{"id":4,"date":"2026-05-27T18:34:55","date_gmt":"2026-05-27T18:34:55","guid":{"rendered":"http:\/\/quieromejorpension.com\/?page_id=4"},"modified":"2026-05-27T18:34:55","modified_gmt":"2026-05-27T18:34:55","slug":"inicio","status":"publish","type":"page","link":"https:\/\/quieromejorpension.com\/","title":{"rendered":"Inicio"},"content":{"rendered":"<p><!-- HERO \u2014 fiel al dise\u00f1o del anuncio -->\n<section class=\"hero-ad\">\n\n  <!-- capa de puntos decorativos top-left -->\n  <div class=\"ad-dots ad-dots-tl\" aria-hidden=\"true\">\n    <svg width=\"80\" height=\"80\" viewBox=\"0 0 80 80\" fill=\"none\"><g opacity=\".35\"><circle cx=\"4\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"4\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"4\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"4\" cy=\"40\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"40\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"40\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"40\" r=\"2\" fill=\"#fff\"\/><\/g><\/svg>\n  <\/div>\n  <!-- capa de puntos decorativos top-right -->\n  <div class=\"ad-dots ad-dots-tr\" aria-hidden=\"true\">\n    <svg width=\"80\" height=\"80\" viewBox=\"0 0 80 80\" fill=\"none\"><g opacity=\".25\"><circle cx=\"4\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"4\" r=\"2\" fill=\"#fff\"\/><circle cx=\"4\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"16\" r=\"2\" fill=\"#fff\"\/><circle cx=\"4\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"16\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"28\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><circle cx=\"40\" cy=\"28\" r=\"2\" fill=\"#fff\"\/><\/g><\/svg>\n  <\/div>\n\n  <div class=\"ad-inner\">\n    <!-- IZQUIERDA: texto principal -->\n    <div class=\"ad-left\">\n\n      <!-- \u00edcono familia -->\n      <div class=\"ad-family-icon\" aria-hidden=\"true\">\n        <svg width=\"56\" height=\"56\" viewBox=\"0 0 56 56\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n          <circle cx=\"28\" cy=\"28\" r=\"27\" stroke=\"white\" stroke-width=\"1.5\" stroke-opacity=\".5\"\/>\n          <!-- escudo -->\n          <path d=\"M28 14 L38 18 L38 27 C38 33 33 38 28 40 C23 38 18 33 18 27 L18 18 Z\" stroke=\"white\" stroke-width=\"1.5\" fill=\"none\"\/>\n          <path d=\"M24 28 L27 31 L33 25\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n          <!-- persona izq -->\n          <circle cx=\"23\" cy=\"22\" r=\"3\" stroke=\"white\" stroke-width=\"1.2\" fill=\"none\"\/>\n          <path d=\"M18 34 C18 30 21 28 24 28\" stroke=\"white\" stroke-width=\"1.2\" stroke-linecap=\"round\" fill=\"none\"\/>\n          <!-- persona der -->\n          <circle cx=\"33\" cy=\"21\" r=\"3\" stroke=\"white\" stroke-width=\"1.2\" fill=\"none\"\/>\n          <path d=\"M38 34 C38 30 35 28 32 28\" stroke=\"white\" stroke-width=\"1.2\" stroke-linecap=\"round\" fill=\"none\"\/>\n        <\/svg>\n      <\/div>\n\n      <!-- headline -->\n      <div class=\"ad-headline\">\n        <span class=\"ad-h-como\">C\u00d3MO<\/span>\n        <span class=\"ad-h-mejorar\">MEJORAR<\/span>\n        <span class=\"ad-h-pension\">LA PENSI\u00d3N<\/span>\n        <div class=\"ad-redline\"><\/div>\n      <\/div>\n\n      <!-- subt\u00edtulo -->\n      <p class=\"ad-desc\">\n        Observatorio con informaci\u00f3n relevante para<br>\n        <strong>trabajadoras y trabajadores<\/strong>\n      <\/p>\n\n      <!