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Financial Calculators and Simulatorsfor SMBs
Financial calculators for SMBs with instant answers.
Deep analysis with advanced simulators.
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- No sign-up to calculate
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10 simulators · 37 calculators · Free, no signup
Simúlalo · Break-even Point
CalculatorScenariosReport
Price
$250
Unit cost
$90
Fixed costs
$50,000
Monthly break-even
312 units / month
$78,125 in revenue to break even
Contribution margin
64%
Break-even revenue
$78,125
Healthy
Change prices and costs to see scenarios
Open simulatorWhy Simúlalo?
Business decisions with data, not with hunches.
Calculators and simulators ready to answer what you usually end up guessing in a spreadsheet.
Built for your industry
SaaS, retail, restaurants, manufacturing, logistics and more. Variables and benchmarks tuned to the sector you operate in.
From question to decision
Calculators for instant answers. Simulators for complete scenarios with KPIs, alerts and side-by-side comparison.
Deep analysis
View all simulatorsWant to model full scenarios?
When several variables move at once — price, volume, churn — a simulator shows you the whole picture, not just one frame.
Finance
Cash Flow Simulator
Describe your business in free text. AI structures a financial model and simulates 12 months across 3 scenarios with KPIs, alerts, and recommendations.
Problem it solves
Know how much cash runway you have and when the business hits the danger zone.
Key variables
- Monthly revenue
- Fixed costs
- Variable costs
- Collection and payment days
What you get
- Month-by-month ending balance
- Estimated runway
- Negative-balance alerts
- 3-scenario comparison
Finance
Pricing & Profitability Simulator
Define your cost structure, compare pricing scenarios, analyze price-volume sensitivity, and optimize your profitability.
Problem it solves
Find the price that maximises margin without losing volume.
Key variables
- Cost structure
- Price-volume sensitivity
- Platform fees
- Product mix
What you get
- Optimal price
- Break-even point
- Per-scenario sensitivity
- Real margin per mix
Finance
Credit Risk Simulator
Evaluate RAROC, expected loss and stress testing per portfolio segment.
Problem it solves
Measure RAROC, expected loss and stress test per portfolio segment.
Key variables
- Probability of default (PD)
- Loss given default (LGD)
- Exposure at default (EAD)
- APR rate
What you get
- RAROC per segment
- Expected loss
- Stress test under shock
- Required economic capital
Finance
Investment Portfolio Simulator
Allocate weights across asset classes; expected return, volatility and Sharpe with correlation matrix.
Problem it solves
Build a portfolio on the efficient frontier with controlled risk.
Key variables
- Asset weights
- Expected return
- Annual volatility
- Risk-free rate
What you get
- Sharpe ratio
- Portfolio volatility
- Projection with ±1σ bands
- Weight comparison
E-commerce
Marketplace Dynamic Pricing Simulator
Find the optimal price considering commissions, competition and market elasticity.
Problem it solves
Know what price to compete at on marketplaces without sacrificing margin.
Key variables
- Your price and unit cost
- Marketplace commission
- Competitor prices
- Ad spend per unit
What you get
- Optimal price
- Competitive position
- Estimated share
- Real margin per unit
SaaS
Subscription Pricing Simulator
Model multi-tier strategy (Basic/Pro/Enterprise) with LTV:CAC, MRR and upgrades.
Problem it solves
Optimise the tier strategy and reduce churn without slowing upgrades.
Key variables
- Tiers and prices
- Churn per tier
- CAC
- Adoption and upgrade rate
What you get
- LTV:CAC
- Projected MRR
- Payback period
- Weakest tier identified
Logistics
Delivery Routes Simulator
Model last-mile: fleet, density, cost per delivery and breakeven density.
Problem it solves
Calculate the real cost of covering a zone and when to scale the fleet.
Key variables
- Available vehicles
- Driver cost
- Stop density
- First-time-right rate (FTR)
What you get
- Cost per delivery
- Profitable quadrants
- Fleet break-even point
- Per-zone comparison
Logistics
Warehouse Capacity Simulator
Storage, docks, picking, efficiency loss from over-fill (honeycomb) and peak projection. Compare four expansion routes.
Problem it solves
Know when you run out of slots and how to handle the seasonal peak.
Key variables
- Installed slots
- Current pallets
- Expected growth
- Seasonal peak
What you get
- Projected utilisation
- Primary bottleneck
- 4 routes to cover the peak
- Cost per slot
Logistics
Last-Mile Cost Simulator
Zones, attempts, own vs 3PL, returns and SLA. Find per-zone break-even.
Problem it solves
Compare own fleet vs 3PL on total cost per delivery.
Key variables
- Orders per day
- Zone mix
- 3PL fees
- Return rate
What you get
- Total cost per delivery
- Own fleet vs 3PL
- SLA penalty
- Margin per zone
Logistics
Supply Chain Resilience Simulator
TTR vs TTS, HHI, dual-sourcing and expected stockout cost. Find where to invest in resilience.
Problem it solves
Estimate your recovery time when a critical supplier disrupts.
