{"id":2258,"date":"2026-03-18T15:35:52","date_gmt":"2026-03-18T15:35:52","guid":{"rendered":"https:\/\/alineasanpancho.com\/?page_id=2258"},"modified":"2026-04-06T21:51:29","modified_gmt":"2026-04-06T21:51:29","slug":"simulador-de-costos","status":"publish","type":"page","link":"https:\/\/alineasanpancho.com\/es\/simulador-de-costos\/","title":{"rendered":"Simulador de costos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2258\" class=\"elementor elementor-2258\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc60f7c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"bc60f7c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38c3c5d\" data-id=\"38c3c5d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eceb8b2 elementor-widget elementor-widget-heading\" data-id=\"eceb8b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Simulador de pagos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3cc7e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3cc7e4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-211cf1c\" data-id=\"211cf1c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a52a606 elementor-widget elementor-widget-html\" data-id=\"a52a606\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n    .mp-widget-container {\r\n        display: flex;\r\n        justify-content: center;\r\n        width: 100%;\r\n        padding: 10px;\r\n        box-sizing: border-box;\r\n        font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\r\n    }\r\n\r\n    .mp-widget {\r\n        background: #ffffff;\r\n        padding: 20px;\r\n        border-radius: 12px;\r\n        box-shadow: 0 4px 10px rgba(0,0,0,0.08);\r\n        border: 1px solid #e5e7eb;\r\n        width: 100%;\r\n        max-width: 420px; \r\n        box-sizing: border-box;\r\n    }\r\n\r\n    .mp-widget h2 { \r\n        margin: 0 0 15px 0; \r\n        color: #1f2937; \r\n        font-size: 1.25rem; \r\n        text-align: center;\r\n        font-weight: 600;\r\n    }\r\n\r\n    .mp-widget .form-group { \r\n        margin-bottom: 15px; \r\n    }\r\n\r\n    .mp-widget label { \r\n        display: block; \r\n        margin-bottom: 6px; \r\n        color: #4b5563; \r\n        font-weight: 600; \r\n        font-size: 0.9rem;\r\n    }\r\n\r\n    \/* Modificado para que solo aplique a number y no rompa los radio buttons *\/\r\n    .mp-widget input[type=\"number\"], \r\n    .mp-widget select { \r\n        width: 100%; \r\n        padding: 12px; \r\n        border: 1px solid #d1d5db; \r\n        border-radius: 8px; \r\n        font-size: 1rem; \r\n        box-sizing: border-box; \r\n        background-color: #f9fafb;\r\n        color: #111827;\r\n        transition: border-color 0.2s;\r\n    }\r\n\r\n    .mp-widget input[type=\"number\"]:focus, \r\n    .mp-widget select:focus {\r\n        outline: none;\r\n        border-color: #3b82f6;\r\n        background-color: #ffffff;\r\n    }\r\n\r\n    \/* Estilos para las opciones de financiamiento *\/\r\n    .mp-widget .radio-group {\r\n        display: flex;\r\n        flex-direction: column;\r\n        gap: 10px;\r\n        background: #f9fafb;\r\n        padding: 12px;\r\n        border-radius: 8px;\r\n        border: 1px solid #d1d5db;\r\n    }\r\n\r\n    .mp-widget .radio-option {\r\n        display: flex;\r\n        align-items: center;\r\n        gap: 8px;\r\n        font-size: 0.9rem;\r\n        color: #374151;\r\n        font-weight: 400;\r\n        cursor: pointer;\r\n        margin-bottom: 0;\r\n    }\r\n\r\n    .mp-widget .radio-option input[type=\"radio\"] {\r\n        width: 16px;\r\n        height: 16px;\r\n        cursor: pointer;\r\n        accent-color: #009ee3;\r\n        margin: 0;\r\n    }\r\n\r\n    \/* ESTILOS DEL BOT\u00d3N *\/\r\n    .mp-widget .btn-calcular {\r\n        width: 100%;\r\n        background-color: #009ee3;\r\n        color: white;\r\n        padding: 14px;\r\n        border: none;\r\n        border-radius: 8px;\r\n        font-size: 1rem;\r\n        font-weight: bold;\r\n        cursor: pointer;\r\n        margin-top: 5px;\r\n        margin-bottom: 15px;\r\n        transition: background-color 0.3s;\r\n    }\r\n\r\n    .mp-widget .btn-calcular:hover {\r\n        background-color: #008ccc;\r\n    }\r\n\r\n    .mp-widget .btn-calcular:active {\r\n        transform: scale(0.98);\r\n    }\r\n\r\n    .mp-widget .results { \r\n        background: #f8fafc; \r\n        padding: 15px; \r\n        border-radius: 8px; \r\n        border: 1px solid #e2e8f0; \r\n    }\r\n\r\n    .mp-widget .result-row { \r\n        display: flex; \r\n        justify-content: space-between; \r\n        margin-bottom: 10px; \r\n        font-size: 0.85rem; \r\n        color: #64748b; \r\n    }\r\n\r\n    .mp-widget .total-row { \r\n        display: flex; \r\n        justify-content: space-between; \r\n        margin-top: 15px; \r\n        padding-top: 15px; \r\n        border-top: 2px dashed #cbd5e1; \r\n        font-weight: bold; \r\n        font-size: 1.1rem; \r\n        color: #0f172a; \r\n        align-items: center;\r\n    }\r\n\r\n    .mp-widget .neto { \r\n        color: #10b981; \r\n        font-size: 1.4rem; \r\n    }\r\n\r\n    \/* Info extra para mostrar al cliente *\/\r\n    .mp-widget .info-cliente {\r\n        margin-top: 15px;\r\n        background: #e0f2fe;\r\n        border: 1px solid #bae6fd;\r\n        padding: 15px;\r\n        border-radius: 8px;\r\n        color: #0369a1;\r\n        font-size: 0.9rem;\r\n    }\r\n\r\n    .mp-widget .info-cliente strong {\r\n        display: block;\r\n        margin-bottom: 10px;\r\n        color: #0284c7;\r\n        font-size: 0.95rem;\r\n    }\r\n\r\n    .mp-widget .info-row {\r\n        display: flex;\r\n        justify-content: space-between;\r\n        margin-bottom: 5px;\r\n    }\r\n<\/style>\r\n\r\n<div class=\"mp-widget-container\">\r\n    <div class=\"mp-widget\">\r\n        <h2>\ud83d\udcb3 Calculadora Mercado Pago<\/h2>\r\n        \r\n        <div class=\"form-group\">\r\n            <label for=\"mp-precio\">Precio de tu producto ($ MXN):<\/label>\r\n            <input type=\"number\" id=\"mp-precio\" value=\"1000\" inputmode=\"decimal\">\r\n        <\/div>\r\n\r\n        <div class=\"form-group\">\r\n            <label>Tipo de cobro:<\/label>\r\n            <div class=\"radio-group\">\r\n                <label class=\"radio-option\">\r\n                    <input type=\"radio\" name=\"tipo_financiamiento\" value=\"normal\" checked onchange=\"actualizarOpciones()\">\r\n                    Cobro normal (1 pago)\r\n                <\/label>\r\n                <label class=\"radio-option\">\r\n                    <input type=\"radio\" name=\"tipo_financiamiento\" value=\"msi\" onchange=\"actualizarOpciones()\">\r\n                    Meses Sin Intereses (T\u00fa absorbes la comisi\u00f3n)\r\n                <\/label>\r\n                <label class=\"radio-option\">\r\n                    <input type=\"radio\" name=\"tipo_financiamiento\" value=\"mci\" onchange=\"actualizarOpciones()\">\r\n                    Meses Con Intereses (El cliente paga el recargo)\r\n                <\/label>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"form-group\" id=\"grupo-meses\" style=\"display: none;\">\r\n            <label for=\"mp-meses\">Selecciona el plazo:<\/label>\r\n            <select id=\"mp-meses\" onchange=\"calcularMP()\">\r\n                <\/select>\r\n        <\/div>\r\n\r\n        <button class=\"btn-calcular\" onclick=\"calcularMP()\">Calcular Comisiones<\/button>\r\n\r\n        <div class=\"results\">\r\n            <div class=\"result-row\">\r\n                <span>Comisi\u00f3n Base (3.49% + $4)<\/span>\r\n                <span id=\"mp-resBase\">$0.00<\/span>\r\n            <\/div>\r\n            <div class=\"result-row\">\r\n                <span>Costo por Meses<\/span>\r\n                <span id=\"mp-resMsi\">$0.00<\/span>\r\n            <\/div>\r\n            <div class=\"result-row\">\r\n                <span>IVA comisiones (16%)<\/span>\r\n                <span id=\"mp-resIva\">$0.00<\/span>\r\n            <\/div>\r\n            \r\n            <div class=\"total-row\">\r\n                <span>Comisi\u00f3n Total a pagar<\/span>\r\n                <span id=\"mp-resComisionTotal\" style=\"color: #ef4444;\">$0.00<\/span>\r\n            <\/div>\r\n            <div class=\"total-row\">\r\n                <span>Neto a recibir<\/span>\r\n                <span id=\"mp-resNeto\" class=\"neto\">$0.00<\/span>\r\n            <\/div>\r\n\r\n            <div class=\"info-cliente\" id=\"info-cliente\" style=\"display: none;\">\r\n                <strong>\u2139\ufe0f Dile a tu cliente:<\/strong>\r\n                <div class=\"info-row\">\r\n                    <span>Total que pagar\u00e1 \u00e9l:<\/span> \r\n                    <span id=\"mp-cliTotal\" style=\"font-weight: bold;\">$0.00<\/span>\r\n                <\/div>\r\n                <div class=\"info-row\">\r\n                    <span>Queda en pagos de:<\/span> \r\n                    <span id=\"mp-cliMensual\" style=\"font-weight: bold;\">$0.00<\/span>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<script>\r\n    \/\/ Tasas oficiales de Mercado Pago para el vendedor (MSI)\r\n    const tasasMSI = {\r\n        3: 4.49, 6: 7.69, 9: 10.49, 12: 12.99, 18: 17.49, 24: 21.99\r\n    };\r\n    \r\n    \/\/ Tasas promedio aproximadas que se le cobran al COMPRADOR cuando \u00e9l absorbe el inter\u00e9s (MCI)\r\n    \/\/ Estas var\u00edan un poco seg\u00fan el banco, pero son excelentes para darle un estimado al cliente.\r\n    const tasasMCI = {\r\n        3: 5.50, 6: 10.50, 9: 15.00, 12: 20.00, 18: 28.00, 24: 36.00\r\n    };\r\n\r\n    function actualizarOpciones() {\r\n        const tipo = document.querySelector('input[name=\"tipo_financiamiento\"]:checked').value;\r\n        const grupoMeses = document.getElementById('grupo-meses');\r\n        const selectMeses = document.getElementById('mp-meses');\r\n        \r\n        if (tipo === 'normal') {\r\n            grupoMeses.style.display = 'none';\r\n        } else {\r\n            grupoMeses.style.display = 'block';\r\n            selectMeses.innerHTML = ''; \r\n            \r\n            const tasas = tipo === 'msi' ? tasasMSI : tasasMCI;\r\n            \r\n            for (const [meses, tasa] of Object.entries(tasas)) {\r\n                const option = document.createElement('option');\r\n                option.value = tasa;\r\n                option.dataset.meses = meses;\r\n                option.text = `${meses} Meses (${tasa}% recargo al ${tipo === 'msi' ? 'vendedor' : 'cliente'})`;\r\n                selectMeses.appendChild(option);\r\n            }\r\n        }\r\n        calcularMP();\r\n    }\r\n\r\n    function calcularMP() {\r\n        const precioInput = document.getElementById('mp-precio').value;\r\n        const precio = parseFloat(precioInput) || 0;\r\n        const tipo = document.querySelector('input[name=\"tipo_financiamiento\"]:checked').value;\r\n        const selectMeses = document.getElementById('mp-meses');\r\n        \r\n        let comisionBase = (precio * 0.0349) + 4.00;\r\n        let costoMsi = 0;\r\n        \r\n        let pagoClienteTotal = precio;\r\n        let pagoClienteMensual = precio;\r\n        let mostrarInfoCliente = false;\r\n\r\n        if (tipo !