-- tres pilares -->\n      <div class=\"ad-pillars\">\n        <div class=\"ad-pillar\">\n          <div class=\"ad-pillar-icon\">\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><polyline points=\"22 7 13.5 15.5 8.5 10.5 2 17\"\/><polyline points=\"16 7 22 7 22 13\"\/><\/svg>\n          <\/div>\n          <div class=\"ad-pillar-text\">INFORMACI\u00d3N<br><strong>CONFIABLE<\/strong><\/div>\n        <\/div>\n        <div class=\"ad-pillar-sep\"><\/div>\n        <div class=\"ad-pillar\">\n          <div class=\"ad-pillar-icon\">\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M4 19.5A2.5 2.5 0 0 1 6.5 17H20\"\/><path d=\"M6.5 2H20v20H6.5A2.5 2.5 0 0 1 4 19.5v-15A2.5 2.5 0 0 1 6.5 2z\"\/><\/svg>\n          <\/div>\n          <div class=\"ad-pillar-text\">RECURSOS<br><strong>\u00daTILES<\/strong><\/div>\n        <\/div>\n        <div class=\"ad-pillar-sep\"><\/div>\n        <div class=\"ad-pillar\">\n          <div class=\"ad-pillar-icon\">\n            <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg>\n          <\/div>\n          <div class=\"ad-pillar-text\">MEJORA<br><strong>TU FUTURO<\/strong><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- CENTRO: imagen pareja -->\n    <div class=\"ad-center\" aria-hidden=\"true\">\n      <!-- silueta pareja SVG ilustrativa -->\n      <div class=\"ad-couple-wrap\">\n        <svg class=\"ad-couple-svg\" viewBox=\"0 0 320 380\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n          <defs>\n            <radialGradient id=\"glow\" cx=\"50%\" cy=\"40%\" r=\"55%\">\n              <stop offset=\"0%\" stop-color=\"#8ec5fc\" stop-opacity=\".35\"\/>\n              <stop offset=\"100%\" stop-color=\"#8ec5fc\" stop-opacity=\"0\"\/>\n            <\/radialGradient>\n            <linearGradient id=\"bg2\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\">\n              <stop offset=\"0%\" stop-color=\"#2a3a6e\"\/>\n              <stop offset=\"100%\" stop-color=\"#4a2060\"\/>\n            <\/linearGradient>\n            <!-- clip para siluetas -->\n            <clipPath id=\"clip-m\"><ellipse cx=\"120\" cy=\"170\" rx=\"72\" ry=\"190\"\/><\/clipPath>\n            <clipPath id=\"clip-f\"><ellipse cx=\"205\" cy=\"180\" rx=\"65\" ry=\"185\"\/><\/clipPath>\n          <\/defs>\n          <!-- glow halo -->\n          <ellipse cx=\"200\" cy=\"140\" rx=\"120\" ry=\"140\" fill=\"url(#glow)\"\/>\n          <!-- hombre (fondo) -->\n          <!-- cabeza -->\n          <ellipse cx=\"175\" cy=\"95\" rx=\"40\" ry=\"45\" fill=\"#c4a882\"\/>\n          <!-- cabello gris -->\n          <ellipse cx=\"175\" cy=\"72\" rx=\"40\" ry=\"26\" fill=\"#a0a0a0\"\/>\n          <ellipse cx=\"145\" cy=\"85\" rx=\"15\" ry=\"18\" fill=\"#a0a0a0\"\/>\n          <ellipse cx=\"205\" cy=\"85\" rx=\"15\" ry=\"18\" fill=\"#a0a0a0\"\/>\n          <!-- barba -->\n          <ellipse cx=\"175\" cy=\"130\" rx=\"28\" ry=\"14\" fill=\"#9e9e9e\" opacity=\".6\"\/>\n          <!-- cara -->\n          <ellipse cx=\"165\" cy=\"105\" rx=\"5\" ry=\"6\" fill=\"#2a2a3a\" opacity=\".6\"\/>\n          <ellipse cx=\"185\" cy=\"105\" rx=\"5\" ry=\"6\" fill=\"#2a2a3a\" opacity=\".6\"\/>\n          <path d=\"M162 120 Q175 130 188 120\" stroke=\"#2a2a3a\" stroke-width=\"2.5\" fill=\"none\" stroke-linecap=\"round\"\/>\n          <!-- cuerpo hombre camisa azul -->\n          <rect x=\"130\" y=\"138\" width=\"90\" height=\"130\" rx=\"20\" fill=\"#5b7fa8\"\/>\n          <rect x=\"155\" y=\"138\" width=\"40\" height=\"130\" rx=\"0\" fill=\"#4a6d96\"\/>\n          <!-- mujer (primer plano) -->\n          <ellipse cx=\"230\" cy=\"100\" rx=\"36\" ry=\"42\" fill=\"#c4a080\"\/>\n          <!-- cabello blanco corto -->\n          <ellipse cx=\"230\" cy=\"80\" rx=\"36\" ry=\"22\" fill=\"#e0e0e0\"\/>\n          <ellipse cx=\"200\" cy=\"90\" rx=\"14\" ry=\"16\" fill=\"#e0e0e0\"\/>\n          <ellipse cx=\"258\" cy=\"90\" rx=\"14\" ry=\"14\" fill=\"#e0e0e0\"\/>\n          <!-- cara mujer -->\n          <ellipse cx=\"220\" cy=\"108\" rx=\"5\" ry=\"6\" fill=\"#2a2a3a\" opacity=\".6\"\/>\n          <ellipse cx=\"240\" cy=\"108\" rx=\"5\" ry=\"6\" fill=\"#2a2a3a\" opacity=\".6\"\/>\n          <path d=\"M218 124 Q230 134 242 124\" stroke=\"#2a2a3a\" stroke-width=\"2.5\" fill=\"none\" stroke-linecap=\"round\"\/>\n          <!-- labios -->\n          <ellipse cx=\"230\" cy=\"127\" rx=\"8\" ry=\"4\" fill=\"#c46070\" opacity=\".6\"\/>\n          <!-- cuerpo mujer blusa gris azulada -->\n          <rect x=\"190\" y=\"140\" width=\"80\" height=\"125\" rx=\"18\" fill=\"#7a8fa8\"\/>\n          <!