{"id":59465,"date":"2026-04-09T09:00:10","date_gmt":"2026-04-09T14:00:10","guid":{"rendered":"https:\/\/24five.com\/cetes-simuator\/"},"modified":"2026-06-26T16:19:22","modified_gmt":"2026-06-26T21:19:22","slug":"cetes-simuator","status":"publish","type":"page","link":"https:\/\/24five.com\/en\/cetes-simuator\/","title":{"rendered":"Cetes Simuator"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nCETES Simulator: Calculate Your Real Return | 24five<\/title>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n * { margin: 0; padding: 0; box-sizing: border-box; }\r\n\r\n body {\r\n font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;\r\n background: #f4f6fa;\r\n color: #1a2634;\r\n line-height: 1.7;\r\n }\r\n\r\n \/* ====== HERO ====== *\/\r\n .hero-section {\r\n background: linear-gradient(145deg, #1f5180 0%, #0a304e 60%, #072438 100%);\r\n color: white;\r\n padding: 60px 20px 50px;\r\n text-align: center;\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n .hero-section::before {\r\n content: '';\r\n position: absolute;\r\n top: -50%; left: -50%;\r\n width: 200%; height: 200%;\r\n background: radial-gradient(circle at 30% 50%, rgba(255,179,71,0.1) 0%, transparent 50%),\r\n radial-gradient(circle at 70% 80%, rgba(255,217,102,0.06) 0%, transparent 40%);\r\n pointer-events: none;\r\n }\r\n .hero-section .container { position: relative; z-index: 1; max-width: 750px; margin: 0 auto; }\r\n .hero-badge {\r\n display: inline-block;\r\n background: rgba(255,179,71,0.2);\r\n color: #ffd966;\r\n font-size: 0.8rem;\r\n font-weight: 600;\r\n text-transform: uppercase;\r\n letter-spacing: 1.5px;\r\n padding: 6px 16px;\r\n border-radius: 50px;\r\n margin-bottom: 20px;\r\n border: 1px solid rgba(255,179,71,0.25);\r\n }\r\n .hero-section h1,\r\n .hero-section .elementor-widget-container h1,\r\n .elementor-widget-container .hero-section h1 {\r\n font-size: clamp(2rem, 5vw, 2.8rem) !important;\r\n font-weight: 800 !important;\r\n letter-spacing: -0.03em;\r\n margin-bottom: 16px;\r\n line-height: 1.2;\r\n color: #ffffff !important;\r\n }\r\n .hero-section h1 span { color: #ffd966 !important; }\r\n .hero-section p {\r\n font-size: 1.05rem;\r\n opacity: 0.8;\r\n max-width: 600px;\r\n margin: 0 auto;\r\n line-height: 1.6;\r\n }\r\n\r\n \/* ====== CONTAINER ====== *\/\r\n .page-container {\r\n max-width: 900px;\r\n margin: 0 auto;\r\n padding: 0 20px 60px;\r\n }\r\n\r\n \/* ====== SECTION CARDS ====== *\/\r\n .section-card {\r\n background: white;\r\n border-radius: 24px;\r\n padding: 35px 30px;\r\n margin-top: 25px;\r\n box-shadow: 0 10px 25px -8px rgba(0,20,50,0.08);\r\n border: 1px solid rgba(0,60,130,0.06);\r\n }\r\n .section-card:first-of-type {\r\n margin-top: -30px;\r\n position: relative;\r\n z-index: 2;\r\n box-shadow: 0 20px 35px -10px rgba(0,20,50,0.1);\r\n }\r\n .section-card h2,\r\n .section-card .section-title,\r\n .elementor-widget-container .section-card h2,\r\n .elementor-widget-container .section-card .section-title {\r\n font-size: 1.4rem !important;\r\n font-weight: 700 !important;\r\n color: #0b2b40 !important;\r\n margin-bottom: 16px;\r\n letter-spacing: -0.02em;\r\n display: flex;\r\n align-items: center;\r\n gap: 10px;\r\n }\r\n .icon-circle {\r\n width: 36px; height: 36px;\r\n background: linear-gradient(135deg, #1f5180, #3a8fd4);\r\n border-radius: 50%;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n font-size: 1rem;\r\n flex-shrink: 0;\r\n }\r\n .section-card p {\r\n font-size: 0.95rem;\r\n color: #5a6b7b;\r\n margin-bottom: 14px;\r\n }\r\n .section-card p strong { color: #1a2634; }\r\n\r\n .highlight-box {\r\n background: rgba(255,179,71,0.06);\r\n border-left: 3px solid #ffb347;\r\n border-radius: 0 12px 12px 0;\r\n padding: 16px 20px;\r\n margin: 20px 0;\r\n font-size: 0.92rem;\r\n color: #3a4b5e;\r\n }\r\n .highlight-box strong { color: #1f5180; }\r\n\r\n .highlight-box-blue {\r\n background: rgba(31,81,128,0.04);\r\n border-left: 3px solid #1f5180;\r\n border-radius: 0 12px 12px 0;\r\n padding: 16px 20px;\r\n margin: 20px 0;\r\n font-size: 0.92rem;\r\n color: #3a4b5e;\r\n }\r\n\r\n \/* ====== TABLES ====== *\/\r\n .cetes-table {\r\n width: 100%;\r\n border-collapse: separate;\r\n border-spacing: 0;\r\n margin: 20px 0;\r\n border-radius: 16px;\r\n overflow: hidden;\r\n border: 1px solid #e2e8f0;\r\n display: block;\r\n overflow-x: auto;\r\n }\r\n .cetes-table thead { background: #0a304e; color: white; }\r\n .cetes-table th {\r\n padding: 14px 16px;\r\n font-size: 0.78rem;\r\n text-transform: uppercase;\r\n letter-spacing: 0.5px;\r\n