r\n\r\n      <section class=\"nu-pdf-panel\" aria-label=\"Descargar reporte de la simulaci\u00f3n\">\r\n        <div>\r\n          <h4>Guarda tu simulaci\u00f3n<\/h4>\r\n          <p>Descarga un reporte PDF con el logo de InversionesGuru, los datos ingresados, el resultado, Fogaf\u00edn y la comparaci\u00f3n de plazos.<\/p>\r\n        <\/div>\r\n        <div class=\"nu-pdf-actions\">\r\n          <button id=\"nu-cdt-pdf-btn\" class=\"nu-button nu-button--coral\" type=\"button\" disabled>Descargar reporte PDF \u2193<\/button>\r\n          <span id=\"nu-cdt-pdf-status\" class=\"nu-pdf-status\">Calcula primero para habilitar el reporte.<\/span>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <section class=\"nu-card nu-section-card nu-section\" aria-labelledby=\"nu-quick-title\">\r\n        <div class=\"nu-section-head\">\r\n          <div><h3 id=\"nu-quick-title\">\u00bfCu\u00e1nto ganar\u00edas en otros plazos?<\/h3><p>Mismo monto, mismas opciones de retenci\u00f3n. Toca una tarjeta para recalcular ese plazo.<\/p><\/div>\r\n          <span class=\"nu-pill nu-pill--coral\">M\u00e1xima tasa: 11,30%<\/span>\r\n        <\/div>\r\n        <div id=\"nu-quick-comparison\" class=\"nu-quick-comparison\"><\/div>\r\n        <details class=\"nu-disclosure\">\r\n          <summary>Comparar los 9 plazos generales<\/summary>\r\n          <div class=\"nu-disclosure-body\">\r\n            <div class=\"nu-table-wrap\">\r\n              <table class=\"nu-table\">\r\n                <thead><tr><th>Plazo<\/th><th>Tasa E.A.<\/th><th>Rendimiento bruto<\/th><th>Retenci\u00f3n<\/th><th>Ganancia neta<\/th><th>Total neto<\/th><\/tr><\/thead>\r\n                <tbody id=\"nu-cdt-comparison-body\"><\/tbody>\r\n              <\/table>\r\n            <\/div>\r\n          <\/div>\r\n        <\/details>\r\n      <\/section>\r\n\r\n      <section class=\"nu-card nu-section-card nu-section\" aria-labelledby=\"nu-growth-title\">\r\n        <div class=\"nu-section-head\"><div><h3 id=\"nu-growth-title\">As\u00ed crecer\u00eda tu inversi\u00f3n<\/h3><p>Trayectoria matem\u00e1tica bruta. En el CDT no recibes pagos parciales durante el plazo.<\/p><\/div><\/div>\r\n        <div class=\"nu-growth-layout\">\r\n          <div id=\"nu-growth-chart\" class=\"nu-chart\" aria-label=\"Gr\u00e1fica estimada de crecimiento del CDT\"><\/div>\r\n          <div class=\"nu-chart-side\">\r\n            <h4>De hoy al vencimiento<\/h4>\r\n            <p>La curva muestra el crecimiento te\u00f3rico antes de retenci\u00f3n. El capital y los intereses se entregan al vencimiento seg\u00fan las condiciones contratadas.<\/p>\r\n            <span id=\"nu-chart-final\" class=\"nu-chart-final\">$0<\/span>\r\n          <\/div>\r\n        <\/div>\r\n        <details class=\"nu-disclosure\">\r\n          <summary>Ver evoluci\u00f3n detallada<\/summary>\r\n          <div class=\"nu-disclosure-body\">\r\n            <div class=\"nu-table-wrap\">\r\n              <table class=\"nu-table\" style=\"min-width:620px\">\r\n                <thead><tr><th>Momento<\/th><th>D\u00edas transcurridos<\/th><th>Valor bruto acumulado<\/th><th>Rendimiento bruto acumulado<\/th><\/tr><\/thead>\r\n                <tbody id=\"nu-cdt-growth-body\"><\/tbody>\r\n              <\/table>\r\n            <\/div>\r\n          <\/div>\r\n        <\/details>\r\n      <\/section>\r\n\r\n      <section class=\"nu-card nu-section-card nu-section\" aria-labelledby=\"nu-fogafin-title\">\r\n        <div class=\"nu-section-head\"><div><h3 id=\"nu-fogafin-title\">Cobertura Fogaf\u00edn estimada<\/h3><p>Se suman los productos protegidos que indiques para aproximar el l\u00edmite por depositante y entidad.<\/p><\/div><\/div>\r\n        <div class=\"nu-fogafin-layout\">\r\n          <div class=\"nu-fogafin-main\"><span>Saldo protegido proyectado considerado<\/span><strong id=\"nu-fogafin-base\">$0<\/strong><div id=\"nu-fogafin-status\" class=\"nu-fogafin-status is-ok\">Calcula para revisar el escenario.<\/div><\/div>\r\n          <div class=\"nu-fogafin-grid\">\r\n            <div class=\"nu-fogafin-mini\"><span>Cubierto estimado<\/span><strong id=\"nu-fogafin-covered\">$0<\/strong><\/div>\r\n            <div class=\"nu-fogafin-mini\"><span>Por encima del l\u00edmite<\/span><strong id=\"nu-fogafin-uncovered\">$0<\/strong><\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <section class=\"nu-card nu-section-card nu-section\" aria-labelledby=\"nu-conditions-title\">\r\n        <div class=\"nu-section-head\"><div><h3 id=\"nu-conditions-title\">Antes de abrir un CDT Nu<\/h3><p>Tres ideas concentran lo que m\u00e1s suele importar antes de invertir.<\/p><\/div><\/div>\r\n        <div class=\"nu-condition-grid\">\r\n          <article class=\"nu-condition\"><span class=\"nu-condition-icon\">$<\/span><strong>Dinero a plazo<\/strong><p>No existe redenci\u00f3n anticipada ordinaria. El CDT desmaterializado puede transferirse por endoso y registro en Deceval bajo las condiciones aplicables.<\/p><\/article>\r\n          <article class=\"nu-condition\"><span class=\"nu-condition-icon\">EA<\/span><strong>Tasa fija<\/strong><p>La tasa pactada al constituir el CDT permanece fija durante todo el plazo contratado.<\/p><\/article>\r\n          <article class=\"nu-condition\"><span class=\"nu-condition-icon\">50K<\/span><strong>Desde $50.000<\/strong><p>Nu publica apertura desde $50.000 y costos generales de apertura y administraci\u00f3n de $0.<\/p><\/article>\r\n        <\/div>\r\n        <details class=\"nu-disclosure\">\r\n          <summary>Ver todas las condiciones relevantes<\/summary>\r\n          <div class=\"nu-disclosure-body\">\r\n            <div class=\"nu-condition-grid\">\r\n              <article class=\"nu-condition\"><strong>Pago al vencimiento<\/strong><p>Nu devuelve capital e intereses; la p\u00e1gina del producto indica que quedan disponibles nuevamente en la Cajita utilizada para invertir.<\/p><\/article>\r\n              <article class=\"nu-condition\"><strong>Retenci\u00f3n<\/strong><p>El 4% mostrado es opcional y estimativo. La aplicaci\u00f3n efectiva depende de la normativa tributaria y de la liquidaci\u00f3n realizada por Nu.<\/p><\/article>\r\n              <article class=\"nu-condition\"><strong>Fogaf\u00edn<\/strong><p>El CDT se encuentra dentro de los productos protegidos, sujeto al l\u00edmite agregado por depositante y entidad.<\/p><\/article>\r\n            <\/div>\r\n          <\/div>\r\n        <\/details>\r\n      <\/section>\r\n\r\n      <section class=\"nu-card nu-section-card nu-section\" aria-labelledby=\"nu-faq-title\">\r\n        <div class=\"nu-section-head\"><div><h3 id=\"nu-faq-title\">Preguntas frecuentes sobre el CDT Nu<\/h3><p>Respuestas r\u00e1pidas a las dudas m\u00e1s comunes al comparar monto, plazo y tasa.<\/p><\/div><\/div>\r\n        <div class=\"nu-faq\">\r\n          <details><summary>\u00bfCu\u00e1l es la tasa m\u00e1s alta del CDT Nu en esta tabla?<\/summary><p>La mayor tasa general parametrizada en esta calculadora es 11,30% E.A. y corresponde a los plazos de 540 y 720 d\u00edas.<\/p><\/details>\r\n          <details><summary>\u00bfCu\u00e1nto gano con $5 millones en un CDT Nu?<\/summary><p>Depende del plazo. Ingresa $5.000.000 en la calculadora y compara las tarjetas de 90, 180, 540 y 720 d\u00edas o abre la tabla completa de los nueve plazos.<\/p><\/details>\r\n          <details><summary>\u00bfPuedo retirar el CDT antes del vencimiento?<\/summary><p>No existe redenci\u00f3n anticipada ordinaria. El CDT desmaterializado puede transferirse mediante endoso y registro en Deceval, sujeto a las condiciones aplicables.<\/p><\/details>\r\n          <details><summary>\u00bfLa tasa cambia despu\u00e9s de abrir el CDT?<\/summary><p>No. La tasa pactada al constituir el CDT permanece fija durante el plazo contratado. Los cambios posteriores aplican a nuevas aperturas.<\/p><\/details>\r\n          <details><summary>\u00bfEl CDT Nu est\u00e1 cubierto por Fogaf\u00edn?<\/summary><p>El CDT es un producto protegido. El l\u00edmite general se aplica de manera agregada por depositante y entidad, sumando los productos protegidos que correspondan.<\/p><\/details>\r\n        <\/div>\r\n      <\/section>\r\n\r\n      <div class=\"nu-warning\"><strong>Importante:<\/strong> las tasas pueden cambiar para nuevas aperturas. Una modificaci\u00f3n posterior no altera la tasa de un CDT ya constituido, pero s\u00ed puede afectar una simulaci\u00f3n para una fecha futura.<\/div>\r\n    <\/div>\r\n\r\n    <footer class=\"nu-card nu-footer\">\r\n      <strong>Fuentes oficiales utilizadas<\/strong><br>\r\n      Simulaci\u00f3n educativa; no constituye asesor\u00eda financiera ni una oferta comercial. Par\u00e1metros generales revisados el 10\/08\/2026.\r\n      <div class=\"nu-footer-links\">\r\n        <a href=\"https:\/\/cdn.nubank.com.br\/colombia\/cdt\/CDT-Nu-VTUP.