-- brazos juntos -->\n          <path d=\"M155 200 Q150 250 160 290\" stroke=\"#5b7fa8\" stroke-width=\"28\" stroke-linecap=\"round\" fill=\"none\"\/>\n          <path d=\"M270 195 Q280 245 265 285\" stroke=\"#7a8fa8\" stroke-width=\"24\" stroke-linecap=\"round\" fill=\"none\"\/>\n        <\/svg>\n      <\/div>\n    <\/div>\n\n    <!-- DERECHA: badge escudo -->\n    <div class=\"ad-right\">\n      <div class=\"ad-shield-badge\">\n        <div class=\"ad-shield-icon\">\n          <svg width=\"30\" height=\"30\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><polyline points=\"9 12 11 14 15 10\"\/><\/svg>\n        <\/div>\n        <p class=\"ad-shield-text\">Tu pensi\u00f3n puede ser <strong>mejor.<\/strong><br>Inf\u00f3rmate, decide y <strong>mejora tu futuro.<\/strong><\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- BARRA INFERIOR \u2014 contacto, r\u00e9plica exacta del anuncio -->\n  <div class=\"ad-contact-bar\">\n    <div class=\"ad-contact-inner\">\n      <div class=\"ad-contact-web\">\n        <div class=\"ad-contact-icon ad-contact-icon-blue\">\n          <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"2\" y1=\"12\" x2=\"22\" y2=\"12\"\/><path d=\"M12 2a15.3 15.3 0 0 1 4 10 15.3 15.3 0 0 1-4 10 15.3 15.3 0 0 1-4-10 15.3 15.3 0 0 1 4-10z\"\/><\/svg>\n        <\/div>\n        <div>\n          <div class=\"ad-contact-label\">Visita nuestro sitio web<\/div>\n          <div class=\"ad-contact-value\">quieromejorpension.com<\/div>\n        <\/div>\n      <\/div>\n      <div class=\"ad-contact-sep\"><\/div>\n      <div class=\"ad-contact-wa\">\n        <div class=\"ad-contact-icon ad-contact-icon-green\">\n          <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"white\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413z\"\/><\/svg>\n        <\/div>\n        <div>\n          <div class=\"ad-contact-label\">Cont\u00e1ctanos por WhatsApp<\/div>\n          <a href=\"https:\/\/wa.me\/528121959101?text=quieromejorarpension%20informacion\" target=\"_blank\" class=\"ad-contact-value\" style=\"text-decoration:none;color:inherit;\">81 21 95 91 01<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <!-- TAGLINE INFERIOR -->\n  <div class=\"ad-tagline-bar\">\n    <span>INFORMACI\u00d3N<\/span>\n    <span class=\"ad-tag-dot\">\u2022<\/span>\n    <span>ORIENTACI\u00d3N<\/span>\n    <span class=\"ad-tag-dot\">\u2022<\/span>\n    <span>TRANSPARENCIA<\/span>\n    <span class=\"ad-tag-dot\">\u2022<\/span>\n    <span class=\"ad-tag-highlight\">MEJOR FUTURO<\/span>\n  <\/div>\n\n<\/section><br \/>\n<!-- MAIN -->\n<div class=\"main\">\n  <!-- COL LEFT -->\n  <div class=\"col-left\">\n\n    <!-- FORM CARD -->\n    <div class=\"card\" id=\"calculadora\">\n      <div class=\"card-title\">\n        <div class=\"icon\">\ud83e\uddee<\/div>\n        Ingresa tus datos de cotizaci\u00f3n\n      <\/div>\n\n      <div class=\"form-grid\">\n        <!-- Salario -->\n        <div class=\"form-group full\">\n          <label class=\"label\">\n            Salario promedio mensual\n            <span class=\"label-hint\">Promedio de las \u00faltimas 250 semanas (\u00faltimos 5 a\u00f1os) cotizadas ante el IMSS<\/span>\n          <\/label>\n          <div class=\"input-wrap\">\n            <span class=\"prefix\">$<\/span>\n            <input type=\"number\" id=\"salario\" class=\"has-prefix\" placeholder=\"Ej: 25000\" value=\"25000\" min=\"1\" oninput=\"onInput()\">\n          <\/div>\n        <\/div>\n\n        <!-- Semanas -->\n        <div class=\"form-group\">\n          <label class=\"label\">\n            Semanas cotizadas\n            <span class=\"label-hint\">Cons\u00faltalas en IMSS Digital con tu NSS<\/span>\n          <\/label>\n          <input type=\"number\" id=\"semanas\" placeholder=\"Ej: 800\" value=\"800\" min=\"500\" max=\"3000\" oninput=\"onInput()\">\n        <\/div>\n\n        <!