font-weight: 600;\r\n text-align: left;\r\n white-space: nowrap;\r\n }\r\n .cetes-table td {\r\n padding: 13px 16px;\r\n font-size: 0.9rem;\r\n color: #3a4b5e;\r\n border-bottom: 1px solid #f0f3f7;\r\n white-space: nowrap;\r\n }\r\n .cetes-table tbody tr:last-child td { border-bottom: none; }\r\n .cetes-table tbody tr:nth-child(even) { background: #f9fafc; }\r\n .cetes-table .mono { font-family: 'Inter', monospace; font-weight: 600; color: #1a2634; }\r\n .cetes-table .gold { color: #b8860b; font-weight: 600; }\r\n\r\n @media (max-width: 600px) {\r\n .cetes-table { display: block; border: none; border-radius: 0; overflow: visible; }\r\n .cetes-table thead { display: none; }\r\n .cetes-table tbody { display: flex; flex-direction: column; gap: 10px; }\r\n .cetes-table tbody tr {\r\n display: flex; flex-direction: column;\r\n background: #f9fafc; border: 1px solid #e2e8f0;\r\n border-radius: 14px; padding: 16px; gap: 6px;\r\n }\r\n .cetes-table tbody tr:nth-child(even) { background: #f4f6fa; }\r\n .cetes-table td {\r\n display: flex; justify-content: space-between; align-items: center;\r\n padding: 4px 0; border-bottom: 1px solid #eef1f5;\r\n white-space: normal; font-size: 0.88rem;\r\n }\r\n .cetes-table td:last-child { border-bottom: none; }\r\n .cetes-table td::before {\r\n content: attr(data-label);\r\n font-size: 0.75rem; font-weight: 600;\r\n text-transform: uppercase; letter-spacing: 0.3px;\r\n color: #8a99ab; flex-shrink: 0; margin-right: 12px;\r\n }\r\n }\r\n\r\n \/* ====== STEPS ====== *\/\r\n .steps-grid { display: grid; gap: 16px; margin-top: 20px; }\r\n .step-item {\r\n display: flex; gap: 16px; align-items: flex-start;\r\n background: #f9fafc; border-radius: 16px;\r\n padding: 20px; border: 1px solid #e8ecf2;\r\n transition: all 0.2s ease;\r\n }\r\n .step-item:hover { border-color: #1f5180; box-shadow: 0 4px 12px rgba(31,81,128,0.08); }\r\n .step-number {\r\n width: 40px; height: 40px;\r\n background: linear-gradient(135deg, #1f5180, #3a8fd4);\r\n color: white; border-radius: 12px;\r\n display: flex; align-items: center; justify-content: center;\r\n font-weight: 700; font-size: 1.1rem; flex-shrink: 0;\r\n }\r\n .step-content h4 { font-size: 1rem; font-weight: 600; color: #0b2b40; margin-bottom: 4px; }\r\n .step-content p { font-size: 0.88rem; color: #5a6b7b; margin: 0; }\r\n\r\n \/* ====== EXAMPLE BOX ====== *\/\r\n .example-box {\r\n background: linear-gradient(135deg, rgba(255,179,71,0.06), rgba(255,179,71,0.02));\r\n border: 1px solid rgba(255,179,71,0.2);\r\n border-radius: 16px; padding: 22px; margin: 20px 0;\r\n }\r\n .example-box h4 { color: #0b2b40; font-size: 0.95rem; font-weight: 700; margin-bottom: 10px; display: flex; align-items: center; gap: 8px; }\r\n .example-box p { font-size: 0.9rem; color: #3a4b5e; margin-bottom: 8px; }\r\n .example-box p:last-child { margin-bottom: 0; }\r\n .result-inline {\r\n background: #0a304e; color: #ffd966;\r\n display: inline-block; padding: 4px 12px;\r\n border-radius: 8px; font-weight: 700; font-size: 0.95rem;\r\n }\r\n\r\n \/* ====== BENEFITS GRID ====== *\/\r\n .ventajas-grid {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));\r\n gap: 14px;\r\n margin-top: 18px;\r\n }\r\n .ventaja-card {\r\n background: #f9fafc;\r\n border: 1px solid #e8ecf2;\r\n border-radius: 16px;\r\n padding: 20px;\r\n text-align: center;\r\n transition: all 0.2s;\r\n }\r\n .ventaja-card:hover { border-color: #ffb347; box-shadow: 0 4px 12px rgba(255,179,71,0.1); }\r\n .ventaja-icon { font-size: 1.8rem; margin-bottom: 8px; }\r\n .ventaja-card h4 { font-size: 0.95rem; font-weight: 600; color: #0b2b40; margin-bottom: 4px; }\r\n .ventaja-card p { font-size: 0.84rem; color: #5a6b7b; margin: 0; }\r\n\r\n \/* ====== CALCULATOR SECTION ====== *\/\r\n .calculator-section { margin-top: 25px; }\r\n .calculator-section > h2,\r\n .elementor-widget-container .calculator-section > h2 {\r\n font-size: 1.5rem !important;\r\n font-weight: 700 !important;\r\n color: #0b2b40 !important;\r\n text-align: center;\r\n margin-bottom: 6px;\r\n }\r\n .calculator-section > p { text-align: center; font-size: 0.92rem; color: #5a6b7b; margin-bottom: 25px; }\r\n\r\n \/* ====== CALCULATOR EMBED ====== *\/\r\n .cetes-calculator-24five {\r\n background: linear-gradient(145deg, #ffffff 0%, #f4f7fb 100%);\r\n border-radius: 28px; padding: 30px 28px;\r\n max-width: 520px; margin: 0 auto;\r\n box-shadow: 0 25px 40px -15px rgba(0,40,80,0.2);\r\n border: 1px solid rgba(0,70,150,0.1);\r\n }\r\n .cetes-header { display: flex; align-items: center; gap: 10px; margin-bottom: 