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Tabla oficial de tasas \u2197<\/a>\r\n        <a href=\"https:\/\/nu.com.co\/cdt\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CDT Nu \u2197<\/a>\r\n        <a href=\"https:\/\/nu.com.co\/contratos-y-tarifas\/cdt\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Contratos y tarifas \u2197<\/a>\r\n        <a href=\"https:\/\/www.fogafin.gov.co\/que-es-el-seguro-de-depositos\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Fogaf\u00edn \u2197<\/a>\r\n      <\/div>\r\n    <\/footer>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n(function () {\r\n  'use strict';\r\n\r\n  const APP_ID = 'nubank-cdt-calc-app';\r\n  const STATE_PREFIX = 'nu-cdt-simulator-v4-1';\r\n  const IG_LOGO_URL = 'https:\/\/inversionesguru.com\/co\/wp-content\/uploads\/sites\/3\/2026\/08\/inversionesguru_logo.png';\r\n  const JSPDF_URL = 'https:\/\/cdn.jsdelivr.net\/npm\/jspdf@2.5.1\/dist\/jspdf.umd.min.js';\r\n\r\n  const RATE_TABLE = Object.freeze({\r\n    effectiveFrom: '2026-07-06',\r\n    updatedLabel: '06 de julio de 2026',\r\n    minimumAmount: 50000,\r\n    fogafinLimit: 50000000,\r\n    withholdingRate: 0.04,\r\n    openingAndAdministrationCost: 0,\r\n    terms: Object.freeze({\r\n      60: 0.094,\r\n      90: 0.095,\r\n      120: 0.096,\r\n      180: 0.105,\r\n      270: 0.107,\r\n      360: 0.11,\r\n      540: 0.113,\r\n      720: 0.113,\r\n      1080: 0.11\r\n    })\r\n  });\r\n\r\n  const FEATURED_TERMS = [90, 180, 360, 540];\r\n  const QUICK_TERMS = [90, 180, 540, 720];\r\n\r\n  function initNuCdtCalculator() {\r\n    const app = document.getElementById(APP_ID);\r\n    if (!app || app.dataset.initialized === 'true') return;\r\n    app.dataset.initialized = 'true';\r\n\r\n    const form = document.getElementById('nu-cdt-calculator-form');\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 otherBalancesInput = document.getElementById('nu-other-protected-balances');\r\n    const applyWithholdingInput = document.getElementById('nu-cdt-apply-withholding');\r\n    const resetButton = 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 termFeatured = document.getElementById('nu-term-featured');\r\n    const allTermGrid = document.getElementById('nu-all-term-grid');\r\n    const liveRate = document.getElementById('nu-live-rate');\r\n    const liveTerm = document.getElementById('nu-live-term');\r\n    const liveAmount = document.getElementById('nu-live-amount');\r\n\r\n    const kpiRate = document.getElementById('nu-kpi-rate');\r\n    const kpiTerm = document.getElementById('nu-kpi-term');\r\n    const kpiMaturity = document.getElementById('nu-kpi-maturity');\r\n    const kpiCost = document.getElementById('nu-kpi-cost');\r\n    const kpiPrincipal = document.getElementById('nu-kpi-principal');\r\n    const kpiGrossInterest = document.getElementById('nu-kpi-gross-interest');\r\n    const kpiWithholding = document.getElementById('nu-kpi-withholding');\r\n    const kpiNetInterest = document.getElementById('nu-kpi-net-interest');\r\n    const kpiNetFinal = document.getElementById('nu-kpi-net-final');\r\n    const resultCopy = document.getElementById('nu-result-copy');\r\n\r\n    const quickComparison = document.getElementById('nu-quick-comparison');\r\n    const comparisonBody = document.getElementById('nu-cdt-comparison-body');\r\n    const growthBody = document.getElementById('nu-cdt-growth-body');\r\n    const growthChart = document.getElementById('nu-growth-chart');\r\n    const chartFinal = document.getElementById('nu-chart-final');\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    const fogafinStatus = document.getElementById('nu-fogafin-status');\r\n    const pdfButton = document.getElementById('nu-cdt-pdf-btn');\r\n    const pdfStatus = document.getElementById('nu-cdt-pdf-status');\r\n\r\n    let lastCalculation = null;\r\n\r\n    const currencyFormatter = new Intl.NumberFormat('es-CO', {\r\n      style: 'currency', currency: 'COP', minimumFractionDigits: 2, maximumFractionDigits: 2\r\n    });\r\n    const compactMoneyFormatter = new Intl.NumberFormat('es-CO', {\r\n      style: 'currency', currency: 'COP', maximumFractionDigits: 0\r\n    });\r\n    const integerFormatter = new Intl.NumberFormat('es-CO', { maximumFractionDigits: 0 });\r\n\r\n    function formatCurrency(value) {\r\n      return Number.isFinite(value) ? currencyFormatter.format(value) : '$ --';\r\n    }\r\n    function formatCompactMoney(value) {\r\n      return Number.isFinite(value) ? compactMoneyFormatter.format(value) : '$ --';\r\n    }\r\n    function formatPercent(value) {\r\n      if (!Number.isFinite(value)) return '--';\r\n      return `${(value * 100).toLocaleString('es-CO', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}% E.A.`;\r\n    }\r\n    function normalizeMoneyInput(value) {\r\n      const digits = String(value || '').replace(\/\\D\/g, '');\r\n      if (!digits) return '';\r\n      const normalized = digits.replace(\/^0+(?=\\d)\/, '');\r\n      return integerFormatter.format(Number(normalized));\r\n    }\r\n    function parseMoneyInput(value) {\r\n      const digits = String(value || '').replace(\/\\D\/g, '');\r\n      if (!digits) return NaN;\r\n      const parsed = Number(digits);\r\n      return Number.isFinite(parsed) ? parsed : NaN;\r\n    }\r\n    function getLocalIsoDate(date = new Date()) {\r\n      const year = date.getFullYear();\r\n      const month = String(date.getMonth() + 1).padStart(2, '0');\r\n      const day = String(date.getDate()).padStart(2, '0');\r\n      return `${year}-${month}-${day}`;\r\n    }\r\n    function isValidIsoDate(value) { return \/^\\d{4}-\\d{2}-\\d{2}$\/.test(value); }\r\n    function addDaysToIsoDate(dateString, days) {\r\n      const [year, month, day] = dateString.split('-').map(Number);\r\n      const date = new Date(Date.UTC(year, month - 1, day));\r\n      date.setUTCDate(date.getUTCDate() + days);\r\n      return date;\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', { timeZone:'UTC', year:'numeric', month:'short', day:'numeric' });\r\n    }\r\n    function calculateReturn(principal, annualRate, days, applyWithholding = true) {\r\n      const grossInterest = principal * (Math.pow(1 + annualRate, days \/ 365) - 1);\r\n      const withholding = applyWithholding ? grossInterest * RATE_TABLE.withholdingRate : 0;\r\n      const netInterest = grossInterest - withholding;\r\n      return {\r\n        grossInterest,\r\n        withholding,\r\n        netInterest,\r\n        grossFinalAmount: principal + grossInterest,\r\n        netFinalAmount: principal + netInterest\r\n      };\r\n    }\r\n    function accruedGrossValue(principal, annualRate, elapsedDays) {\r\n      return principal * Math.pow(1 + annualRate, elapsedDays \/ 365);\r\n    }\r\n    function estimateFogafinCoverage(totalBalance) {\r\n      return {\r\n        covered: Math.min(totalBalance, RATE_TABLE.fogafinLimit),\r\n        uncovered: Math.max(totalBalance - RATE_TABLE.fogafinLimit, 0)\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 checkpoints = candidates.filter(day => day <= termDays);\r\n      if (!checkpoints.includes(termDays)) checkpoints.push(termDays);\r\n      return [...new Set(checkpoints)].sort((a,b) => a-b);\r\n    }\r\n    function showError(message) {\r\n      errorMessage.textContent = message;\r\n      errorMessage.classList.remove('nu-hidden');\r\n    }\r\n    function hideError() {\r\n      errorMessage.textContent = '';\r\n      errorMessage.classList.add('nu-hidden');\r\n    }\r\n    function appendCell(row, text, className = '') {\r\n      const cell = document.createElement('td');\r\n      cell.textContent = text;\r\n      if (className) cell.className = className;\r\n      row.appendChild(cell);\r\n    }\r\n\r\n    function populateTerms() {\r\n      termSelect.innerHTML = '';\r\n      Object.entries(RATE_TABLE.terms).forEach(([days, rate]) => {\r\n        const option = document.createElement('option');\r\n        option.value = days;\r\n        option.textContent = `${days} d\u00edas \u00b7 ${formatPercent(rate)}`;\r\n        termSelect.appendChild(option);\r\n      });\r\n      termSelect.value = '360';\r\n      renderTermSelectors();\r\n    }\r\n\r\n    function renderTermSelectors() {\r\n      termFeatured.innerHTML = FEATURED_TERMS.map(days => termButtonMarkup(days, true)).join('');\r\n      allTermGrid.innerHTML = Object.keys(RATE_TABLE.terms).map(Number).map(days => termButtonMarkup(days, false)).join('');\r\n      app.querySelectorAll('[data-nu-term]').forEach(button => {\r\n        button.addEventListener('click', () => {\r\n          selectTerm(Number(button.dataset.nuTerm), false);\r\n        });\r\n      });\r\n      syncTermButtons();\r\n    }\r\n\r\n    function termButtonMarkup(days, featured) {\r\n      const rate = RATE_TABLE.terms[days];\r\n      const isMax = rate === Math.max(...Object.values(RATE_TABLE.terms));\r\n      if (featured) {\r\n        return `<button type=\"button\" class=\"nu-term-card ${isMax ? 'is-max' : ''}\" data-nu-term=\"${days}\">\r\n          <small>${days} d\u00edas<\/small><strong>${(rate*100).toLocaleString('es-CO',{minimumFractionDigits:2,maximumFractionDigits:2})}% E.A.<\/strong>\r\n          <span>${days === 540 ? 'Mayor tasa' : days === 360 ? '1 a\u00f1o aprox.' : days === 180 ? '6 meses aprox.' : 'Plazo corto'}<\/span>\r\n          ${isMax ? '<em>M\u00e1xima tasa general<\/em>' : ''}\r\n        <\/button>`;\r\n      }\r\n      return `<button type=\"button\" class=\"nu-all-term-btn\" data-nu-term=\"${days}\"><strong>${days} d\u00edas<\/strong><span>${(rate*100).toLocaleString('es-CO',{minimumFractionDigits:2,maximumFractionDigits:2})}% E.A.<\/span><\/button>`;\r\n    }\r\n\r\n    function selectTerm(days, recalculate) {\r\n      if (!RATE_TABLE.terms[days]) return;\r\n      termSelect.value = String(days);\r\n      syncTermButtons();\r\n      updateLiveSelection();\r\n      if (recalculate && !resultsArea.classList.contains('nu-hidden')) calculateCdt();\r\n      else invalidateResults();\r\n    }\r\n\r\n    function syncTermButtons() {\r\n      const selected = Number(termSelect.value);\r\n      app.querySelectorAll('[data-nu-term]').forEach(button => {\r\n        const active = Number(button.dataset.nuTerm) === selected;\r\n        button.classList.toggle('is-selected', active);\r\n        button.setAttribute('aria-pressed', active ? 'true' : 'false');\r\n      });\r\n    }\r\n\r\n    function updateLiveSelection() {\r\n      const selectedTerm = Number(termSelect.value || 360);\r\n      const rate = RATE_TABLE.terms[selectedTerm] || RATE_TABLE.terms[360];\r\n      const principal = parseMoneyInput(principalInput.value);\r\n      liveRate.textContent = formatPercent(rate);\r\n      liveTerm.textContent = `${selectedTerm} d\u00edas`;\r\n      liveAmount.textContent = Number.isFinite(principal) && principal > 0 ? formatCompactMoney(principal) : 'Ingresa un valor';\r\n    }\r\n\r\n    function renderComparisonTable(principal, selectedTerm, applyWithholding) {\r\n      comparisonBody.textContent = '';\r\n      Object.entries(RATE_TABLE.terms).forEach(([daysText, annualRate]) => {\r\n        const days = Number(daysText);\r\n        const values = calculateReturn(principal, annualRate, days, applyWithholding);\r\n        const row = document.createElement('tr');\r\n        if (days === selectedTerm) { row.classList.add('nu-selected-row'); row.setAttribute('aria-current','true'); }\r\n        appendCell(row, `${days} d\u00edas`, 'nu-strong');\r\n        appendCell(row, formatPercent(annualRate));\r\n        appendCell(row, formatCurrency(values.grossInterest), 'nu-text-green');\r\n        appendCell(row, formatCurrency(values.withholding), 'nu-text-red');\r\n        appendCell(row, formatCurrency(values.netInterest), 'nu-text-green');\r\n        appendCell(row, formatCurrency(values.netFinalAmount), 'nu-strong');\r\n        comparisonBody.appendChild(row);\r\n      });\r\n    }\r\n\r\n    function renderQuickComparison(principal, applyWithholding) {\r\n      quickComparison.innerHTML = QUICK_TERMS.map(days => {\r\n        const rate = RATE_TABLE.terms[days];\r\n        const values = calculateReturn(principal, rate, days, applyWithholding);\r\n        const isMax = rate === Math.max(...Object.values(RATE_TABLE.terms));\r\n        return `<button type=\"button\" class=\"nu-quick-card ${isMax ? 