-- SAR\/Afore -->\n        <div class=\"form-group\">\n          <label class=\"label\">\n            Saldo SAR 92 + Retiro 97\n            <span class=\"label-hint\">Subcuentas de tu AFORE (opcional)<\/span>\n          <\/label>\n          <div class=\"input-wrap\">\n            <span class=\"prefix\">$<\/span>\n            <input type=\"number\" id=\"afore\" class=\"has-prefix\" placeholder=\"Ej: 150000\" value=\"\" min=\"0\" oninput=\"onInput()\">\n          <\/div>\n        <\/div>\n\n        <!-- Edad -->\n        <div class=\"form-group full\">\n          <label class=\"label\">\n            Edad al pensionarte\n            <span class=\"label-hint\">A los 65 a\u00f1os recibes el 100% de tu pensi\u00f3n (vejez). Antes aplica reducci\u00f3n<\/span>\n          <\/label>\n          <div class=\"age-slider-wrap\">\n            <div class=\"age-track\" id=\"age-track\">\n              <div class=\"age-opt active\" data-age=\"60\" data-factor=\"0.75\" onclick=\"selectAge(this)\">60<small>75%<\/small><\/div>\n              <div class=\"age-opt\" data-age=\"61\" data-factor=\"0.80\" onclick=\"selectAge(this)\">61<small>80%<\/small><\/div>\n              <div class=\"age-opt\" data-age=\"62\" data-factor=\"0.85\" onclick=\"selectAge(this)\">62<small>85%<\/small><\/div>\n              <div class=\"age-opt\" data-age=\"63\" data-factor=\"0.90\" onclick=\"selectAge(this)\">63<small>90%<\/small><\/div>\n              <div class=\"age-opt\" data-age=\"64\" data-factor=\"0.95\" onclick=\"selectAge(this)\">64<small>95%<\/small><\/div>\n              <div class=\"age-opt\" data-age=\"65\" data-factor=\"1.00\" onclick=\"selectAge(this)\">65<small>100%<\/small><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <!-- C\u00f3nyuge -->\n        <div class=\"form-group\">\n          <label class=\"label\">\n            \u00bfC\u00f3nyuge o concubina?\n            <span class=\"label-hint\">+15% sobre pensi\u00f3n base (Art. 164-I)<\/span>\n          <\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn active\" id=\"toggle-conyuge-si\" onclick=\"toggleConyuge(true)\">S\u00ed (+15%)<\/div>\n            <div class=\"toggle-btn\" id=\"toggle-conyuge-no\" onclick=\"toggleConyuge(false)\">No<\/div>\n          <\/div>\n        <\/div>\n\n        <!-- Hijos -->\n        <div class=\"form-group\">\n          <label class=\"label\">\n            Hijos dependientes\n            <span class=\"label-hint\">Menores 16 a\u00f1os o hasta 25 si estudian (+10% c\/u)<\/span>\n          <\/label>\n          <select id=\"hijos\" onchange=\"onInput()\">\n            <option value=\"0\">Sin hijos dependientes<\/option>\n            <option value=\"1\">1 hijo (+10%)<\/option>\n            <option value=\"2\">2 hijos (+20%)<\/option>\n            <option value=\"3\">3 hijos (+30%)<\/option>\n            <option value=\"4\">4 hijos (+40%)<\/option>\n          <\/select>\n        <\/div>\n\n        <!-- Modalidad 40 -->\n        <div class=\"form-group full\">\n          <label class=\"label\">\n            \u00bfEst\u00e1s interesado en Modalidad 40?\n            <span class=\"label-hint\">Cotizaci\u00f3n voluntaria para aumentar tu pensi\u00f3n (Art. 194 LSS73)<\/span>\n          <\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn\" id=\"m40-si\" onclick=\"toggleM40(true)\">S\u00ed, mostrar escenario<\/div>\n            <div class=\"toggle-btn active\" id=\"m40-no\" onclick=\"toggleM40(false)\">No por ahora<\/div>\n          <\/div>\n        <\/div>\n\n        <!-- M40 UMAs (hidden by default) -->\n        <div class=\"form-group full\" id=\"m40-umas-wrap\" style=\"display:none\">\n          <label class=\"label\">\n            UMAs a cotizar en Modalidad 40\n            <span class=\"label-hint\">M\u00ednimo = tu \u00faltimo salario; m\u00e1ximo = 25 UMAs ($89,155\/mes). UMA 2026: $117.31\/d\u00eda<\/span>\n          <\/label>\n          <select id=\"m40-umas\" onchange=\"onInput()\">\n            <option value=\"5\">5 UMAs \u2014 $17,831\/mes \u2014 cuota $2,574\/mes<\/option>\n            <option value=\"8\">8 UMAs \u2014 $28,529\/mes \u2014 cuota $4,119\/mes<\/option>\n            <option value=\"10\">10 UMAs \u2014 $35,662\/mes \u2014 cuota $5,148\/mes<\/option>\n            <option value=\"12\">12 UMAs \u2014 $42,794\/mes \u2014 cuota $6,178\/mes<\/option>\n            <option value=\"15\" selected>15 UMAs \u2014 $53,493\/mes \u2014 cuota $7,722\/mes<\/option>\n            <option value=\"18\">18 UMAs \u2014 $64,191\/mes \u2014 cuota $9,267\/mes<\/option>\n            <option value=\"20\">20 UMAs \u2014 $71,324\/mes \u2014 cuota $10,296\/mes<\/option>\n            <option value=\"22\">22 UMAs \u2014 $78,456\/mes \u2014 cuota $11,326\/mes<\/option>\n            <option value=\"25\">25 UMAs \u2014 $89,155\/mes \u2014 cuota $12,870\/mes (m\u00e1ximo)<\/option>\n          <\/select>\n        <\/div>\n      <\/div>\n\n      <button class=\"btn-calc\" onclick=\"calcular()\">\n        Calcular mi pensi\u00f3n\n        <span class=\"arrow\">\u2192<\/span>\n      <\/button>\n\n      <!-- BOT\u00d3N CTA AN\u00c1LISIS -->\n      <a href=\"https:\/\/wa.me\/528121959101?text=QUIERO%20MI%20ANALISIS%20DE%20PENSION\"\n         target=\"_blank\" rel=\"noopener noreferrer\"\n         class=\"btn-analisis\">\n        <span class=\"btn-analisis-wa\">\n          <svg viewBox=\"0 0 24 24\" fill=\"white\" width=\"20\" height=\"20\">\n            <path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413z\"\/>\n          <\/svg>\n        <\/span>\n        <span class=\"btn-analisis-text\">\n          <span class=\"btn-analisis-top\">Solicita tu an\u00e1lisis para<\/span>\n          <span class=\"btn-analisis-main\">mejorar tu pensi\u00f3n aqu\u00ed<\/span>\n        <\/span>\n        <span class=\"btn-analisis-arrow\">\u2197<\/span>\n      <\/a>\n\n    <\/div>\n\n    <!-- RESULT -->\n    <div class=\"result-panel\" id=\"result-panel\">\n      <div class=\"result-label\">Tu pensi\u00f3n mensual estimada \u00b7 Ley 73 IMSS<\/div>\n      <div class=\"result-amount\" id=\"res-total\">$0<\/div>\n      <div class=\"result-sub\">Pensi\u00f3n base + asignaciones familiares (Art. 164 LSS73)<\/div>\n      <div class=\"result-badge\" id=\"res-badge\"><\/div>\n\n      <div class=\"result-breakdown\">\n        <div class=\"rb-row\"><span>Salario promedio diario<\/span><span id=\"res-sal-dia\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Grupo salarial (Art. 167)<\/span><span id=\"res-grupo\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Cuant\u00eda b\u00e1sica %<\/span><span id=\"res-cb-pct\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Cuant\u00eda b\u00e1sica mensual<\/span><span id=\"res-cb\">\u2014<\/span><\/div>\n        <div class=\"rb-divider\"><\/div>\n        <div class=\"rb-row\"><span>Semanas adicionales sobre 500<\/span><span id=\"res-sem-extra\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Incremento anual (Art. 167)<\/span><span id=\"res-inc-pct\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Total incremento mensual<\/span><span id=\"res-inc\">\u2014<\/span><\/div>\n        <div class=\"rb-divider\"><\/div>\n        <div class=\"rb-row\"><span>Pensi\u00f3n antes de factor edad<\/span><span id=\"res-pre-edad\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Factor de edad (Art. 171)<\/span><span id=\"res-factor\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Pensi\u00f3n base post-edad<\/span><span id=\"res-base\">\u2014<\/span><\/div>\n        <div class=\"rb-divider\"><\/div>\n        <div class=\"rb-row\"><span>Asignaci\u00f3n c\u00f3nyuge<\/span><span id=\"res-conyuge\">\u2014<\/span><\/div>\n        <div class=\"rb-row\"><span>Asignaci\u00f3n hijos<\/span><span id=\"res-hijos\">\u2014<\/span><\/div>\n        <div class=\"rb-total rb-row\"><span>Pensi\u00f3n mensual total<\/span><span id=\"res-total2\">\u2014<\/span><\/div>\n      <\/div>\n\n      <div class=\"result-anual\">\n        <div class=\"ra-label\">Ingreso anual estimado (con aguinaldo)<\/div>\n        <div class=\"ra-value\" id=\"res-anual\">\u2014<\/div>\n        <div class=\"ra-sub\">13 mensualidades \u00b7 aguinaldo = 1 mensualidad de la base (Art. 167)<\/div>\n      <\/div>\n    <\/div>\n\n    <!