5px; flex-wrap: wrap; }\r\n .cetes-header h3,\r\n .elementor-widget-container .cetes-header h3 {\r\n font-size: 1.8rem !important; font-weight: 650 !important;\r\n margin: 0; color: #0b2b40 !important; letter-spacing: -0.02em;\r\n }\r\n .cetes-badge {\r\n background: #e8cfa0; color: #5e3c0e;\r\n font-size: 0.75rem; font-weight: 700;\r\n padding: 4px 10px; border-radius: 40px;\r\n text-transform: uppercase; letter-spacing: 0.5px;\r\n }\r\n .cetes-sub {\r\n font-size: 0.95rem; color: #3c5a70;\r\n margin-bottom: 25px; display: flex;\r\n align-items: center; gap: 8px; flex-wrap: wrap;\r\n }\r\n .cetes-sub span {\r\n background: #d4e2f0; padding: 3px 8px;\r\n border-radius: 30px; font-size: 0.8rem;\r\n font-weight: 600; color: #0b4b7a;\r\n }\r\n .cetes-input-group { margin-bottom: 22px; }\r\n .cetes-input-group label {\r\n display: flex; align-items: center; gap: 5px;\r\n font-size: 0.9rem; font-weight: 550; color: #1f3a4c; margin-bottom: 8px;\r\n }\r\n .cetes-input-group input,\r\n .cetes-input-group select {\r\n width: 100%; padding: 14px 18px;\r\n background: white; border: 2px solid #dde5ed;\r\n border-radius: 18px; font-size: 1rem;\r\n font-weight: 500; color: #102331;\r\n transition: 0.2s; font-family: 'Inter', monospace;\r\n }\r\n .cetes-input-group input:focus,\r\n .cetes-input-group select:focus {\r\n border-color: #1f77b4;\r\n box-shadow: 0 0 0 5px rgba(31,119,180,0.15);\r\n outline: none;\r\n }\r\n .cetes-input-group select {\r\n cursor: pointer; appearance: none;\r\n background-image: url('data:image\/svg+xml;utf8,<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"%233a4b5e\" stroke-width=\"2\"><polyline points=\"6 9 12 15 18 9\"\/><\/svg>');\r\n background-repeat: no-repeat;\r\n background-position: right 16px center;\r\n background-size: 16px;\r\n }\r\n .cetes-input-group input[type=\"number\"] { -moz-appearance: textfield; }\r\n .cetes-input-group input[type=\"number\"]::-webkit-outer-spin-button,\r\n .cetes-input-group input[type=\"number\"]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }\r\n .cetes-row { display: flex; gap: 15px; flex-wrap: wrap; }\r\n .cetes-row .cetes-input-group { flex: 1; min-width: 140px; }\r\n .cetes-result-box {\r\n background: linear-gradient(125deg, #1f5180, #0a304e);\r\n color: white; border-radius: 22px;\r\n padding: 22px 20px; margin: 25px 0 20px 0;\r\n box-shadow: 0 15px 25px -10px #0a304e;\r\n }\r\n .cetes-result-grid {\r\n display: flex; justify-content: space-between;\r\n flex-wrap: wrap; gap: 15px; margin-bottom: 15px;\r\n }\r\n .cetes-result-item { flex: 1; min-width: 100px; text-align: center; }\r\n .cetes-result-label {\r\n font-size: 0.75rem; text-transform: uppercase;\r\n opacity: 0.7; letter-spacing: 1px; margin-bottom: 6px;\r\n }\r\n .cetes-result-valor { font-size: 1.7rem; font-weight: 700; line-height: 1.2; }\r\n .cetes-result-valor small { font-size: 0.9rem; font-weight: 400; opacity: 0.8; }\r\n .cetes-divider { height: 1px; background: rgba(255,255,255,0.2); margin: 15px 0; }\r\n .cetes-detalle {\r\n display: flex; justify-content: space-between;\r\n font-size: 0.9rem; opacity: 0.9; margin-bottom: 5px;\r\n }\r\n .cetes-grafica {\r\n background: rgba(255,255,255,0.08);\r\n border-radius: 18px; padding: 18px;\r\n margin-top: 15px; text-align: center;\r\n font-size: 0.9rem; border: 1px dashed rgba(255,255,255,0.3);\r\n }\r\n .cetes-grafica-barra {\r\n background: #ffd966; height: 12px;\r\n border-radius: 30px; margin: 12px 0 6px 0;\r\n width: 0%; max-width: 100%; transition: width 0.4s ease;\r\n }\r\n .cetes-note {\r\n background: #ebf3fa; border-radius: 16px;\r\n padding: 15px; font-size: 0.85rem; color: #1f3a57;\r\n display: flex; gap: 10px; align-items: flex-start;\r\n margin-top: 18px; border-left: 4px solid #ffb347;\r\n }\r\n .cetes-btn {\r\n background: #ffb347; color: #1e2f3d;\r\n border: none; width: 100%; padding: 16px;\r\n font-size: 1.2rem; font-weight: 700;\r\n border-radius: 60px; cursor: pointer;\r\n transition: 0.2s; margin: 8px 0 0 0;\r\n box-shadow: 0 10px 18px -8px #b2721a;\r\n font-family: 'Inter', sans-serif;\r\n }\r\n .cetes-btn:hover { background: #ffa42b; transform: translateY(-1px); box-shadow: 0 14px 24px -8px rgba(178,114,26,0.4); }\r\n\r\n \/* ====== FAQ ====== *\/\r\n .faq-item {\r\n background: #f9fafc; border: 1px solid #e8ecf2;\r\n border-radius: 16px; margin-bottom: 10px;\r\n overflow: hidden; transition: all 0.2s;\r\n }\r\n .faq-item:hover { border-color: #c8d4e0; }\r\n .faq-question {\r\n padding: 18px 20px; font-size: 0.95rem;\r\n font-weight: 600; color: #0b2b40;\r\n cursor: pointer; display: flex;\r\n justify-content: space-between; align-items: center;\r\n user-select: none;\r\n }\r\n .faq-question .faq-toggle {\r\n width: 28px; height: 28px;\r\n background: white; border-radius: 50%;\r\n display: flex; align-items: center; justify-content: center;\r\n font-size: 1.1rem; color: #1f5180; flex-shrink: 0;\r\n transition: transform 0.3s;\r\n box-shadow: 0 2px 6px rgba(0,0,0,0.06);\r\n }\r\n .faq-item.active .faq-toggle { transform: rotate(45deg); }\r\n .