== 'normal') {\r\n            mostrarInfoCliente = true;\r\n            const tasa = parseFloat(selectMeses.value) || 0;\r\n            const meses = parseInt(selectMeses.options[selectMeses.selectedIndex].dataset.meses) || 1;\r\n\r\n            if (tipo === 'msi') {\r\n                \/\/ Meses Sin Intereses: El vendedor paga el porcentaje extra.\r\n                costoMsi = precio * (tasa \/ 100);\r\n                pagoClienteTotal = precio;\r\n                pagoClienteMensual = precio \/ meses;\r\n            } else if (tipo === 'mci') {\r\n                \/\/ Meses Con Intereses: El vendedor NO paga extra. El cliente absorbe el inter\u00e9s.\r\n                costoMsi = 0; \r\n                pagoClienteTotal = precio * (1 + (tasa \/ 100));\r\n                pagoClienteMensual = pagoClienteTotal \/ meses;\r\n            }\r\n        }\r\n\r\n        const subtotalComisiones = comisionBase + costoMsi;\r\n        const iva = subtotalComisiones * 0.16;\r\n        \r\n        const comisionTotal = subtotalComisiones + iva;\r\n        const neto = precio - comisionTotal;\r\n\r\n        \/\/ Formatear a moneda\r\n        const formatter = new Intl.NumberFormat('es-MX', { style: 'currency', currency: 'MXN' });\r\n\r\n        document.getElementById('mp-resBase').innerText = formatter.format(comisionBase);\r\n        document.getElementById('mp-resMsi').innerText = formatter.format(costoMsi);\r\n        document.getElementById('mp-resIva').innerText = formatter.format(iva);\r\n        document.getElementById('mp-resComisionTotal').innerText = '-' + formatter.format(comisionTotal);\r\n        document.getElementById('mp-resNeto').innerText = formatter.format(Math.max(0, neto));\r\n\r\n        \/\/ Actualizar la caja de informaci\u00f3n del cliente\r\n        const infoClienteDiv = document.getElementById('info-cliente');\r\n        if (mostrarInfoCliente) {\r\n            infoClienteDiv.style.display = 'block';\r\n            document.getElementById('mp-cliTotal').innerText = formatter.format(pagoClienteTotal);\r\n            document.getElementById('mp-cliMensual').innerText = formatter.format(pagoClienteMensual);\r\n        } else {\r\n            infoClienteDiv.style.display = 'none';\r\n        }\r\n    }\r\n\r\n    \/\/ Inicializamos las opciones al cargar la p\u00e1gina por primera vez\r\n    document.addEventListener(\"DOMContentLoaded\", () => {\r\n        actualizarOpciones();\r\n    });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulador de pagos \ud83d\udcb3 Calculadora Mercado Pago Precio de tu producto ($ MXN): Tipo de cobro: Cobro normal (1 pago) Meses Sin Intereses (T\u00fa absorbes la comisi\u00f3n) Meses Con Intereses (El cliente paga el recargo) Selecciona el plazo: Calcular Comisiones Comisi\u00f3n Base (3.49% + $4) $0.00 Costo por Meses $0.00 IVA comisiones (16%) $0.00 Comisi\u00f3n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-2258","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/pages\/2258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/comments?post=2258"}],"version-history":[{"count":13,"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/pages\/2258\/revisions"}],"predecessor-version":[{"id":2504,"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/pages\/2258\/revisions\/2504"}],"wp:attachment":[{"href":"https:\/\/alineasanpancho.com\/es\/wp-json\/wp\/v2\/media?parent=2258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}