-- M40 SCENARIO -->\n    <div class=\"m40-panel\" id=\"m40-panel\">\n      <div class=\"m40-title\">\ud83d\ude80 Escenario Modalidad 40<\/div>\n      <div class=\"m40-sub\">Si cotizas en Modalidad 40, as\u00ed mejorar\u00eda tu pensi\u00f3n y cu\u00e1nto costar\u00eda<\/div>\n      <div class=\"scenarios\">\n        <div class=\"scenario-card current\">\n          <div class=\"sc-label cur\">Sin Modalidad 40<\/div>\n          <div class=\"sc-amount cur\" id=\"m40-sin\">$0<\/div>\n          <div class=\"sc-desc cur\">Pensi\u00f3n actual estimada<\/div>\n        <\/div>\n        <div class=\"scenario-card optimized\">\n          <div class=\"sc-label opt\">Con Modalidad 40<\/div>\n          <div class=\"sc-amount opt\" id=\"m40-con\">$0<\/div>\n          <div class=\"sc-desc opt\">Nuevo salario promedio m\u00e1s alto<\/div>\n        <\/div>\n      <\/div>\n      <div class=\"m40-grid\" style=\"margin-top:1rem\">\n        <div class=\"m40-stat\">\n          <div class=\"m40-stat-n\" id=\"m40-cuota\">\u2014<\/div>\n          <div class=\"m40-stat-l\">Cuota mensual Modalidad 40<\/div>\n        <\/div>\n        <div class=\"m40-stat\">\n          <div class=\"m40-stat-n\" id=\"m40-diferencia\">\u2014<\/div>\n          <div class=\"m40-stat-l\">Aumento de pensi\u00f3n mensual<\/div>\n        <\/div>\n        <div class=\"m40-stat\">\n          <div class=\"m40-stat-n\" id=\"m40-recuperacion\">\u2014<\/div>\n          <div class=\"m40-stat-l\">Recuperaci\u00f3n de inversi\u00f3n<\/div>\n        <\/div>\n        <div class=\"m40-stat\">\n          <div class=\"m40-stat-n\" id=\"m40-anual-extra\">\u2014<\/div>\n          <div class=\"m40-stat-l\">Extra al a\u00f1o con M40<\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- TABLA CUANTIA BASICA -->\n    <div class=\"card\" id=\"tabla167\">\n      <div class=\"card-title\"><div class=\"icon\">\ud83d\udcca<\/div>Tabla Art. 167 \u2014 Cuant\u00eda b\u00e1sica y incremento anual<\/div>\n      <p style=\"font-size:13px;color:var(--muted);margin-bottom:.75rem;line-height:1.6\">El IMSS clasifica los salarios en grupos seg\u00fan cu\u00e1ntas veces superan el salario m\u00ednimo diario de referencia ($22.50 en 1997). Tu grupo <strong id=\"grupo-activo-msg\"><\/strong> se resalta en la tabla.<\/p>\n      <div class=\"table-wrap\">\n        <table id=\"tabla167\">\n          <thead>\n            <tr>\n              <th>Grupo salarial (veces SM)<\/th>\n              <th>Cuant\u00eda b\u00e1sica<\/th>\n              <th>Incremento anual<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody id=\"tabla-body\">\n            <!-- filled by JS -->\n          <\/tbody>\n        <\/table>\n      <\/div>\n      <p style=\"font-size:11px;color:var(--light);margin-top:.6rem\">SM = Salario M\u00ednimo de referencia hist\u00f3rico ($22.50\/d\u00eda, valor 1997). Fuente: Art. 167 de la Ley del Seguro Social publicada en el DOF el 12 de marzo de 1973.<\/p>\n    <\/div>\n\n    <!-- COMO FUNCIONA -->\n    <div class=\"card\" id=\"como-funciona\">\n      <div class=\"card-title\"><div class=\"icon\">\ud83d\udccb<\/div>C\u00f3mo funciona el c\u00e1lculo paso a paso<\/div>\n      <div class=\"steps\">\n        <div class=\"step\">\n          <div class=\"step-num\">1<\/div>\n          <div>\n            <div class=\"step-title\">Determina tu salario promedio (\u00faltimas 250 semanas)<\/div>\n            <div class=\"step-desc\">Se toma el promedio de los salarios de cotizaci\u00f3n de tus \u00faltimas 250 semanas (\u22485 a\u00f1os). Si tienes menos, se usan las que tengas. Este salario es la base del c\u00e1lculo.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"step\">\n          <div class=\"step-num\">2<\/div>\n          <div>\n            <div class=\"step-title\">Ubica tu grupo salarial en la tabla Art. 167<\/div>\n            <div class=\"step-desc\">Tu salario diario se divide entre el salario m\u00ednimo de referencia para encontrar el grupo. Cada grupo tiene un porcentaje de cuant\u00eda b\u00e1sica (entre 80% y 13%) y un incremento anual.