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease; }\r\n .faq-item.active .faq-answer { max-height: 350px; padding: 0 20px 18px; }\r\n .faq-answer p { font-size: 0.9rem; color: #5a6b7b; margin: 0; }\r\n\r\n \/* ====== CTA ====== *\/\r\n .cta-section {\r\n background: linear-gradient(135deg, #1f5180, #0a304e);\r\n border-radius: 24px; padding: 40px 30px;\r\n margin-top: 25px; text-align: center;\r\n color: white; position: relative; overflow: hidden;\r\n }\r\n .cta-section::before {\r\n content: '';\r\n position: absolute; top: -40%; right: -20%;\r\n width: 300px; height: 300px;\r\n background: radial-gradient(circle, rgba(255,217,102,0.1) 0%, transparent 70%);\r\n pointer-events: none;\r\n }\r\n .cta-section h2,\r\n .elementor-widget-container .cta-section h2 {\r\n font-size: 1.5rem !important; font-weight: 700 !important;\r\n margin-bottom: 10px; position: relative; color: #ffffff !important;\r\n }\r\n .cta-section p {\r\n font-size: 0.95rem; opacity: 0.8;\r\n margin-bottom: 22px; max-width: 500px;\r\n margin-left: auto; margin-right: auto; position: relative;\r\n }\r\n .cta-btn {\r\n display: inline-block; background: #ffb347;\r\n color: #0a304e; padding: 16px 40px;\r\n border-radius: 60px; font-weight: 700;\r\n font-size: 1rem; text-decoration: none;\r\n transition: all 0.2s;\r\n box-shadow: 0 8px 20px -6px rgba(255,179,71,0.4);\r\n position: relative;\r\n }\r\n .cta-btn:hover { transform: translateY(-2px); box-shadow: 0 12px 28px -6px rgba(255,179,71,0.5); }\r\n\r\n \/* ====== RESPONSIVE ====== *\/\r\n @media (max-width: 600px) {\r\n .hero-section { padding: 45px 16px 40px; }\r\n .section-card { padding: 24px 20px; }\r\n .cetes-calculator-24five { padding: 22px 18px; }\r\n .cetes-result-valor { font-size: 1.3rem; }\r\n .ventajas-grid { grid-template-columns: 1fr; }\r\n }\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<!-- ====== HERO ====== -->\r\n<section class=\"hero-section\">\r\n <div class=\"container\">\r\n <div class=\"hero-badge\">Free tool<\/div>\r\n <h1><span>CETES<\/span> Simulator in Mexico<\/h1>\r\n <p>Calculate how much you'll really earn investing in CETES, with taxes already deducted. No surprises, no fine print.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n<div class=\"page-container\">\r\n\r\n <!-- ====== INTRO ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\ud83c\udfaf<\/span> What is this simulator for?<\/h2>\r\n <p>If you're thinking about investing in CETES but don't know how much you'll earn after taxes, this simulator is for you. Most calculators only show the <strong>gross return<\/strong>, but here we show the <strong>real net gain<\/strong> \u2014 what actually reaches your pocket.<\/p>\r\n <p>You only need three pieces of data: how much you want to invest, for how long, and the current rate. The simulator does the rest.<\/p>\r\n <div class=\"highlight-box\">\r\n <strong>Who is this for?<\/strong> For anyone in Mexico looking to start investing safely, from as little as $100 MXN, who wants to know exactly how much they'll earn before committing their money.\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== WHAT ARE CETES? ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\ud83c\udfdb\ufe0f<\/span> What are CETES?<\/h2>\r\n <p><strong>CETES<\/strong> (Certificados de la Tesorer\u00eda de la Federaci\u00f3n) are debt instruments issued by the <strong>Government of Mexico<\/strong>. When you buy CETES, you're essentially lending money to the government, which pays you back with interest at the end of the term.<\/p>\r\n <p>They're considered the safest investment in Mexico because they're backed by the federal government. There's no risk of losing your money (except in an extreme sovereign default situation, which is very unlikely).