'is-max' : ''}\" data-nu-quick-term=\"${days}\">\r\n          <span>${days} d\u00edas<\/span><strong>${formatPercent(rate)}<\/strong><b>${formatCompactMoney(values.netInterest)} netos<\/b><em>Total: ${formatCompactMoney(values.netFinalAmount)}<\/em>\r\n        <\/button>`;\r\n      }).join('');\r\n      quickComparison.querySelectorAll('[data-nu-quick-term]').forEach(button => {\r\n        button.addEventListener('click', () => {\r\n          const days = Number(button.dataset.nuQuickTerm);\r\n          termSelect.value = String(days);\r\n          syncTermButtons();\r\n          updateLiveSelection();\r\n          calculateCdt();\r\n        });\r\n      });\r\n    }\r\n\r\n    function renderGrowthTable(principal, annualRate, termDays) {\r\n      growthBody.textContent = '';\r\n      getCheckpointDays(termDays).forEach((day,index) => {\r\n        const accumulated = accruedGrossValue(principal, annualRate, day);\r\n        const interest = accumulated - principal;\r\n        const row = document.createElement('tr');\r\n        const label = day === termDays ? 'Vencimiento' : index === 0 ? 'Primer d\u00eda' : 'Seguimiento';\r\n        appendCell(row,label,'nu-strong');\r\n        appendCell(row,String(day));\r\n        appendCell(row,formatCurrency(accumulated),'nu-strong');\r\n        appendCell(row,formatCurrency(interest),'nu-text-green');\r\n        growthBody.appendChild(row);\r\n      });\r\n    }\r\n\r\n    function renderGrowthChart(principal, annualRate, termDays) {\r\n      const checkpoints = [0, ...getCheckpointDays(termDays)];\r\n      const points = checkpoints.map(day => ({ day, value: accruedGrossValue(principal, annualRate, day) }));\r\n      const values = points.map(p => p.value);\r\n      const min = Math.min(...values);\r\n      const max = Math.max(...values);\r\n      const range = max - min || 1;\r\n      const width = 1000;\r\n      const height = 250;\r\n      const padX = 28;\r\n      const padY = 24;\r\n      const coords = points.map((p,i) => {\r\n        const x = padX + (i\/(points.length-1))*(width-padX*2);\r\n        const y = height-padY-((p.value-min)\/range)*(height-padY*2-24);\r\n        return [x,y];\r\n      });\r\n      const line = coords.map((c,i) => `${i===0?'M':'L'} ${c[0].toFixed(2)} ${c[1].toFixed(2)}`).join(' ');\r\n      const area = `${line} L ${coords[coords.length-1][0]} ${height-padY} L ${coords[0][0]} ${height-padY} Z`;\r\n      growthChart.innerHTML = `<svg viewBox=\"0 0 ${width} ${height}\" preserveAspectRatio=\"none\" aria-hidden=\"true\">\r\n        <defs><linearGradient id=\"nuCdtArea\" x1=\"0\" y1=\"0\" x2=\"0\" y2=\"1\"><stop offset=\"0%\" stop-color=\"#0f9f7a\" stop-opacity=\".28\"\/><stop offset=\"100%\" stop-color=\"#0f9f7a\" stop-opacity=\".02\"\/><\/linearGradient><\/defs>\r\n        <path d=\"${area}\" fill=\"url(#nuCdtArea)\"\/>\r\n        <path d=\"${line}\" fill=\"none\" stroke=\"#0f9f7a\" stroke-width=\"5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\r\n        <circle cx=\"${coords[0][0]}\" cy=\"${coords[0][1]}\" r=\"7\" fill=\"#143a34\"\/>\r\n        <circle cx=\"${coords[coords.length-1][0]}\" cy=\"${coords[coords.length-1][1]}\" r=\"8\" fill=\"#ef6a4a\"\/>\r\n      <\/svg>`;\r\n      chartFinal.textContent = formatCurrency(points[points.length-1].value);\r\n    }\r\n\r\n\r\n\r\n    function ensureJsPdf() {\r\n      if (window.jspdf && window.jspdf.jsPDF) return Promise.resolve(window.jspdf.jsPDF);\r\n      return new Promise((resolve, reject) => {\r\n        const existing = document.querySelector('script[data-nu-cdt-jspdf=\"true\"]');\r\n        if (existing) {\r\n          existing.addEventListener('load', () => resolve(window.jspdf.jsPDF), { once:true });\r\n          existing.addEventListener('error', reject, { once:true });\r\n          return;\r\n        }\r\n        const script = document.createElement('script');\r\n        script.src = JSPDF_URL;\r\n        script.async = true;\r\n        script.dataset.nuCdtJspdf = 'true';\r\n        script.onload = () => {\r\n          if (window.jspdf && window.jspdf.jsPDF) resolve(window.jspdf.jsPDF);\r\n          else reject(new Error('jsPDF no qued\u00f3 disponible.'));\r\n        };\r\n        script.onerror = () => reject(new Error('No fue posible cargar jsPDF.'));\r\n        document.head.appendChild(script);\r\n      });\r\n    }\r\n\r\n    function blobToDataUrl(blob) {\r\n      return new Promise((resolve, reject) => {\r\n        const reader = new FileReader();\r\n        reader.onload = () => resolve(reader.result);\r\n        reader.onerror = reject;\r\n        reader.readAsDataURL(blob);\r\n      });\r\n    }\r\n\r\n    async function loadLogoDataUrl() {\r\n      try {\r\n        const response = await fetch(IG_LOGO_URL, { cache:'force-cache', credentials:'same-origin' });\r\n        if (!response.ok) throw new Error('Logo HTTP ' + response.status);\r\n        return await blobToDataUrl(await response.blob());\r\n      } catch (error) {\r\n        console.warn('No fue posible cargar el logo para el PDF. Se usar\u00e1 el respaldo IG.', error);\r\n        return null;\r\n      }\r\n    }\r\n\r\n    function buildPdfReport(data) {\r\n      const comparison = Object.entries(RATE_TABLE.terms).map(([daysText, rate]) => {\r\n        const days = Number(daysText);\r\n        const values = calculateReturn(data.principal, rate, days, data.applyWithholding);\r\n        return {\r\n          days,\r\n          rate,\r\n          gross: values.grossInterest,\r\n          withholding: values.withholding,\r\n          net: values.netInterest,\r\n          total: values.netFinalAmount\r\n        };\r\n      });\r\n      return { ...data, comparison };\r\n    }\r\n\r\n    function addPdfPageHeader(doc, logoData, pageTitle) {\r\n      const margin = 16;\r\n      if (logoData) {\r\n        try { doc.addImage(logoData, 'PNG', margin, 11, 31, 12.4); }\r\n        catch (error) { console.warn('No fue posible insertar el logo en el PDF.', error); }\r\n      }\r\n      if (!logoData) {\r\n        doc.setFillColor(15,159,122);\r\n        doc.roundedRect(margin, 11, 12, 12, 2, 2, 'F');\r\n        doc.setTextColor(255,255,255);\r\n        doc.setFont('helvetica','bold');\r\n        doc.setFontSize(8);\r\n        doc.text('IG', margin + 3.2, 18.7);\r\n      }\r\n      doc.setTextColor(20,58,52);\r\n      doc.setFont('helvetica','bold');\r\n      doc.setFontSize(10.5);\r\n      doc.text('InversionesGuru', logoData ? margin + 35 : margin + 16, 16.5);\r\n      doc.setTextColor(92,113,107);\r\n      doc.setFont('helvetica','normal');\r\n      doc.setFontSize(7.5);\r\n      doc.text('https:\/\/inversionesguru.com\/co\/', logoData ? margin + 35 : margin + 16, 21.2);\r\n      doc.setDrawColor(220,231,227);\r\n      doc.line(margin, 28, 210 - margin, 28);\r\n      doc.setTextColor(20,58,52);\r\n      doc.setFont('helvetica','bold');\r\n      doc.setFontSize(15);\r\n      doc.text(pageTitle, margin, 37);\r\n      return 43;\r\n    }\r\n\r\n    function exportPdf(jsPDF, logoData, report) {\r\n      const doc = new jsPDF({ unit:'mm', format:'a4', compress:true });\r\n      const margin = 16;\r\n      const pageWidth = 210;\r\n      const contentWidth = pageWidth - margin * 2;\r\n      let y = addPdfPageHeader(doc, logoData, 'Simulaci\u00f3n CDT Nu Colombia');\r\n\r\n      const lines = (value, width) => doc.splitTextToSize(String(value == null ? '' : value), width);\r\n      const ensureSpace = (need) => {\r\n        if (y + need <= 278) return;\r\n        doc.addPage();\r\n        y = addPdfPageHeader(doc, logoData, 'Simulaci\u00f3n CDT Nu Colombia');\r\n      };\r\n      const section = (title) => {\r\n        ensureSpace(12);\r\n        doc.setFillColor(243,251,248);\r\n        doc.roundedRect(margin, y, contentWidth, 8, 2, 2, 'F');\r\n        doc.setTextColor(11,111,89);\r\n        doc.setFont('helvetica','bold');\r\n        doc.setFontSize(9.5);\r\n        doc.text(title, margin + 3, y + 5.4);\r\n        y += 12;\r\n      };\r\n      const kv = (label, value) => {\r\n        const left = lines(label, 70);\r\n        const right = lines(value, 99);\r\n        const rowLines = Math.max(left.length, right.length);\r\n        ensureSpace(rowLines * 4.1 + 5);\r\n        doc.setFont('helvetica','normal');\r\n        doc.setFontSize(8.5);\r\n        doc.setTextColor(92,113,107);\r\n        doc.text(left, margin, y);\r\n        doc.setFont('helvetica','bold');\r\n        doc.setTextColor(20,58,52);\r\n        doc.text(right, margin + 75, y);\r\n        y += rowLines * 4.1 + 2;\r\n        doc.setDrawColor(233,240,237);\r\n        doc.line(margin, y - 1, 210 - margin, y - 1);\r\n      };\r\n\r\n      \/\/ Hero result\r\n      doc.setFillColor(20,58,52);\r\n      doc.roundedRect(margin, y, contentWidth, 34, 4, 4, 'F');\r\n      doc.setTextColor(218,247,238);\r\n      doc.setFont('helvetica','bold');\r\n      doc.setFontSize(8.5);\r\n      doc.text('GANANCIA NETA ESTIMADA', margin + 6, y + 8);\r\n      doc.setTextColor(255,255,255);\r\n      doc.setFontSize(22);\r\n      doc.text(formatCurrency(report.values.netInterest), margin + 6, y + 19);\r\n      doc.setFontSize(8.5);\r\n      doc.setFont('helvetica','normal');\r\n      doc.text(`Recibir\u00edas aproximadamente ${formatCurrency(report.values.netFinalAmount)} al vencimiento.`, margin + 6, y + 27);\r\n      y += 40;\r\n\r\n      section('Datos de la simulaci\u00f3n');\r\n      kv('Capital invertido', formatCurrency(report.principal));\r\n      kv('Plazo', `${report.selectedTerm} d\u00edas`);\r\n      kv('Tasa fija', formatPercent(report.annualRate));\r\n      kv('Fecha de constituci\u00f3n', report.openDate);\r\n      kv('Vencimiento estimado', formatDate(report.maturityDate));\r\n      kv('Retenci\u00f3n estimada', report.applyWithholding ? 