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"step\">\n          <div class=\"step-num\">3<\/div>\n          <div>\n            <div class=\"step-title\">Calcula la cuant\u00eda b\u00e1sica + incrementos<\/div>\n            <div class=\"step-desc\">Aplica el porcentaje de cuant\u00eda b\u00e1sica a tu salario promedio. Por cada 52 semanas adicionales sobre las 500 m\u00ednimas, se suma el % de incremento anual (o 50% si hay 13\u201326 semanas extra en la fracci\u00f3n).<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"step\">\n          <div class=\"step-num\">4<\/div>\n          <div>\n            <div class=\"step-title\">Aplica el factor de edad (Art. 171)<\/div>\n            <div class=\"step-desc\">Si te retiras entre 60 y 64 a\u00f1os (cesant\u00eda), recibes un porcentaje: 75% a los 60, 80% a los 61, hasta 100% a los 65 (vejez). La reducci\u00f3n es permanente y de por vida.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"step\">\n          <div class=\"step-num\">5<\/div>\n          <div>\n            <div class=\"step-title\">Suma asignaciones familiares (Art. 164)<\/div>\n            <div class=\"step-desc\">+15% por c\u00f3nyuge o concubina. +10% por cada hijo menor de 16 a\u00f1os (o hasta 25 si estudian). +10% por cada padre dependiente (solo si no hay c\u00f3nyuge ni hijos). M\u00ednimo garantizado: $10,636\/mes (Art. 168).<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"step\">\n          <div class=\"step-num\">6<\/div>\n          <div>\n            <div class=\"step-title\">Aguinaldo anual<\/div>\n            <div class=\"step-desc\">El IMSS paga una mensualidad completa de aguinaldo al a\u00f1o (equivalente a la pensi\u00f3n base sin asignaciones). Esto suma un 8.3% adicional al ingreso anual.<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- ALERT DISCLAIMER -->\n    <div class=\"alert alert-info\">\n      <span class=\"alert-icon\">\u2139\ufe0f<\/span>\n      <div><strong>Aviso importante:<\/strong> Esta calculadora genera una <strong>estimaci\u00f3n orientativa<\/strong> basada en la f\u00f3rmula oficial del Art. 167 LSS73. El monto definitivo lo determina el IMSS con tu historial completo de semanas y salarios. Para un c\u00e1lculo exacto, solicita tu Constancia de Semanas Cotizadas detallada en IMSS Digital y consulta con un especialista.<\/div>\n    <\/div>\n\n  <\/div><!-- \/col-left -->\n\n  <!-- COL RIGHT -->\n  <div class=\"col-right\">\n\n    <!-- CTA -->\n    <div class=\"cta-card\">\n      <h3>\u00bfQuieres saber tu pensi\u00f3n <em>exacta<\/em>?<\/h3>\n      <p>Esta calculadora da un estimado. Con tu constancia de semanas cotizadas, calculamos el monto real y te mostramos si Modalidad 40 puede duplicar tu pensi\u00f3n.<\/p>\n      <a href=\"https:\/\/wa.me\/528121959101?text=quieromejorarpension%20informacion\" class=\"btn-wa\" target=\"_blank\">\n        <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413z\"\/><\/svg>\n        Quiero mi an\u00e1lisis\n      <\/a>\n      <a href=\"mailto:hola@quieromejorpension.com\" class=\"btn-mail\">\n        \u2709 hola@quieromejorpension.com\n      <\/a>\n      <div class=\"cta-trust\">\n        <div class=\"trust-item\">C\u00e1lculo oficial Art. 167 LSS 1973<\/div>\n        <div class=\"trust-item\">F\u00f3rmula validada con tablas IMSS 2026<\/div>\n        <div class=\"trust-item\">25 a\u00f1os de experiencia<\/div>\n        <div class=\"trust-item\">+900 familias acompa\u00f1adas<\/div>\n        <div class=\"trust-item\">Atenci\u00f3n en toda la Rep\u00fablica y EU<\/div>\n      <\/div>\n    <\/div>\n\n    <!