<\/p>\r\n\r\n <div class=\"ventajas-grid\">\r\n <div class=\"ventaja-card\">\r\n <div class=\"ventaja-icon\">\ud83d\udee1\ufe0f<\/div>\r\n <h4>Maximum safety<\/h4>\r\n <p>Backed by the Federal Government of Mexico<\/p>\r\n <\/div>\r\n <div class=\"ventaja-card\">\r\n <div class=\"ventaja-icon\">\ud83d\udcb5<\/div>\r\n <h4>From $100 MXN<\/h4>\r\n <p>Minimum investment accessible to anyone<\/p>\r\n <\/div>\r\n <div class=\"ventaja-card\">\r\n <div class=\"ventaja-icon\">\ud83d\udcc5<\/div>\r\n <h4>Flexible terms<\/h4>\r\n <p>28, 91, 182 or 364 days based on your needs<\/p>\r\n <\/div>\r\n <div class=\"ventaja-card\">\r\n <div class=\"ventaja-icon\">\ud83d\udcf1<\/div>\r\n <h4>100% online<\/h4>\r\n <p>Buy through CetesDirecto without leaving home<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== HOW DO THEY WORK? ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\u2699\ufe0f<\/span> How do CETES work?<\/h2>\r\n <p>The mechanism is simpler than it seems. CETES are purchased at a <strong>discounted price<\/strong> and at maturity you receive the full value ($10 MXN per unit). The difference between what you paid and the $10 is your gain.<\/p>\r\n\r\n <div class=\"example-box\">\r\n <h4>\ud83d\udcdd Simple example<\/h4>\r\n <p>Suppose the rate is <strong>10.50% per year<\/strong> and you buy CETES for <strong>91 days<\/strong>:<\/p>\r\n <p>Each unit is purchased at <strong>$9.74 MXN<\/strong> and at maturity you receive <strong>$10.00 MXN<\/strong>.<\/p>\r\n <p>If you invest $10,000 MXN, you buy approximately 1,027 units and at the end receive <span class=\"result-inline\">\u2248 $10,262 MXN gross<\/span><\/p>\r\n <\/div>\r\n\r\n <div class=\"highlight-box-blue\">\r\n <strong>Important:<\/strong> The published rate is the <strong>gross annual rate<\/strong>. Your actual return will be lower because <strong>income tax (ISR)<\/strong> is deducted from the interest earned. That's why we created this simulator: so you can see the net figure.\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== TERMS ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\ud83d\udcc6<\/span> Available terms<\/h2>\r\n <p>CETES are auctioned weekly and you can choose from four terms. Each has its advantages depending on your financial goals:<\/p>\r\n\r\n <table class=\"cetes-table\">\r\n <thead>\r\n <tr>\r\n <th>Term<\/th>\r\n <th>Duration<\/th>\r\n <th>Ideal for<\/th>\r\n <th>Liquidity<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td data-label=\"Term\" class=\"mono\">28 days<\/td>\r\n <td data-label=\"Duration\">~1 month<\/td>\r\n <td data-label=\"Ideal for\">Emergency fund or money you need soon<\/td>\r\n <td data-label=\"Liquidity\" class=\"gold\">\u2b50 Very high<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Term\" class=\"mono\">91 days<\/td>\r\n <td data-label=\"Duration\">~3 months<\/td>\r\n <td data-label=\"Ideal for\">Short-term savings, better return than 28d<\/td>\r\n <td data-label=\"Liquidity\" class=\"gold\">\u2b50 High<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Term\" class=\"mono\">182 days<\/td>\r\n <td data-label=\"Duration\">~6 months<\/td>\r\n <td data-label=\"Ideal for\">Medium-term goals (trip, purchase)<\/td>\r\n <td data-label=\"Liquidity\">Medium<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Term\" class=\"mono\">364 days<\/td>\r\n <td data-label=\"Duration\">~1 year<\/td>\r\n <td data-label=\"Ideal for\">Maximize return, long-term savings<\/td>\r\n <td data-label=\"Liquidity\">Low<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n\r\n <div class=\"highlight-box\">\r\n \ud83d\udca1 <strong>Tip:<\/strong> If you're unsure when you'll need your money, start with 28-day CETES. You can set up <strong>automatic reinvestment<\/strong> on CetesDirecto so your money keeps earning returns without you having to do anything.\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== TAXES ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\ud83e\uddfe<\/span> How much is withheld in taxes?<\/h2>\r\n <p>This is the topic that confuses beginners the most. When you earn interest with CETES, the government automatically withholds taxes. You don't have to do anything, but it's worth understanding how it works:<\/p>\r\n\r\n <table class=\"cetes-table\">\r\n <thead>\r\n <tr>\r\n <th>Concept<\/th>\r\n <th>Percentage<\/th>\r\n <th>Applied on<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td data-label=\"Concept\"><strong>Provisional ISR withholding<\/strong><\/td>\r\n <td data-label=\"Percentage\" class=\"mono\">0.15%<\/td>\r\n <td data-label=\"Applied on\">On the invested capital (total amount)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Concept\"><strong>ISR on interest<\/strong><\/td>\r\n <td data-label=\"Percentage\" class=\"mono\">~30%<\/td>\r\n <td data-label=\"Applied on\">On the gain (interest earned)<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n\r\n <p>Our simulator already includes both deductions so you can see the <strong>real net gain<\/strong> \u2014 what you actually receive after taxes.