'Activada \u00b7 4%' : 'Desactivada');\r\n      kv('Otros dep\u00f3sitos protegidos en Nu', formatCurrency(report.otherBalances));\r\n\r\n      section('Resultado estimado');\r\n      kv('Rendimiento bruto', formatCurrency(report.values.grossInterest));\r\n      kv('Retenci\u00f3n estimada', report.applyWithholding ? formatCurrency(report.values.withholding) : formatCurrency(0));\r\n      kv('Ganancia neta estimada', formatCurrency(report.values.netInterest));\r\n      kv('Capital + ganancia neta', formatCurrency(report.values.netFinalAmount));\r\n      kv('Costos generales publicados', formatCurrency(RATE_TABLE.openingAndAdministrationCost));\r\n\r\n      section('Cobertura Fogaf\u00edn estimada');\r\n      kv('Saldo protegido considerado', formatCurrency(report.totalProjectedBalance));\r\n      kv('Cubierto estimado', formatCurrency(report.fogafin.covered));\r\n      kv('Por encima del l\u00edmite', formatCurrency(report.fogafin.uncovered));\r\n      ensureSpace(9);\r\n      doc.setFont('helvetica','normal');\r\n      doc.setFontSize(7.8);\r\n      doc.setTextColor(92,113,107);\r\n      doc.text(lines('La cobertura real se determina al momento de una eventual liquidaci\u00f3n de la entidad y agrega los productos protegidos del mismo depositante.', contentWidth), margin, y);\r\n      y += 11;\r\n\r\n      section('Comparaci\u00f3n de plazos generales');\r\n      const colX = [margin, margin+27, margin+55, margin+94, margin+128, margin+158];\r\n      const headers = ['Plazo','Tasa','Bruto','Retenci\u00f3n','Ganancia neta','Total neto'];\r\n      ensureSpace(11);\r\n      doc.setFillColor(20,58,52);\r\n      doc.rect(margin, y-4, contentWidth, 8, 'F');\r\n      doc.setTextColor(255,255,255);\r\n      doc.setFont('helvetica','bold');\r\n      doc.setFontSize(6.4);\r\n      headers.forEach((h,i) => doc.text(h, colX[i], y));\r\n      y += 7;\r\n      report.comparison.forEach((row, index) => {\r\n        ensureSpace(7);\r\n        if (index % 2 === 1) {\r\n          doc.setFillColor(247,251,249);\r\n          doc.rect(margin, y-4, contentWidth, 6.5, 'F');\r\n        }\r\n        doc.setTextColor(31,77,69);\r\n        doc.setFont('helvetica', row.days === report.selectedTerm ? 'bold' : 'normal');\r\n        doc.setFontSize(6.1);\r\n        const vals = [\r\n          `${row.days} d`,\r\n          `${(row.rate*100).toLocaleString('es-CO',{minimumFractionDigits:2,maximumFractionDigits:2})}%`,\r\n          formatCompactMoney(row.gross),\r\n          formatCompactMoney(row.withholding),\r\n          formatCompactMoney(row.net),\r\n          formatCompactMoney(row.total)\r\n        ];\r\n        vals.forEach((v,i) => doc.text(String(v), colX[i], y));\r\n        y += 6.2;\r\n      });\r\n      y += 4;\r\n\r\n      section('Notas importantes');\r\n      const notes = [\r\n        'Simulaci\u00f3n educativa; no constituye asesor\u00eda financiera ni una oferta comercial.',\r\n        'La tasa del CDT queda fija una vez constituido, pero las tasas disponibles para nuevas aperturas pueden cambiar.',\r\n        'No existe redenci\u00f3n anticipada ordinaria. El CDT desmaterializado puede transferirse por endoso y registro en Deceval bajo las condiciones aplicables.',\r\n        'La retenci\u00f3n mostrada es una estimaci\u00f3n opcional; la aplicaci\u00f3n real depende de la normativa tributaria y de la liquidaci\u00f3n efectuada por Nu.',\r\n        'Confirma siempre en la app de Nu la tasa final antes de constituir el producto.'\r\n      ];\r\n      doc.setFont('helvetica','normal');\r\n      doc.setFontSize(7.7);\r\n      doc.setTextColor(92,113,107);\r\n      notes.forEach(note => {\r\n        const txt = lines('\u2022 ' + note, contentWidth - 2);\r\n        ensureSpace(txt.length * 3.6 + 2);\r\n        doc.text(txt, margin + 1, y);\r\n        y += txt.length * 3.6 + 1.5;\r\n      });\r\n\r\n      \/\/ Footer on every page\r\n      const pages = doc.getNumberOfPages();\r\n      for (let i = 1; i <= pages; i++) {\r\n        doc.setPage(i);\r\n        doc.setDrawColor(220,231,227);\r\n        doc.line(margin, 286, 210-margin, 286);\r\n        doc.setTextColor(92,113,107);\r\n        doc.setFont('helvetica','normal');\r\n        doc.setFontSize(7.2);\r\n        doc.text('InversionesGuru \u00b7 Simulaci\u00f3n informativa CDT Nu', margin, 291);\r\n        doc.text(`P\u00e1gina ${i} de ${pages}`, 210-margin, 291, { align:'right' });\r\n      }\r\n\r\n      doc.save(`simulacion-cdt-nu-${report.selectedTerm}-dias.pdf`);\r\n    }\r\n\r\n    function escapeHtml(value) {\r\n      return String(value == null ? '' : value).replace(\/[&<>\"']\/g, char => ({'&':'&amp;','<':'&lt;','>':'&gt;','\"':'&quot;',\"'\":'&#039;'}[char]));\r\n    }\r\n\r\n    function printPdfFallback(report) {\r\n      const popup = window.open('', '_blank');\r\n      if (!popup) throw new Error('El navegador bloque\u00f3 la ventana de impresi\u00f3n.');\r\n      const rows = [\r\n        ['Capital invertido', formatCurrency(report.principal)],\r\n        ['Plazo', `${report.selectedTerm} d\u00edas`],\r\n        ['Tasa fija', formatPercent(report.annualRate)],\r\n        ['Vencimiento estimado', formatDate(report.maturityDate)],\r\n        ['Rendimiento bruto', formatCurrency(report.values.grossInterest)],\r\n        ['Retenci\u00f3n estimada', report.applyWithholding ? formatCurrency(report.values.withholding) : formatCurrency(0)],\r\n        ['Ganancia neta estimada', formatCurrency(report.values.netInterest)],\r\n        ['Capital + ganancia neta', formatCurrency(report.values.netFinalAmount)],\r\n        ['Fogaf\u00edn cubierto estimado', formatCurrency(report.fogafin.covered)],\r\n        ['Excedente estimado', formatCurrency(report.fogafin.uncovered)]\r\n      ];\r\n      popup.document.write(`<!doctype html><html><head><meta charset=\"utf-8\"><title>Simulaci\u00f3n CDT Nu<\/title><style>\r\n        body{font-family:Arial,sans-serif;color:#143a34;padding:32px;line-height:1.45}.brand{display:flex;align-items:center;gap:14px;border-bottom:1px solid #dce7e3;padding-bottom:14px}.brand img{width:125px;height:auto}.hero{margin:24px 0;padding:24px;border-radius:16px;background:#143a34;color:white}.hero small{display:block;color:#dff7ee;font-weight:700}.hero strong{display:block;font-size:34px;margin-top:6px}h1{font-size:23px}h2{font-size:16px;margin-top:24px;color:#0b6f59}table{width:100%;border-collapse:collapse}th,td{padding:9px;border-bottom:1px solid #e5eeeb;text-align:left;font-size:12px}th{width:40%;color:#5c716b}.note{margin-top:24px;font-size:11px;color:#5c716b}@media print{body{padding:0}}\r\n      <\/style><\/head><body><div class=\"brand\"><img decoding=\"async\" src=\"${escapeHtml(IG_LOGO_URL)}\" alt=\"InversionesGuru\"><div><strong>InversionesGuru<\/strong><div>https:\/\/inversionesguru.com\/co\/<\/div><\/div><\/div><h1>Simulaci\u00f3n CDT Nu Colombia<\/h1><div class=\"hero\"><small>GANANCIA NETA ESTIMADA<\/small><strong>${escapeHtml(formatCurrency(report.values.netInterest))}<\/strong><div>Recibir\u00edas aproximadamente ${escapeHtml(formatCurrency(report.values.netFinalAmount))} al vencimiento.<\/div><\/div><h2>Resumen<\/h2><table>${rows.map(r => `<tr><th>${escapeHtml(r[0])}<\/th><td>${escapeHtml(r[1])}<\/td><\/tr>`).join('')}<\/table><p class=\"note\">Simulaci\u00f3n educativa. Verifica siempre la tasa final y las condiciones vigentes directamente con Nu antes de tomar una decisi\u00f3n financiera.<\/p><\/body><\/html>`);\r\n      popup.document.close();\r\n      popup.focus();\r\n      setTimeout(() => popup.print(), 350);\r\n    }\r\n\r\n    async function downloadPdf() {\r\n      if (!lastCalculation || !pdfButton) return;\r\n      const originalText = pdfButton.textContent;\r\n      pdfButton.disabled = true;\r\n      pdfButton.textContent = 'Generando PDF\u2026';\r\n      if (pdfStatus) pdfStatus.textContent = 'Preparando logo y reporte.';\r\n      const report = buildPdfReport(lastCalculation);\r\n      try {\r\n        const [jsPDF, logoData] = await Promise.all([ensureJsPdf(), loadLogoDataUrl()]);\r\n        exportPdf(jsPDF, logoData, report);\r\n        if (pdfStatus) pdfStatus.textContent = 'PDF generado con el logo de InversionesGuru.';\r\n      } catch (error) {\r\n        console.error('No fue posible descargar el PDF con jsPDF.', error);\r\n        try {\r\n          printPdfFallback(report);\r\n          if (pdfStatus) pdfStatus.textContent = 'Se abri\u00f3 la vista de impresi\u00f3n. Elige \u201cGuardar como PDF\u201d.';\r\n        } catch (fallbackError) {\r\n          console.error('Fall\u00f3 tambi\u00e9n la alternativa de impresi\u00f3n.', fallbackError);\r\n          if (pdfStatus) pdfStatus.textContent = 'No fue posible generar el reporte. Revisa permisos de descargas o ventanas emergentes.';\r\n        }\r\n      } finally {\r\n        pdfButton.textContent = originalText;\r\n        pdfButton.disabled = !lastCalculation;\r\n      }\r\n    }\r\n\r\n    function saveState() {\r\n      try {\r\n        localStorage.setItem(`${STATE_PREFIX}-principal`, principalInput.value);\r\n        localStorage.setItem(`${STATE_PREFIX}-term`, termSelect.value);\r\n        localStorage.setItem(`${STATE_PREFIX}-open-date`, openDateInput.value);\r\n        localStorage.setItem(`${STATE_PREFIX}-other-balances`, otherBalancesInput.value);\r\n        localStorage.setItem(`${STATE_PREFIX}-withholding`, applyWithholdingInput.checked ? '1' : '0');\r\n      } catch (error) { console.warn('No se pudo guardar el estado del simulador CDT Nu.', error); }\r\n    }\r\n\r\n    function loadState() {\r\n      openDateInput.min = RATE_TABLE.effectiveFrom;\r\n      openDateInput.value = getLocalIsoDate();\r\n      try {\r\n        const savedPrincipal = localStorage.getItem(`${STATE_PREFIX}-principal`);\r\n        const savedTerm = localStorage.getItem(`${STATE_PREFIX}-term`);\r\n        const savedOpenDate = localStorage.getItem(`${STATE_PREFIX}-open-date`);\r\n        const savedOtherBalances = localStorage.getItem(`${STATE_PREFIX}-other-balances`);\r\n        const savedWithholding = localStorage.getItem(`${STATE_PREFIX}-withholding`);\r\n        if (savedPrincipal) principalInput.value = normalizeMoneyInput(savedPrincipal);\r\n        if (savedTerm && Object.prototype.hasOwnProperty.call(RATE_TABLE.terms, savedTerm)) termSelect.value = savedTerm;\r\n        if (savedOpenDate && savedOpenDate >= RATE_TABLE.effectiveFrom) openDateInput.value = savedOpenDate;\r\n        if (savedOtherBalances) otherBalancesInput.value = normalizeMoneyInput(savedOtherBalances);\r\n        if (savedWithholding === '0' || savedWithholding === '1') applyWithholdingInput.checked = savedWithholding === '1';\r\n      } catch (error) { console.warn('No se pudo recuperar el estado del simulador CDT Nu.', error); }\r\n      syncTermButtons();\r\n      updateLiveSelection();\r\n    }\r\n\r\n    function clearState() {\r\n      try {\r\n        ['principal','term','open-date','other-balances','withholding'].forEach(key => localStorage.removeItem(`${STATE_PREFIX}-${key}`));\r\n      } catch (error) { console.warn('No se pudo limpiar el estado del simulador CDT Nu.', error); }\r\n    }\r\n\r\n    function resetCalculator() {\r\n      form.reset();\r\n      principalInput.value = '';\r\n      otherBalancesInput.value = '';\r\n      applyWithholdingInput.checked = true;\r\n      termSelect.value = '360';\r\n      openDateInput.value = getLocalIsoDate();\r\n      resultsArea.classList.add('nu-hidden');\r\n      lastCalculation = null;\r\n      if (pdfButton) pdfButton.disabled = true;\r\n      if (pdfStatus) pdfStatus.textContent = 'Calcula primero para habilitar el reporte.';\r\n      hideError();\r\n      clearState();\r\n      syncTermButtons();\r\n      updateLiveSelection();\r\n      principalInput.focus();\r\n    }\r\n\r\n    function calculateCdt() {\r\n      hideError();\r\n      const principal = parseMoneyInput(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 parsedOtherBalances = parseMoneyInput(otherBalancesInput.value);\r\n      const otherBalances = Number.isNaN(parsedOtherBalances) ? 0 : parsedOtherBalances;\r\n      const applyWithholding = applyWithholdingInput.checked;\r\n\r\n      if (!Number.isFinite(principal) || principal < RATE_TABLE.minimumAmount) {\r\n        showError(`Ingresa un monto igual o superior a ${formatCurrency(RATE_TABLE.minimumAmount)}.`);\r\n        resultsArea.classList.add('nu-hidden');\r\n        principalInput.focus();\r\n        return;\r\n      }\r\n      if (!Number.isFinite(annualRate)) {\r\n        showError('Selecciona uno de los plazos generales vigentes del CDT Nu.');\r\n        resultsArea.classList.add('nu-hidden');\r\n        return;\r\n      }\r\n      if (!isValidIsoDate(openDate)) {\r\n        showError('Selecciona una fecha v\u00e1lida de constituci\u00f3n.');\r\n        resultsArea.classList.add('nu-hidden');\r\n        openDateInput.focus();\r\n        return;\r\n      }\r\n      if (openDate < RATE_TABLE.effectiveFrom) {\r\n        showError(`Estas tasas solo deben aplicarse a simulaciones desde el ${RATE_TABLE.updatedLabel}.`);\r\n        resultsArea.classList.add('nu-hidden');\r\n        openDateInput.focus();\r\n        return;\r\n      }\r\n      if (!Number.isFinite(otherBalances) || otherBalances < 0) {\r\n        showError('Ingresa un valor v\u00e1lido para los otros dep\u00f3sitos protegidos en Nu.');\r\n        resultsArea.classList.add('nu-hidden');\r\n        otherBalancesInput.focus();\r\n        return;\r\n      }\r\n\r\n      const values = calculateReturn(principal, annualRate, selectedTerm, applyWithholding);\r\n      const maturityDate = addDaysToIsoDate(openDate, selectedTerm);\r\n      const totalProjectedBalance = otherBalances + values.grossFinalAmount;\r\n      const fogafin = estimateFogafinCoverage(totalProjectedBalance);\r\n\r\n      kpiPrincipal.textContent = formatCurrency(principal);\r\n      kpiRate.textContent = formatPercent(annualRate);\r\n      kpiTerm.textContent = `${selectedTerm} d\u00edas`;\r\n      kpiMaturity.textContent = formatDate(maturityDate);\r\n      kpiCost.textContent = formatCurrency(RATE_TABLE.openingAndAdministrationCost);\r\n      kpiGrossInterest.textContent = formatCurrency(values.grossInterest);\r\n      kpiWithholding.textContent = applyWithholding ? `\u2212 ${formatCurrency(values.withholding)}` : `${formatCurrency(0)} \u00b7 desactivada`;\r\n      kpiNetInterest.textContent = formatCurrency(values.netInterest);\r\n      kpiNetFinal.textContent = formatCurrency(values.netFinalAmount);\r\n      resultCopy.innerHTML = `Si inviertes <strong>${formatCurrency(principal)}<\/strong> durante <strong>${selectedTerm} d\u00edas<\/strong> al <strong>${formatPercent(annualRate)}<\/strong>, podr\u00edas recibir aproximadamente <strong>${formatCurrency(values.netFinalAmount)}<\/strong> al vencimiento${applyWithholding ? ', despu\u00e9s de la retenci\u00f3n estimada incluida' : ', sin descontar retenci\u00f3n estimada'}.`;\r\n\r\n      fogafinBase.textContent = formatCurrency(totalProjectedBalance);\r\n      fogafinCovered.textContent = formatCurrency(fogafin.covered);\r\n      fogafinUncovered.textContent = formatCurrency(fogafin.uncovered);\r\n      if (fogafin.uncovered <= 0) {\r\n        fogafinStatus.className = 'nu-fogafin-status is-ok';\r\n        fogafinStatus.textContent = '\u2713 El saldo protegido considerado est\u00e1 dentro del l\u00edmite general estimado de $50 millones.';\r\n      } else {\r\n        fogafinStatus.className = 'nu-fogafin-status is-warn';\r\n        fogafinStatus.textContent = `\u26a0 ${formatCurrency(fogafin.uncovered)} quedar\u00edan por encima del l\u00edmite general estimado.`;\r\n      }\r\n\r\n      renderQuickComparison(principal, applyWithholding);\r\n      renderComparisonTable(principal, selectedTerm, applyWithholding);\r\n      renderGrowthTable(principal, annualRate, selectedTerm);\r\n      renderGrowthChart(principal, annualRate, selectedTerm);\r\n\r\n      lastCalculation = {\r\n        principal, selectedTerm, annualRate, openDate, maturityDate, otherBalances, applyWithholding, values, totalProjectedBalance, fogafin\r\n      };\r\n      if (pdfButton) pdfButton.disabled = false;\r\n      if (pdfStatus) pdfStatus.textContent = 'Reporte listo para descargar.';\r\n\r\n      resultsArea.classList.remove('nu-hidden');\r\n      saveState();\r\n      const reduced = window.matchMedia('(prefers-reduced-motion: reduce)').matches;\r\n      resultsArea.scrollIntoView({ behavior: reduced ? 'auto' : 'smooth', block:'start' });\r\n    }\r\n\r\n    function invalidateResults() {\r\n      resultsArea.classList.add('nu-hidden');\r\n      lastCalculation = null;\r\n      if (pdfButton) pdfButton.disabled = true;\r\n      if (pdfStatus) pdfStatus.textContent = 'Calcula primero para habilitar el reporte.';\r\n      hideError();\r\n    }\r\n\r\n    principalInput.addEventListener('input', () => {\r\n      principalInput.value = normalizeMoneyInput(principalInput.value);\r\n      updateLiveSelection();\r\n      invalidateResults();\r\n    });\r\n    otherBalancesInput.addEventListener('input', () => {\r\n      otherBalancesInput.value = normalizeMoneyInput(otherBalancesInput.value);\r\n      invalidateResults();\r\n    });\r\n    termSelect.addEventListener('change', () => { syncTermButtons(); updateLiveSelection(); invalidateResults(); });\r\n    openDateInput.addEventListener('change', invalidateResults);\r\n    applyWithholdingInput.addEventListener('change', invalidateResults);\r\n    form.addEventListener('submit', event => { event.preventDefault(); calculateCdt(); });\r\n    resetButton.addEventListener('click', resetCalculator);\r\n    if (pdfButton) pdfButton.addEventListener('click', downloadPdf);\r\n\r\n    populateTerms();\r\n    loadState();\r\n  }\r\n\r\n  if (document.readyState === 'loading') document.addEventListener('DOMContentLoaded', initNuCdtCalculator, { once:true });\r\n  else initNuCdtCalculator();\r\n})();\r\n<\/script>\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\">\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\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTabla de 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 e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__db3c1c6\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\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-c3665a8 e-flex e-con-boxed e-con e-parent\" data-id=\"c3665a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc627e6 elementor-widget elementor-widget-text-editor\" data-id=\"bc627e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"PDq2pG_selectionAnchorContainer\" data-section-id=\"1kzzfv5\" data-start=\"871\" data-end=\"940\"><span style=\"color: #000000;\">CDT Nu Colombia 2026: tasas, cu\u00e1nto paga, simulador y c\u00f3mo funciona<\/span><\/h1><p data-start=\"942\" data-end=\"1169\"><span style=\"color: #000000;\">Si quieres saber <strong data-start=\"959\" data-end=\"999\">cu\u00e1nto paga el CDT de Nu en Colombia<\/strong>, qu\u00e9 tasa ofrece actualmente o cu\u00e1nto podr\u00edas ganar invirtiendo tu dinero durante varios meses, aqu\u00ed encontrar\u00e1s las condiciones vigentes y ejemplos f\u00e1ciles de entender.<\/span><\/p><p data-start=\"1171\" data-end=\"1638\"><span style=\"color: #000000;\">El <strong data-start=\"1174\" data-end=\"1184\">CDT Nu<\/strong> permite invertir una cantidad de dinero durante un plazo definido y conocer desde el inicio la tasa efectiva anual asociada a ese plazo. A diferencia de una Cajita de ahorro, el dinero destinado al CDT <strong data-start=\"1387\" data-end=\"1465\">no queda disponible para moverlo libremente mientras el plazo est\u00e1 vigente<\/strong>. Cuando termina, Nu indica que el capital y los rendimientos vuelven autom\u00e1ticamente a la Cajita utilizada para realizar la inversi\u00f3n.<\/span><\/p><p data-start=\"1640\" data-end=\"1786\"><span style=\"color: #000000;\">Actualmente puedes abrirlo desde <strong data-start=\"1673\" data-end=\"1684\">$50.000<\/strong>, elegir entre varios plazos y tener varios CDT simult\u00e1neamente.<\/span><\/p><h2 data-section-id=\"8a9y3t\" data-start=\"1788\" data-end=\"1839\"><span style=\"color: #000000;\">\u00bfCu\u00e1l es la tasa del CDT Nu en Colombia en 2026?<\/span><\/h2><p data-start=\"1841\" data-end=\"2010\"><span style=\"color: #000000;\">La tabla oficial de <strong data-start=\"1861\" data-end=\"1890\">plazos y tasas del CDT Nu<\/strong>, vigente desde el <strong data-start=\"1909\" data-end=\"1931\">6 de julio de 2026<\/strong>, publica las siguientes tasas generales:<\/span><\/p><ul data-start=\"2012\" data-end=\"2268\"><li data-section-id=\"ltkgsf\" data-start=\"2012\" data-end=\"2037\"><span style=\"color: #000000;\"><strong data-start=\"2014\" data-end=\"2026\">60 d\u00edas:<\/strong> 9,40% E.A.