-- CREDENCIALES -->\n    <div class=\"credencial\">\n      <div class=\"cred-title\">Respaldo profesional verificable<\/div>\n      <div class=\"cred-item\">\n        <div class=\"cred-icon\">\ud83c\udfe6<\/div>\n        <div>\n          <div class=\"cred-name\">Br\u00f3ker Hipotecario<\/div>\n          <div class=\"cred-sub\">Ley del Seguro Social 1973<\/div>\n        <\/div>\n      <\/div>\n      <div class=\"cred-item\">\n        <div class=\"cred-icon\">\ud83d\udee1<\/div>\n        <div>\n          <div class=\"cred-name\">Agente de Seguros y Fianzas<\/div>\n          <div class=\"cred-sub\">Art. 167, 168 y 171 LSS<\/div>\n        <\/div>\n      <\/div>\n      <div class=\"cred-item\">\n        <div class=\"cred-icon\">\ud83d\udccb<\/div>\n        <div>\n          <div class=\"cred-name\">Gestor\u00eda IMSS Ley 73<\/div>\n          <div class=\"cred-sub\">Tr\u00e1mite completo sin ir a ventanilla<\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- TIP BOX -->\n    <div class=\"info-panel\">\n      <div class=\"info-panel-title\">\ud83d\udca1 \u00bfSab\u00edas que...<\/div>\n      <div class=\"info-panel-body\">Con <strong>Modalidad 40<\/strong> puedes cotizar con un salario hasta 25 veces la UMA ($89,155\/mes), independientemente de tu \u00faltimo salario. Esto puede <strong>triplicar tu pensi\u00f3n<\/strong> si tienes 5+ a\u00f1os antes de retirarte. La clave est\u00e1 en iniciar el tr\u00e1mite antes de que pasen 5 a\u00f1os de tu \u00faltima baja del IMSS.<\/div>\n    <\/div>\n\n    <!-- PENSI\u00d3N M\u00cdNIMA -->\n    <div class=\"card\" style=\"padding:1.25rem 1.4rem\">\n      <div class=\"card-title\" style=\"font-size:1rem;margin-bottom:.8rem\"><div class=\"icon\">\ud83d\udee1<\/div>Pensi\u00f3n m\u00ednima garantizada<\/div>\n      <div class=\"table-wrap\">\n        <table>\n          <thead><tr><th>A\u00f1o<\/th><th>Ley 73<\/th><th>Ley 97<\/th><\/tr><\/thead>\n          <tbody>\n            <tr class=\"table-highlight\"><td>2026 (actual)<\/td><td class=\"gold\">$10,636<\/td><td class=\"center\">$3,289<\/td><\/tr>\n            <tr><td>2025<\/td><td class=\"gold\">$9,412<\/td><td class=\"center\">$3,289<\/td><\/tr>\n            <tr><td>2024<\/td><td>$8,800<\/td><td class=\"center\">$3,289<\/td><\/tr>\n            <tr><td>2023<\/td><td>$7,224<\/td><td class=\"center\">$3,289<\/td><\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n      <p style=\"font-size:11px;color:var(--light);margin-top:.5rem\">Ley 73: Art. 168 LSS. Si tu c\u00e1lculo da menos, el IMSS paga este m\u00ednimo de por vida.<\/p>\n    <\/div>\n\n    <!-- FACTOR EDAD -->\n    <div class=\"card\" style=\"padding:1.25rem 1.4rem\">\n      <div class=\"card-title\" style=\"font-size:1rem;margin-bottom:.8rem\"><div class=\"icon\">\ud83d\udcc5<\/div>Factor edad \u2014 Art. 171<\/div>\n      <div class=\"table-wrap\">\n        <table>\n          <thead><tr><th>Edad<\/th><th>Tipo<\/th><th>% de la pensi\u00f3n<\/th><\/tr><\/thead>\n          <tbody>\n            <tr id=\"f-60\"><td>60 a\u00f1os<\/td><td>Cesant\u00eda<\/td><td class=\"center\">75%<\/td><\/tr>\n            <tr id=\"f-61\"><td>61 a\u00f1os<\/td><td>Cesant\u00eda<\/td><td class=\"center\">80%<\/td><\/tr>\n            <tr id=\"f-62\"><td>62 a\u00f1os<\/td><td>Cesant\u00eda<\/td><td class=\"center\">85%<\/td><\/tr>\n            <tr id=\"f-63\"><td>63 a\u00f1os<\/td><td>Cesant\u00eda<\/td><td class=\"center\">90%<\/td><\/tr>\n            <tr id=\"f-64\"><td>64 a\u00f1os<\/td><td>Cesant\u00eda<\/td><td class=\"center\">95%<\/td><\/tr>\n            <tr id=\"f-65\"><td>65 a\u00f1os<\/td><td>Vejez<\/td><td class=\"center gold\">100%<\/td><\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n    <\/div>\n\n  <\/div><!-- \/col-right -->\n<\/div><!-- \/main -->\n\n<!-- FOOTER -->\n<footer>\n  <div class=\"footer-inner\">\n    <div>\n      <div class=\"footer-brand\">quieromejorpension.com<\/div>\n      <div style=\"font-size:11px;color:rgba(255,255,255,.25);margin-top:.3rem\">Calculadora oficial Ley 73 IMSS \u00b7 M\u00e9xico<\/div>\n    <\/div>\n    <div class=\"footer-legal\">\n      Esta calculadora es informativa y educativa. No constituye asesor\u00eda legal, fiscal ni contable. Los c\u00e1lculos son estimaciones; el monto definitivo lo determina el IMSS con el historial completo del asegurado. 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