<\/p>\r\n\r\n <div class=\"highlight-box\">\r\n \u26a0\ufe0f <strong>Note:<\/strong> ISR percentages may change each fiscal year. The values used in this simulator are approximate and for reference only. For exact figures, consult your accountant or check the current SAT regulations.\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== HOW TO USE ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\ud83e\udded<\/span> How to use the simulator?<\/h2>\r\n <p>You only need 30 seconds and three pieces of data:<\/p>\r\n\r\n <div class=\"steps-grid\">\r\n <div class=\"step-item\">\r\n <div class=\"step-number\">1<\/div>\r\n <div class=\"step-content\">\r\n <h4>Enter your amount<\/h4>\r\n <p>How much money do you want to invest? You can start from $100 MXN. Enter the amount in Mexican pesos.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-item\">\r\n <div class=\"step-number\">2<\/div>\r\n <div class=\"step-content\">\r\n <h4>Choose the term<\/h4>\r\n <p>Select between 28, 91, 182, or 364 days. Generally, the longer the term, the higher the return.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"step-item\">\r\n <div class=\"step-number\">3<\/div>\r\n <div class=\"step-content\">\r\n <h4>Enter the gross annual rate<\/h4>\r\n <p>Check the current rate on <strong>CetesDirecto<\/strong> or Banxico. Change it to simulate different scenarios.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"example-box\">\r\n <h4>\ud83d\udcdd Example with the simulator<\/h4>\r\n <p><strong>Amount:<\/strong> $50,000 MXN \u00b7 <strong>Term:<\/strong> 182 days \u00b7 <strong>Rate:<\/strong> 10.50%<\/p>\r\n <p><strong>Gross gain:<\/strong> $2,654 MXN<\/p>\r\n <p><strong>ISR withheld:<\/strong> -$871 MXN<\/p>\r\n <p><strong>Net gain:<\/strong> <span class=\"result-inline\">$1,783 MXN<\/span><\/p>\r\n <p>Your money would grow from $50,000 to <strong>$51,783 MXN<\/strong> in 6 months, without doing absolutely anything.<\/p>\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== CALCULATOR ====== -->\r\n <section class=\"calculator-section\">\r\n <h2>\u26a1 Simulate your investment now<\/h2>\r\n <p>Enter your details and get the result instantly.<\/p>\r\n\r\n <div class=\"cetes-calculator-24five\">\r\n <div class=\"cetes-header\">\r\n <h3>\ud83c\uddf2\ud83c\uddfd CETES Simulator<\/h3>\r\n <div class=\"cetes-badge\">Net + Tax<\/div>\r\n <\/div>\r\n <div class=\"cetes-sub\">\r\n <span>Real return<\/span> Calculate what you'll earn after taxes\r\n <\/div>\r\n\r\n <div class=\"cetes-input-group\">\r\n <label>\ud83d\udcb0 Amount to invest<\/label>\r\n <input type=\"number\" id=\"montoCetes\" value=\"10000\" min=\"100\" step=\"100\" placeholder=\"$ MXN\">\r\n <\/div>\r\n\r\n <div class=\"cetes-row\">\r\n <div class=\"cetes-input-group\">\r\n <label>\ud83d\udcc6 Term (days)<\/label>\r\n <select id=\"plazoDias\">\r\n <option value=\"28\">28 days<\/option>\r\n <option value=\"91\" selected>91 days (3 months)<\/option>\r\n <option value=\"182\">182 days (6 months)<\/option>\r\n <option value=\"364\">364 days (1 year)<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"cetes-input-group\">\r\n <label>\ud83d\udcc8 Gross annual rate %<\/label>\r\n <input type=\"number\" id=\"tasaCetes\" value=\"10.50\" step=\"0.05\" min=\"0.1\" placeholder=\"%\">\r\n <\/div>\r\n <\/div>\r\n\r\n <button class=\"cetes-btn\" id=\"calcularCetes\">\ud83d\udd01 Calculate return<\/button>\r\n\r\n <div class=\"cetes-result-box\" id=\"resultadoCetesBox\">\r\n <div class=\"cetes-result-grid\">\r\n <div class=\"cetes-result-item\">\r\n <div class=\"cetes-result-label\">Gross gain<\/div>\r\n <div class=\"cetes-result-valor\" id=\"gananciaBruta\">$0.00<\/div>\r\n <\/div>\r\n <div class=\"cetes-result-item\">\r\n <div class=\"cetes-result-label\">Tax withheld<\/div>\r\n <div class=\"cetes-result-valor\" id=\"isrRetenido\">-$0.00<\/div>\r\n <\/div>\r\n <div class=\"cetes-result-item\">\r\n <div class=\"cetes-result-label\">Net gain<\/div>\r\n <div class=\"cetes-result-valor\" id=\"gananciaNeta\">$0.00<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"cetes-divider\"><\/div>\r\n <div class=\"cetes-detalle\">\r\n <span>Final amount (net):<\/span>\r\n <strong id=\"montoFinal\">$0.00<\/strong>\r\n <\/div>\r\n\r\n <div class=\"cetes-grafica\">\r\n <span>\u2696\ufe0f ISR withholding applied<\/span>\r\n <div style=\"background:rgba(255,255,255,0.2); border-radius:30px;\">\r\n <div class=\"cetes-grafica-barra\" id=\"barraIsr\" style=\"width:0%;\"><\/div>\r\n <\/div>\r\n <div style=\"display:flex; justify-content:space-between; font-size:0.8rem; margin-top:5px;\">\r\n <span>0%<\/span>\r\n <span>100%<\/span>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"cetes-note\">\r\n <span>\ud83c\uddf2\ud83c\uddfd\ud83d\udca1<\/span>\r\n <div><strong>Remember:<\/strong> CETES withhold 0.15% on capital plus ISR on interest. This simulator uses approximate values to give you a realistic reference. For exact figures, consult your accountant.