<\/span><\/li><li data-section-id=\"1c8gy35\" data-start=\"2038\" data-end=\"2063\"><span style=\"color: #000000;\"><strong data-start=\"2040\" data-end=\"2052\">90 d\u00edas:<\/strong> 9,50% E.A.<\/span><\/li><li data-section-id=\"nb2ezs\" data-start=\"2064\" data-end=\"2090\"><span style=\"color: #000000;\"><strong data-start=\"2066\" data-end=\"2079\">120 d\u00edas:<\/strong> 9,60% E.A.<\/span><\/li><li data-section-id=\"xz947t\" data-start=\"2091\" data-end=\"2118\"><span style=\"color: #000000;\"><strong data-start=\"2093\" data-end=\"2106\">180 d\u00edas:<\/strong> 10,50% E.A.<\/span><\/li><li data-section-id=\"1gwhk6v\" data-start=\"2119\" data-end=\"2146\"><span style=\"color: #000000;\"><strong data-start=\"2121\" data-end=\"2134\">270 d\u00edas:<\/strong> 10,70% E.A.<\/span><\/li><li data-section-id=\"19mb1e9\" data-start=\"2147\" data-end=\"2174\"><span style=\"color: #000000;\"><strong data-start=\"2149\" data-end=\"2162\">360 d\u00edas:<\/strong> 11,00% E.A.<\/span><\/li><li data-section-id=\"u19chi\" data-start=\"2175\" data-end=\"2206\"><span style=\"color: #000000;\"><strong data-start=\"2177\" data-end=\"2190\">540 d\u00edas:<\/strong> <strong data-start=\"2191\" data-end=\"2206\">11,30% E.A.<\/strong><\/span><\/li><li data-section-id=\"18fglrm\" data-start=\"2207\" data-end=\"2238\"><span style=\"color: #000000;\"><strong data-start=\"2209\" data-end=\"2222\">720 d\u00edas:<\/strong> <strong data-start=\"2223\" data-end=\"2238\">11,30% E.A.<\/strong><\/span><\/li><li data-section-id=\"37k403\" data-start=\"2239\" data-end=\"2268\"><span style=\"color: #000000;\"><strong data-start=\"2241\" data-end=\"2256\">1.080 d\u00edas:<\/strong> 11,00% E.A.<\/span><\/li><\/ul><p data-start=\"2270\" data-end=\"2574\"><span style=\"color: #000000;\">Por lo tanto, la <strong data-start=\"2287\" data-end=\"2346\">mayor tasa general publicada actualmente es 11,30% E.A.<\/strong>, disponible en los plazos de <strong data-start=\"2376\" data-end=\"2394\">540 y 720 d\u00edas<\/strong>. Esto no significa necesariamente que sean los plazos m\u00e1s convenientes para todas las personas: tambi\u00e9n debes evaluar durante cu\u00e1nto tiempo puedes mantener el dinero comprometido.<\/span><\/p><p data-start=\"2576\" data-end=\"2693\"><span style=\"color: #000000;\">Nu publica adem\u00e1s <strong data-start=\"2594\" data-end=\"2639\">$0 en costos de apertura y administraci\u00f3n<\/strong> para estos CDT.<\/span><\/p><h2 data-section-id=\"1xwd9bi\" data-start=\"2695\" data-end=\"2731\"><span style=\"color: #000000;\">\u00bfCu\u00e1nto paga realmente un CDT Nu?<\/span><\/h2><p data-start=\"2733\" data-end=\"2786\"><span style=\"color: #000000;\">La ganancia depende principalmente de tres variables:<\/span><\/p><ol data-start=\"2788\" data-end=\"2874\"><li data-section-id=\"yp8j6d\" data-start=\"2788\" data-end=\"2815\"><span style=\"color: #000000;\">cu\u00e1nto dinero inviertes;<\/span><\/li><li data-section-id=\"g4ff4c\" data-start=\"2816\" data-end=\"2837\"><span style=\"color: #000000;\">qu\u00e9 plazo escoges;<\/span><\/li><li data-section-id=\"1in953g\" data-start=\"2838\" data-end=\"2874\"><span style=\"color: #000000;\">qu\u00e9 tasa corresponde a ese plazo.<\/span><\/li><\/ol><p data-start=\"2876\" data-end=\"3001\"><span style=\"color: #000000;\">La tasa se expresa como <strong data-start=\"2900\" data-end=\"2925\">E.A. (efectiva anual)<\/strong>, pero el rendimiento debe ajustarse al n\u00famero real de d\u00edas que dura el CDT.<\/span><\/p><p data-start=\"3003\" data-end=\"3039\"><span style=\"color: #000000;\">Por ejemplo, con las tasas vigentes:<\/span><\/p><h3 data-section-id=\"1j467mi\" data-start=\"3041\" data-end=\"3075\"><span style=\"color: #000000;\">Ejemplo: $5.000.000 a 180 d\u00edas<\/span><\/h3><p data-start=\"3077\" data-end=\"3149\"><span style=\"color: #000000;\">Con una tasa de <strong data-start=\"3093\" data-end=\"3108\">10,50% E.A.<\/strong>, la proyecci\u00f3n bruta es aproximadamente:<\/span><\/p><ul data-start=\"3151\" data-end=\"3293\"><li data-section-id=\"e0q341\" data-start=\"3151\" data-end=\"3176\"><span style=\"color: #000000;\">Capital: <strong data-start=\"3162\" data-end=\"3176\">$5.000.000<\/strong><\/span><\/li><li data-section-id=\"1s28uk8\" data-start=\"3177\" data-end=\"3198\"><span style=\"color: #000000;\">Plazo: <strong data-start=\"3186\" data-end=\"3198\">180 d\u00edas<\/strong><\/span><\/li><li data-section-id=\"14eca30\" data-start=\"3199\" data-end=\"3244\"><span style=\"color: #000000;\">Rendimiento bruto estimado: <strong data-start=\"3229\" data-end=\"3244\">$252.355,84<\/strong><\/span><\/li><li data-section-id=\"od453m\" data-start=\"3245\" data-end=\"3293\"><span style=\"color: #000000;\">Capital + rendimiento bruto: <strong data-start=\"3276\" data-end=\"3293\">$5.252.355,84<\/strong><\/span><\/li><\/ul><p data-start=\"3295\" data-end=\"3385\"><span style=\"color: #000000;\">La cifra es una simulaci\u00f3n matem\u00e1tica antes de la retenci\u00f3n que eventualmente corresponda.<\/span><\/p><h3 data-section-id=\"1sh5y68\" data-start=\"3387\" data-end=\"3422\"><span style=\"color: #000000;\">Ejemplo: $12.000.000 a 360 d\u00edas<\/span><\/h3><p data-start=\"3424\" data-end=\"3442\"><span style=\"color: #000000;\">A <strong data-start=\"3426\" data-end=\"3441\">11,00% E.A.<\/strong>:<\/span><\/p><ul data-start=\"3444\" data-end=\"3592\"><li data-section-id=\"1bejtuf\" data-start=\"3444\" data-end=\"3470\"><span style=\"color: #000000;\">Capital: <strong data-start=\"3455\" data-end=\"3470\">$12.000.000<\/strong><\/span><\/li><li data-section-id=\"l4xc38\" data-start=\"3471\" data-end=\"3492\"><span style=\"color: #000000;\">Plazo: <strong data-start=\"3480\" data-end=\"3492\">360 d\u00edas<\/strong><\/span><\/li><li data-section-id=\"1e9dg5r\" data-start=\"3493\" data-end=\"3542\"><span style=\"color: #000000;\">Rendimiento bruto aproximado: <strong data-start=\"3525\" data-end=\"3542\">$1.300.971,48<\/strong><\/span><\/li><li data-section-id=\"1weheb3\" data-start=\"3543\" data-end=\"3592\"><span style=\"color: #000000;\">Capital + rendimiento bruto: <strong data-start=\"3574\" data-end=\"3592\">$13.300.971,48<\/strong><\/span><\/li><\/ul><p data-start=\"3594\" data-end=\"3779\"><span style=\"color: #000000;\">Si adem\u00e1s se utiliza una estimaci\u00f3n del <strong data-start=\"3634\" data-end=\"3673\">4% de retenci\u00f3n sobre los intereses<\/strong>, el rendimiento neto ser\u00eda aproximadamente <strong data-start=\"3717\" data-end=\"3734\">$1.248.932,62<\/strong>, para un total cercano a <strong data-start=\"3760\" data-end=\"3778\">$13.248.932,62<\/strong>.<\/span><\/p><p data-start=\"3781\" data-end=\"3944\"><span style=\"color: #000000;\">Nu explica que los intereses de CDT <strong data-start=\"3817\" data-end=\"3876\">podr\u00edan estar sometidos a retenci\u00f3n en la fuente del 4%<\/strong>, seg\u00fan las reglas aplicables.<\/span><\/p><p data-start=\"3946\" data-end=\"4082\"><span style=\"color: #000000;\">Por eso conviene interpretar cualquier simulaci\u00f3n de \u201cganancia neta\u201d como una aproximaci\u00f3n y confirmar la liquidaci\u00f3n real del producto.<\/span><\/p><h2 data-section-id=\"186pm8r\" data-start=\"4084\" data-end=\"4133\"><span style=\"color: #000000;\">Simulador CDT Nu: calcula cu\u00e1nto podr\u00edas ganar<\/span><\/h2><p data-start=\"4135\" data-end=\"4266\"><span style=\"color: #000000;\">En nuestro <strong data-start=\"4146\" data-end=\"4169\">simulador de CDT Nu<\/strong> puedes ingresar el monto que quieres invertir y comparar los nueve plazos generales disponibles.<\/span><\/p><p data-start=\"4268\" data-end=\"4299\"><span style=\"color: #000000;\">La herramienta permite estimar:<\/span><\/p><ul data-start=\"4301\" data-end=\"4499\"><li data-section-id=\"jie03x\" data-start=\"4301\" data-end=\"4321\"><span style=\"color: #000000;\">rendimiento bruto;<\/span><\/li><li data-section-id=\"u0pu8o\" data-start=\"4322\" data-end=\"4345\"><span style=\"color: #000000;\">retenci\u00f3n aproximada;<\/span><\/li><li data-section-id=\"o41c0x\" data-start=\"4346\" data-end=\"4362\"><span style=\"color: #000000;\">ganancia neta;<\/span><\/li><li data-section-id=\"6g54on\" data-start=\"4363\" data-end=\"4392\"><span style=\"color: #000000;\">valor final al vencimiento;<\/span><\/li><li data-section-id=\"13q319o\" data-start=\"4393\" data-end=\"4427\"><span style=\"color: #000000;\">fecha aproximada de vencimiento;<\/span><\/li><li data-section-id=\"1o4oe2p\" data-start=\"4428\" data-end=\"4466\"><span style=\"color: #000000;\">comparaci\u00f3n entre diferentes plazos;<\/span><\/li><li data-section-id=\"b27gpw\" data-start=\"4467\" data-end=\"4499\"><span style=\"color: #000000;\">cobertura estimada de Fogaf\u00edn.<\/span><\/li><\/ul><p data-start=\"4501\" data-end=\"4738\"><span style=\"color: #000000;\">Esto es especialmente \u00fatil porque <strong data-start=\"4535\" data-end=\"4585\">la tasa m\u00e1s alta no est\u00e1 en el plazo m\u00e1s largo<\/strong>: actualmente 540 y 720 d\u00edas pagan 11,30% E.A., mientras que 1.080 d\u00edas aparece con una tasa general de 11,00% E.A.<\/span><\/p><h2 data-section-id=\"2r7q9s\" data-start=\"4740\" data-end=\"4771\"><span style=\"color: #000000;\">\u00bfC\u00f3mo funciona el CDT de Nu?<\/span><\/h2><p data-start=\"4773\" data-end=\"5119\"><span style=\"color: #000000;\">El proceso comienza desde la app de Nu. La entidad explica que debes ingresar a tu Cuenta de Ahorros, seleccionar una Cajita que tenga por lo menos <strong data-start=\"4921\" data-end=\"4932\">$50.000<\/strong>, elegir la opci\u00f3n para invertir en un CDT, indicar el monto y escoger el plazo. Despu\u00e9s revisas las condiciones y confirmas la operaci\u00f3n con tu PIN.<\/span><\/p><p data-start=\"5121\" data-end=\"5148\"><span style=\"color: #000000;\">Una vez constituido el CDT:<\/span><\/p><ul data-start=\"5150\" data-end=\"5474\"><li data-section-id=\"iqu7us\" data-start=\"5150\" data-end=\"5200\"><span style=\"color: #000000;\">conoces la tasa aplicable al plazo seleccionado;<\/span><\/li><li data-section-id=\"1mco8ug\" data-start=\"5201\" data-end=\"5249\"><span style=\"color: #000000;\">puedes revisar desde la app cu\u00e1nto ha crecido;<\/span><\/li><li data-section-id=\"74imn9\" data-start=\"5250\" data-end=\"5304\"><span style=\"color: #000000;\">puedes consultar la fecha de apertura y vencimiento;<\/span><\/li><li data-section-id=\"6mguvb\" data-start=\"5305\" data-end=\"5376\"><span style=\"color: #000000;\">Nu puede mostrar la retenci\u00f3n en la fuente que eventualmente aplique;<\/span><\/li><li data-section-id=\"31k2jc\" data-start=\"5377\" data-end=\"5474\"><span style=\"color: #000000;\">el dinero queda comprometido durante el plazo contratado.