<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== CETES VS OTHER OPTIONS ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\u2694\ufe0f<\/span> CETES vs other options<\/h2>\r\n <p>How do CETES compare to other ways of saving or investing in Mexico? Here's a quick comparison:<\/p>\r\n\r\n <table class=\"cetes-table\">\r\n <thead>\r\n <tr>\r\n <th>Option<\/th>\r\n <th>Approx. return<\/th>\r\n <th>Risk<\/th>\r\n <th>Liquidity<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td data-label=\"Option\"><strong>CETES<\/strong><\/td>\r\n <td data-label=\"Return\" class=\"mono gold\">~10\u201311% per year<\/td>\r\n <td data-label=\"Risk\">Very low<\/td>\r\n <td data-label=\"Liquidity\">High<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Option\"><strong>Savings account<\/strong><\/td>\r\n <td data-label=\"Return\" class=\"mono\">~2\u20135% per year<\/td>\r\n <td data-label=\"Risk\">None<\/td>\r\n <td data-label=\"Liquidity\">Immediate<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Option\"><strong>Bank promissory note<\/strong><\/td>\r\n <td data-label=\"Return\" class=\"mono\">~7\u20139% per year<\/td>\r\n <td data-label=\"Risk\">Very low<\/td>\r\n <td data-label=\"Liquidity\">Low<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Option\"><strong>SOFIPOS<\/strong><\/td>\r\n <td data-label=\"Return\" class=\"mono\">~12\u201315% per year<\/td>\r\n <td data-label=\"Risk\">Low\u2013Medium<\/td>\r\n <td data-label=\"Liquidity\">Medium<\/td>\r\n <\/tr>\r\n <tr>\r\n <td data-label=\"Option\"><strong>Stock market<\/strong><\/td>\r\n <td data-label=\"Return\" class=\"mono\">Variable<\/td>\r\n <td data-label=\"Risk\">High<\/td>\r\n <td data-label=\"Liquidity\">High<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n\r\n <div class=\"highlight-box\">\r\n \ud83d\udca1 <strong>Bottom line:<\/strong> CETES are ideal if you're looking for safety and a return higher than a traditional savings account. They won't make you rich overnight, but your money won't lose value to inflation.\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== FAQ ====== -->\r\n <section class=\"section-card\">\r\n <h2 class=\"section-title\"><span class=\"icon-circle\">\u2753<\/span> Frequently asked questions<\/h2>\r\n\r\n <div class=\"faq-item active\">\r\n <div class=\"faq-question\">\r\n What is the minimum I can invest in CETES?\r\n <span class=\"faq-toggle\">+<\/span>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>You can start with as little as <strong>$100 MXN<\/strong> through the official platform <strong>CetesDirecto<\/strong> (cetesdirecto.com). No broker or intermediary needed \u2014 it's a federal government platform.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\">\r\n Can I lose money with CETES?\r\n <span class=\"faq-toggle\">+<\/span>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>In practice, <strong>no<\/strong>. CETES are backed by the Mexican Government. The only way to lose would be if the government defaulted, something that hasn't happened since 1982 and is extremely unlikely.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\">\r\n Can I withdraw my money before maturity?\r\n <span class=\"faq-toggle\">+<\/span>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Yes, you can sell your CETES before maturity on the secondary market through CetesDirecto. However, the price may vary and you could receive slightly more or less than expected. Ideally, wait until maturity to receive the full return.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\">\r\n Where can I find the current CETES rate?\r\n <span class=\"faq-toggle\">+<\/span>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Rates are updated every week at the Banxico auction. You can check them at <strong>cetesdirecto.com<\/strong> or on the Banco de M\u00e9xico website. The rate varies depending on the term and market conditions.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\">\r\n Do I need to report CETES on my annual tax return?\r\n <span class=\"faq-toggle\">+<\/span>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>If your annual interest exceeds <strong>$100,000 MXN<\/strong>, you are required to file an annual tax return. CetesDirecto automatically generates your tax certificate. If you don't exceed that amount, the provisional withholding is generally final.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\">\r\n Are the simulator results accurate?\r\n <span class=\"faq-toggle\">+<\/span>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>They are <strong>approximate<\/strong>. The simulator uses a simplified formula with 30% ISR on interest + 0.15% on capital. Actual amounts may vary slightly depending on the exact auction rate, business days, and current tax regulations.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/section>\r\n\r\n <!-- ====== CTA ====== -->\r\n <section class=\"cta-section\">\r\n <h2>Ready to grow your money?<\/h2>\r\n <p>Explore our financial tools and make informed decisions with 24five.<\/p>\r\n <a href=\"#\" class=\"cta-btn\">Explore more tools \u2192<\/a>\r\n <\/section>\r\n\r\n<\/div>\r\n\r\n<script>\r\n \/\/ --- CETES CALCULATOR ---\r\n const montoInput = document.getElementById('montoCetes');\r\n const plazoSelect = document.getElementById('plazoDias');\r\n const tasaInput = document.getElementById('tasaCetes');\r\n const calcularBtn = document.getElementById('calcularCetes');\r\n const gananciaBrutaSpan = document.getElementById('gananciaBruta');\r\n const isrRetenidoSpan = document.getElementById('isrRetenido');\r\n const gananciaNetaSpan = document.getElementById('gananciaNeta');\r\n const montoFinalSpan = document.getElementById('montoFinal');\r\n const barraIsr = document.getElementById('barraIsr');\r\n\r\n function calcularCetes() {\r\n let monto = parseFloat(montoInput.value) || 0;\r\n if (monto < 100) monto = 100;\r\n const plazoDias = parseInt(plazoSelect.value);\r\n const tasaAnual = parseFloat(tasaInput.value) || 0;\r\n\r\n const interesBruto = (monto * (tasaAnual \/ 100) * plazoDias) \/ 360;\r\n const isrSobreInteres = interesBruto * 0.30;\r\n const cuotaFija = monto * 0.0015;\r\n const isrTotal = isrSobreInteres + cuotaFija;\r\n const gananciaNeta = interesBruto - isrTotal;\r\n const montoFinal = monto + gananciaNeta;\r\n\r\n const fmt = new Intl.NumberFormat('es-MX', { style: 'currency', currency: 'MXN', minimumFractionDigits: 2 });\r\n\r\n gananciaBrutaSpan.innerText = fmt.format(interesBruto);\r\n isrRetenidoSpan.innerText = '-' + fmt.format(isrTotal);\r\n gananciaNetaSpan.innerText = fmt.format(gananciaNeta);\r\n montoFinalSpan.innerText = fmt.format(montoFinal);\r\n\r\n let pctIsr = (isrTotal \/ interesBruto) * 100;\r\n if (!isFinite(pctIsr) || pctIsr < 0) pctIsr = 0;\r\n if (pctIsr > 100) pctIsr = 100;\r\n barraIsr.style.width = pctIsr + '%';\r\n }\r\n\r\n calcularBtn.addEventListener('click', calcularCetes);\r\n montoInput.addEventListener('input', calcularCetes);\r\n plazoSelect.addEventListener('change', calcularCetes);\r\n tasaInput.addEventListener('input', calcularCetes);\r\n calcularCetes();\r\n\r\n \/\/ --- FAQ ---\r\n document.querySelectorAll('.faq-question').forEach(q => {\r\n q.addEventListener('click', () => {\r\n const item = q.parentElement;\r\n const wasActive = item.classList.contains('active');\r\n document.querySelectorAll('.faq-item').forEach(i => i.classList.remove('active'));\r\n if (!wasActive) item.classList.add('active');\r\n });\r\n });\r\n<\/script>\r\n\r\n<\/body>\r\n<\/html>\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>CETES Simulator: Calculate Your Real Return | 24five Free tool CETES Simulator in Mexico Calculate how much you’ll really earn investing in CETES, with taxes already deducted. No surprises, no fine print. \ud83c\udfaf What is this simulator for? If you’re thinking about investing in CETES but don’t know how much you’ll earn after taxes, this […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-59465","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cetes Simuator - 24 Five<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/24five.com\/simulador-de-cetes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cetes Simuator - 24 Five\" \/>\n<meta property=\"og:description\" content=\"CETES Simulator: Calculate Your Real Return | 24five Free tool CETES Simulator in Mexico Calculate how much you’ll really earn investing in CETES, with taxes already deducted. 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