<\/span><\/li><\/ul><p data-start=\"5476\" data-end=\"5656\"><span style=\"color: #000000;\">Nu tambi\u00e9n indica que puedes tener <strong data-start=\"5511\" data-end=\"5541\">varios CDT al mismo tiempo<\/strong>, lo que permite distribuir el dinero entre diferentes montos y vencimientos.<\/span><\/p><h2 data-section-id=\"qwb5mj\" data-start=\"5658\" data-end=\"5711\"><span style=\"color: #000000;\">\u00bfSe puede retirar el CDT Nu antes del vencimiento?<\/span><\/h2><p data-start=\"5713\" data-end=\"5824\"><span style=\"color: #000000;\">Para un usuario que est\u00e1 comparando CDT Nu frente a una Cajita, esta es una de las diferencias m\u00e1s importantes.<\/span><\/p><p data-start=\"5826\" data-end=\"6036\"><span style=\"color: #000000;\">Nu se\u00f1ala que durante el plazo seleccionado <strong data-start=\"5870\" data-end=\"5921\">no podr\u00e1s mover normalmente el dinero invertido<\/strong> y que este estar\u00e1 disponible nuevamente cuando finalice el plazo acordado.<\/span><\/p><p data-start=\"6038\" data-end=\"6117\"><span style=\"color: #000000;\">Por eso un CDT tiene m\u00e1s sentido para dinero que realmente puedes dejar quieto.<\/span><\/p><p data-start=\"6119\" data-end=\"6182\"><span style=\"color: #000000;\">Si existe una posibilidad alta de necesitar esos recursos para:<\/span><\/p><ul data-start=\"6184\" data-end=\"6279\"><li data-section-id=\"dvrkp5\" data-start=\"6184\" data-end=\"6205\"><span style=\"color: #000000;\">gastos imprevistos;<\/span><\/li><li data-section-id=\"ljz6u0\" data-start=\"6206\" data-end=\"6220\"><span style=\"color: #000000;\">emergencias;<\/span><\/li><li data-section-id=\"xgyghz\" data-start=\"6221\" data-end=\"6253\"><span style=\"color: #000000;\">pago de obligaciones pr\u00f3ximas;<\/span><\/li><li data-section-id=\"1dfmm5q\" data-start=\"6254\" data-end=\"6279\"><span style=\"color: #000000;\">compras de corto plazo;<\/span><\/li><\/ul><p data-start=\"6281\" data-end=\"6356\"><span style=\"color: #000000;\">una alternativa con liquidez, como una Cajita, puede resultar m\u00e1s adecuada.<\/span><\/p><h2 data-section-id=\"jzpz9k\" data-start=\"6358\" data-end=\"6407\"><span style=\"color: #000000;\">\u00bfCu\u00e1l es el monto m\u00ednimo para abrir un CDT Nu?<\/span><\/h2><p data-start=\"6409\" data-end=\"6508\"><span style=\"color: #000000;\">El monto m\u00ednimo general publicado por Nu es de <strong data-start=\"6456\" data-end=\"6467\">$50.000<\/strong>.<\/span><\/p><p data-start=\"6510\" data-end=\"6591\"><span style=\"color: #000000;\">Esto permite utilizar el producto incluso con inversiones relativamente peque\u00f1as.<\/span><\/p><p data-start=\"6593\" data-end=\"6808\"><span style=\"color: #000000;\">Por ejemplo, en vez de colocar todo tu ahorro en un \u00fanico CDT largo, podr\u00edas evaluar varios CDT con diferentes fechas de vencimiento. Esa decisi\u00f3n ya depende de tus necesidades de liquidez y del objetivo del dinero.<\/span><\/p><h2 data-section-id=\"jzmmu6\" data-start=\"6810\" data-end=\"6840\"><span style=\"color: #000000;\">\u00bfPuedo tener varios CDT Nu?<\/span><\/h2><p data-start=\"6842\" data-end=\"6944\"><span style=\"color: #000000;\">S\u00ed. Nu indica que puedes tener <strong data-start=\"6873\" data-end=\"6903\">varios CDT simult\u00e1neamente<\/strong>.<\/span><\/p><p data-start=\"6946\" data-end=\"6997\"><span style=\"color: #000000;\">Esto permite, por ejemplo, dividir $10 millones en:<\/span><\/p><ul data-start=\"6999\" data-end=\"7073\"><li data-section-id=\"g67d07\" data-start=\"6999\" data-end=\"7023\"><span style=\"color: #000000;\">un CDT de corto plazo;<\/span><\/li><li data-section-id=\"17ej9iu\" data-start=\"7024\" data-end=\"7046\"><span style=\"color: #000000;\">otro de plazo medio;<\/span><\/li><li data-section-id=\"15i7q9t\" data-start=\"7047\" data-end=\"7073\"><span style=\"color: #000000;\">otro de plazo m\u00e1s largo.<\/span><\/li><\/ul><p data-start=\"7075\" data-end=\"7220\"><span style=\"color: #000000;\">No necesariamente aumenta la rentabilidad total, pero puede ayudarte a distribuir las fechas en las que recuperas disponibilidad sobre el dinero.<\/span><\/p><h2 data-section-id=\"j2cb6n\" data-start=\"7222\" data-end=\"7264\"><span style=\"color: #000000;\">\u00bfCu\u00e1ndo pagan los intereses del CDT Nu?<\/span><\/h2><p data-start=\"7266\" data-end=\"7367\"><span style=\"color: #000000;\">El CDT no funciona como una cuenta remunerada que va dejando disponible cada d\u00eda el inter\u00e9s generado.<\/span><\/p><p data-start=\"7369\" data-end=\"7627\"><span style=\"color: #000000;\">Durante el plazo puedes consultar desde la app c\u00f3mo evoluciona la inversi\u00f3n, pero Nu se\u00f1ala que el dinero vuelve a estar disponible <strong data-start=\"7501\" data-end=\"7530\">una vez finaliza el plazo<\/strong>, momento en el cual regresa a la Cajita correspondiente.<\/span><\/p><p data-start=\"7629\" data-end=\"7804\"><span style=\"color: #000000;\">Por eso las cifras de \u201ccrecimiento diario\u201d que puede mostrar un simulador deben entenderse como una <strong data-start=\"7729\" data-end=\"7754\">proyecci\u00f3n matem\u00e1tica<\/strong>, no como dinero disponible para retirar cada d\u00eda.<\/span><\/p><h2 data-section-id=\"leuew7\" data-start=\"7806\" data-end=\"7849\"><span style=\"color: #000000;\">\u00bfEl CDT Nu tiene retenci\u00f3n en la fuente?<\/span><\/h2><p data-start=\"7851\" data-end=\"7865\"><span style=\"color: #000000;\">Puede tenerla.<\/span><\/p><p data-start=\"7867\" data-end=\"8017\"><span style=\"color: #000000;\">Nu explica que los pagos de intereses sobre CDT <strong data-start=\"7915\" data-end=\"7976\">podr\u00edan estar sujetos a una retenci\u00f3n en la fuente del 4%<\/strong>.<\/span><\/p><p data-start=\"8019\" data-end=\"8049\"><span style=\"color: #000000;\">Por ejemplo, si un CDT genera:<\/span><\/p><p data-start=\"8051\" data-end=\"8078\"><span style=\"color: #000000;\"><strong data-start=\"8051\" data-end=\"8078\">$1.000.000 en intereses<\/strong><\/span><\/p><p data-start=\"8080\" data-end=\"8126\"><span style=\"color: #000000;\">una estimaci\u00f3n simple del 4% corresponder\u00eda a:<\/span><\/p><p data-start=\"8128\" data-end=\"8152\"><span style=\"color: #000000;\"><strong data-start=\"8128\" data-end=\"8152\">$40.000 de retenci\u00f3n<\/strong><\/span><\/p><p data-start=\"8154\" data-end=\"8164\"><span style=\"color: #000000;\">y dejar\u00eda:<\/span><\/p><p data-start=\"8166\" data-end=\"8220\"><span style=\"color: #000000;\"><strong data-start=\"8166\" data-end=\"8219\">$960.000 de rendimiento despu\u00e9s de esa estimaci\u00f3n<\/strong>.<\/span><\/p><p data-start=\"8222\" data-end=\"8329\"><span style=\"color: #000000;\">La aplicaci\u00f3n definitiva depender\u00e1 de la normativa tributaria y de la liquidaci\u00f3n realizada por la entidad.<\/span><\/p><h2 data-section-id=\"1qixkih\" data-start=\"8331\" data-end=\"8372\"><span style=\"color: #000000;\">\u00bfEl CDT Nu est\u00e1 protegido por Fogaf\u00edn?<\/span><\/h2><p data-start=\"8374\" data-end=\"8545\"><span style=\"color: #000000;\">S\u00ed. Los <strong data-start=\"8382\" data-end=\"8426\">Certificados de Dep\u00f3sito a T\u00e9rmino (CDT)<\/strong> est\u00e1n dentro de los productos cubiertos por el Seguro de Dep\u00f3sitos de Fogaf\u00edn.<\/span><\/p><p data-start=\"8547\" data-end=\"8694\"><span style=\"color: #000000;\">La cobertura m\u00e1xima vigente es de <strong data-start=\"8581\" data-end=\"8653\">hasta $50 millones por depositante y por entidad financiera inscrita<\/strong>.<\/span><\/p><p data-start=\"8696\" data-end=\"8779\"><span style=\"color: #000000;\">Esto es importante porque el l\u00edmite <strong data-start=\"8732\" data-end=\"8778\">no funciona como $50 millones por cada CDT<\/strong>.<\/span><\/p><p data-start=\"8781\" data-end=\"8831\"><span style=\"color: #000000;\">Por ejemplo, si dentro de la misma entidad tienes:<\/span><\/p><ul data-start=\"8833\" data-end=\"8910\"><li data-section-id=\"1p52ofo\" data-start=\"8833\" data-end=\"8866\"><span style=\"color: #000000;\">Cuenta de ahorros: $20 millones<\/span><\/li><li data-section-id=\"1h1nm6d\" data-start=\"8867\" data-end=\"8888\"><span style=\"color: #000000;\">CDT 1: $20 millones<\/span><\/li><li data-section-id=\"1dmsnc3\" data-start=\"8889\" data-end=\"8910\"><span style=\"color: #000000;\">CDT 2: $25 millones<\/span><\/li><\/ul><p data-start=\"8912\" data-end=\"9307\"><span style=\"color: #000000;\">los productos protegidos se consideran en conjunto para efectos del l\u00edmite del seguro. Fogaf\u00edn explica que cuando una persona tiene una cuenta de ahorro y un CDT en la misma entidad se suman los saldos asociados a su identificaci\u00f3n y la protecci\u00f3n llega hasta <strong data-start=\"9172\" data-end=\"9188\">$50 millones<\/strong>; cualquier excedente tendr\u00eda que reclamarse dentro del proceso de liquidaci\u00f3n.<\/span><\/p><h2 data-section-id=\"1dy2n25\" data-start=\"9309\" data-end=\"9354\"><span style=\"color: #000000;\">\u00bfHay que pagar por el Seguro de Dep\u00f3sitos?<\/span><\/h2><p data-start=\"9356\" data-end=\"9359\"><span style=\"color: #000000;\">No.<\/span><\/p><p data-start=\"9361\" data-end=\"9545\"><span style=\"color: #000000;\">Fogaf\u00edn indica que el Seguro de Dep\u00f3sitos <strong data-start=\"9403\" data-end=\"9439\">no tiene costo para el ahorrador<\/strong> y se adquiere autom\u00e1ticamente al contratar un producto protegido.<\/span><\/p><p data-start=\"9547\" data-end=\"9637\"><span style=\"color: #000000;\">La protecci\u00f3n opera en caso de liquidaci\u00f3n forzosa administrativa de una entidad inscrita.<\/span><\/p><p data-start=\"9639\" data-end=\"9875\"><span style=\"color: #000000;\">Fogaf\u00edn se\u00f1ala adem\u00e1s que propender\u00e1 por efectuar el pago del seguro dentro de los <strong data-start=\"9722\" data-end=\"9772\">siete d\u00edas h\u00e1biles siguientes a la liquidaci\u00f3n<\/strong>, de acuerdo con la informaci\u00f3n suministrada por el liquidador.<\/span><\/p><h2 data-section-id=\"tis0eb\" data-start=\"9877\" data-end=\"9922\"><span style=\"color: #000000;\">\u00bfQu\u00e9 plazo del CDT Nu tiene la mejor tasa?<\/span><\/h2><p data-start=\"9924\" data-end=\"9951\"><span style=\"color: #000000;\">Actualmente, los plazos de:<\/span><\/p><ul data-start=\"9953\" data-end=\"9982\"><li data-section-id=\"1dfck0y\" data-start=\"9953\" data-end=\"9967\"><span style=\"color: #000000;\"><strong data-start=\"9955\" data-end=\"9967\">540 d\u00edas<\/strong><\/span><\/li><li data-section-id=\"1intmzq\" data-start=\"9968\" data-end=\"9982\"><span style=\"color: #000000;\"><strong data-start=\"9970\" data-end=\"9982\">720 d\u00edas<\/strong><\/span><\/li><\/ul><p data-start=\"9984\" data-end=\"10084\"><span style=\"color: #000000;\">comparten la mayor tasa general publicada de <strong data-start=\"10029\" data-end=\"10044\">11,30% E.A.<\/strong><\/span><\/p><p data-start=\"10086\" data-end=\"10145\"><span style=\"color: #000000;\">Sin embargo, elegir \u00fanicamente por tasa puede ser un error.<\/span><\/p><p data-start=\"10147\" data-end=\"10177\"><span style=\"color: #000000;\">Supongamos que puedes obtener:<\/span><\/p><ul data-start=\"10179\" data-end=\"10232\"><li data-section-id=\"5b2eix\" data-start=\"10179\" data-end=\"10205\"><span style=\"color: #000000;\">11,00% durante 360 d\u00edas;<\/span><\/li><li data-section-id=\"6vv597\" data-start=\"10206\" data-end=\"10232\"><span style=\"color: #000000;\">11,30% durante 540 d\u00edas.<\/span><\/li><\/ul><p data-start=\"10234\" data-end=\"10333\"><span style=\"color: #000000;\">Ese incremento de tasa implica dejar tu dinero comprometido aproximadamente seis meses adicionales.<\/span><\/p><p data-start=\"10335\" data-end=\"10380\"><span style=\"color: #000000;\">Por eso la pregunta correcta no es solamente:<\/span><\/p><blockquote data-start=\"10382\" data-end=\"10401\"><p data-start=\"10384\" data-end=\"10401\"><span style=\"color: #000000;\">\u201c\u00bfCu\u00e1l paga m\u00e1s?\u201d<\/span><\/p><\/blockquote><p data-start=\"10403\" data-end=\"10416\"><span style=\"color: #000000;\">sino tambi\u00e9n:<\/span><\/p><blockquote data-start=\"10418\" data-end=\"10489\"><p data-start=\"10420\" data-end=\"10489\"><span style=\"color: #000000;\"><strong data-start=\"10420\" data-end=\"10489\">\u201c\u00bfDurante cu\u00e1nto tiempo puedo dejar este dinero sin necesitarlo?\u201d<\/strong><\/span><\/p><\/blockquote><h2 data-section-id=\"1vj96fn\" data-start=\"10491\" data-end=\"10529\"><span style=\"color: #000000;\">CDT Nu vs. Cajitas: \u00bfcu\u00e1l conviene?<\/span><\/h2><p data-start=\"10531\" data-end=\"10578\"><span style=\"color: #000000;\">Los dos productos cumplen objetivos diferentes.<\/span><\/p><h3 data-section-id=\"f6obe6\" data-start=\"10580\" data-end=\"10590\"><span style=\"color: #000000;\">CDT Nu<\/span><\/h3><p data-start=\"10592\" data-end=\"10623\"><span style=\"color: #000000;\">Puede ser m\u00e1s apropiado cuando:<\/span><\/p><ul data-start=\"10625\" data-end=\"10800\"><li data-section-id=\"gk2p5k\" data-start=\"10625\" data-end=\"10673\"><span style=\"color: #000000;\">tienes dinero que no necesitas inmediatamente;<\/span><\/li><li data-section-id=\"1g8tbzz\" data-start=\"10674\" data-end=\"10716\"><span style=\"color: #000000;\">quieres una tasa definida para un plazo;<\/span><\/li><li data-section-id=\"5xvyan\" data-start=\"10717\" data-end=\"10745\"><span style=\"color: #000000;\">tienes una meta con fecha;<\/span><\/li><li data-section-id=\"1tsrurs\" data-start=\"10746\" data-end=\"10800\"><span style=\"color: #000000;\">prefieres reducir la tentaci\u00f3n de gastar ese ahorro.<\/span><\/li><\/ul><h3 data-section-id=\"1g6fq1m\" data-start=\"10802\" data-end=\"10816\"><span style=\"color: #000000;\">Cajitas Nu<\/span><\/h3><p data-start=\"10818\" data-end=\"10856\"><span style=\"color: #000000;\">Pueden resultar m\u00e1s apropiadas cuando:<\/span><\/p><ul data-start=\"10858\" data-end=\"11023\"><li data-section-id=\"hev8qj\" data-start=\"10858\" data-end=\"10888\"><span style=\"color: #000000;\">necesitas mantener liquidez;<\/span><\/li><li data-section-id=\"mjhomp\" data-start=\"10889\" data-end=\"10939\"><span style=\"color: #000000;\">el dinero forma parte de tu fondo de emergencia;<\/span><\/li><li data-section-id=\"13wa9bn\" data-start=\"10940\" data-end=\"10974\"><span style=\"color: #000000;\">podr\u00edas necesitar retirar antes;<\/span><\/li><li data-section-id=\"j9spaa\" data-start=\"10975\" data-end=\"11023\"><span style=\"color: #000000;\">prefieres no comprometerte con un vencimiento.<\/span><\/li><\/ul><p data-start=\"11025\" data-end=\"11229\"><span style=\"color: #000000;\">La propia Nu explica que, si no est\u00e1s seguro de poder esperar hasta el vencimiento de un CDT, una Cajita puede adaptarse mejor porque mantiene el dinero disponible.<\/span><\/p><h2 data-section-id=\"dr40nt\" data-start=\"11231\" data-end=\"11276\"><span style=\"color: #000000;\">\u00bfPara qui\u00e9n puede tener sentido un CDT Nu?<\/span><\/h2><p data-start=\"11278\" data-end=\"11425\"><span style=\"color: #000000;\">El CDT Nu puede tener sentido para una persona que ya tiene un objetivo definido y sabe que no necesitar\u00e1 ese dinero durante el plazo seleccionado.<\/span><\/p><p data-start=\"11427\" data-end=\"11439\"><span style=\"color: #000000;\">Por ejemplo:<\/span><\/p><ul data-start=\"11441\" data-end=\"11635\"><li data-section-id=\"11z4gzq\" data-start=\"11441\" data-end=\"11464\"><span style=\"color: #000000;\">matr\u00edcula o estudios;<\/span><\/li><li data-section-id=\"1x3ct30\" data-start=\"11465\" data-end=\"11484\"><span style=\"color: #000000;\">viaje programado;<\/span><\/li><li data-section-id=\"16y187n\" data-start=\"11485\" data-end=\"11506\"><span style=\"color: #000000;\">compra de veh\u00edculo;<\/span><\/li><li data-section-id=\"o8qsvq\" data-start=\"11507\" data-end=\"11523\"><span style=\"color: #000000;\">cuota inicial;<\/span><\/li><li data-section-id=\"1gowox6\" data-start=\"11524\" data-end=\"11549\"><span style=\"color: #000000;\">reserva para impuestos;<\/span><\/li><li data-section-id=\"1vgvpdz\" data-start=\"11550\" data-end=\"11586\"><span style=\"color: #000000;\">ahorro para una fecha determinada;<\/span><\/li><li data-section-id=\"1az6rcw\" data-start=\"11587\" data-end=\"11635\"><span style=\"color: #000000;\">dinero que deseas separar del gasto cotidiano.<\/span><\/li><\/ul><p data-start=\"11637\" data-end=\"11800\"><span style=\"color: #000000;\">En cambio, no resulta conveniente comprometer en un CDT todo el dinero destinado a emergencias o gastos pr\u00f3ximos si vas a necesitar liquidez antes del vencimiento.<\/span><\/p><h2 data-section-id=\"1q3h7ku\" data-start=\"11802\" data-end=\"11841\"><span style=\"color: #000000;\">Preguntas frecuentes sobre el CDT Nu<\/span><\/h2><h3 data-section-id=\"jz82y6\" data-start=\"11843\" data-end=\"11892\"><span style=\"color: #000000;\">\u00bfCu\u00e1l es la tasa m\u00e1s alta del CDT Nu en 2026?<\/span><\/h3><p data-start=\"11894\" data-end=\"12096\"><span style=\"color: #000000;\">La mayor tasa general publicada actualmente es <strong data-start=\"11941\" data-end=\"11956\">11,30% E.A.<\/strong>, disponible para los CDT de <strong data-start=\"11985\" data-end=\"12003\">540 y 720 d\u00edas<\/strong>, seg\u00fan la tabla vigente desde el 6 de julio de 2026.<\/span><\/p><h3 data-section-id=\"1rha303\" data-start=\"12098\" data-end=\"12140\"><span style=\"color: #000000;\">\u00bfCu\u00e1nto necesito para abrir un CDT Nu?<\/span><\/h3><p data-start=\"12142\" data-end=\"12224\"><span style=\"color: #000000;\">El monto m\u00ednimo general es de <strong data-start=\"12172\" data-end=\"12183\">$50.000<\/strong>.<\/span><\/p><h3 data-section-id=\"1d2uryr\" data-start=\"12226\" data-end=\"12257\"><span style=\"color: #000000;\">\u00bfPuedo tener m\u00e1s de un CDT?<\/span><\/h3><p data-start=\"12259\" data-end=\"12357\"><span style=\"color: #000000;\">S\u00ed. Nu indica que puedes tener varios CDT simult\u00e1neamente.<\/span><\/p><h3 data-section-id=\"1vg07ec\" data-start=\"12359\" data-end=\"12400\"><span style=\"color: #000000;\">\u00bfPuedo sacar el dinero cuando quiera?<\/span><\/h3><p data-start=\"12402\" data-end=\"12593\"><span style=\"color: #000000;\">No funciona como una cuenta de libre disponibilidad. El dinero queda comprometido durante el plazo escogido y vuelve a estar disponible al finalizarlo.<\/span><\/p><h3 data-section-id=\"fcf9au\" data-start=\"12595\" data-end=\"12635\"><span style=\"color: #000000;\">\u00bfEl CDT Nu tiene costos de apertura?<\/span><\/h3><p data-start=\"12637\" data-end=\"12756\"><span style=\"color: #000000;\">La tabla oficial vigente publica <strong data-start=\"12670\" data-end=\"12715\">$0 en costos de apertura y administraci\u00f3n<\/strong>.<\/span><\/p><h3 data-section-id=\"sb7gpq\" data-start=\"12758\" data-end=\"12787\"><span style=\"color: #000000;\">\u00bfEl CDT Nu tiene Fogaf\u00edn?<\/span><\/h3><p data-start=\"12789\" data-end=\"12976\"><span style=\"color: #000000;\">Los CDT son productos protegidos por el Seguro de Dep\u00f3sitos y el l\u00edmite general vigente es de hasta <strong data-start=\"12889\" data-end=\"12935\">$50 millones por depositante y por entidad<\/strong><\/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-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-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>CDT Nu \u00b7 Colombia 2026 Calcula cu\u00e1nto puedes ganar con un CDT Nu. Ingresa cu\u00e1nto quieres invertir, compara los plazos generales publicados por Nu y conoce la ganancia estimada, el valor que recibir\u00edas al vencimiento y la fecha aproximada de pago. $Desde $50.000Monto m\u00ednimo general publicado. EATasa fijaSe conserva durante el plazo contratado. 0Costos $0Apertura&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8654,"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","has-post-thumbnail","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":37,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/6221\/revisions"}],"predecessor-version":[{"id":8850,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/herramientas\/6221\/revisions\/8850"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inversionesguru.com\/co\/wp-json\/wp\/v2\/media\/8654"}],"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}]}}