Key variables
- 3 critical suppliers
- Lead time and variance
- Disruption probability
- Qualified backup
What you get
- TTR (time to recover)
- TTS (time to survive)
- Concentration HHI
- Expected annual cost
Describe your business in free text. AI structures a financial model and simulates 12 months across 3 scenarios with KPIs, alerts, and recommendations.
Problem it solves
Know how much cash runway you have and when the business hits the danger zone.
Key variables
- Monthly revenue
- Fixed costs
- Variable costs
- Collection and payment days
What you get
- Month-by-month ending balance
- Estimated runway
- Negative-balance alerts
- 3-scenario comparison
Define your cost structure, compare pricing scenarios, analyze price-volume sensitivity, and optimize your profitability.
Problem it solves
Find the price that maximises margin without losing volume.
Key variables
- Cost structure
- Price-volume sensitivity
- Platform fees
- Product mix
What you get
- Optimal price
- Break-even point
- Per-scenario sensitivity
- Real margin per mix
Evaluate RAROC, expected loss and stress testing per portfolio segment.
Problem it solves
Measure RAROC, expected loss and stress test per portfolio segment.
Key variables
- Probability of default (PD)
- Loss given default (LGD)
- Exposure at default (EAD)
- APR rate
What you get
- RAROC per segment
- Expected loss
- Stress test under shock
- Required economic capital
Allocate weights across asset classes; expected return, volatility and Sharpe with correlation matrix.
Problem it solves
Build a portfolio on the efficient frontier with controlled risk.
Key variables
- Asset weights
- Expected return
- Annual volatility
- Risk-free rate
What you get
- Sharpe ratio
- Portfolio volatility
- Projection with ±1σ bands
- Weight comparison
Find the optimal price considering commissions, competition and market elasticity.
Problem it solves
Know what price to compete at on marketplaces without sacrificing margin.
Key variables
- Your price and unit cost
- Marketplace commission
- Competitor prices
- Ad spend per unit
What you get
- Optimal price
- Competitive position
- Estimated share
- Real margin per unit
Model multi-tier strategy (Basic/Pro/Enterprise) with LTV:CAC, MRR and upgrades.
Problem it solves
Optimise the tier strategy and reduce churn without slowing upgrades.
Key variables
- Tiers and prices
- Churn per tier
- CAC
- Adoption and upgrade rate
What you get
- LTV:CAC
- Projected MRR
- Payback period
- Weakest tier identified
Model last-mile: fleet, density, cost per delivery and breakeven density.
Problem it solves
Calculate the real cost of covering a zone and when to scale the fleet.
Key variables
- Available vehicles
- Driver cost
- Stop density
- First-time-right rate (FTR)
What you get
- Cost per delivery
- Profitable quadrants
- Fleet break-even point
- Per-zone comparison
Storage, docks, picking, efficiency loss from over-fill (honeycomb) and peak projection. Compare four expansion routes.
Problem it solves
Know when you run out of slots and how to handle the seasonal peak.
Key variables
- Installed slots
- Current pallets
- Expected growth
- Seasonal peak
What you get
- Projected utilisation
- Primary bottleneck
- 4 routes to cover the peak
- Cost per slot
Zones, attempts, own vs 3PL, returns and SLA. Find per-zone break-even.
Problem it solves
Compare own fleet vs 3PL on total cost per delivery.
Key variables
- Orders per day
- Zone mix
- 3PL fees
- Return rate
What you get
- Total cost per delivery
- Own fleet vs 3PL
- SLA penalty
- Margin per zone
TTR vs TTS, HHI, dual-sourcing and expected stockout cost. Find where to invest in resilience.
Problem it solves
Estimate your recovery time when a critical supplier disrupts.
Key variables
- 3 critical suppliers
- Lead time and variance
- Disruption probability
- Qualified backup
What you get
- TTR (time to recover)
- TTS (time to survive)
- Concentration HHI
- Expected annual cost
Quick answers
Need a quick number?
Run VAT, margin, ROI, mortgage, payroll and more in seconds — no spreadsheet, no sign-up.
How it works
From doubt to decision in three steps.
No long onboarding, no demos. Open a tool and answer the question that brought you here.
Choose a tool
Calculators for quick questions, simulators for deep analysis.
Enter your data
Sales, costs, prices — the real variables of your business.
Make better decisions
See results, compare scenarios, and decide with information.
Before you start
What almost everyone asks us.
A business simulator is a tool that lets you create financial, inventory, growth, and risk scenarios using your company's real data, to see the impact of your decisions before making them.
Yes. Calculators and simulators are free and require no account. If you want to save scenarios or have the AI remember your context, you can create an optional free account. We never ask for a credit card.
Calculators give an immediate answer to a specific question (e.g., how much VAT do I owe?). Simulators let you model complete scenarios, adjust multiple variables, and compare decisions before making them.
Simúlalo has specialized tools for e-commerce, SaaS, retail, finance, restaurants, logistics, manufacturing, real estate, education, healthcare, and 10+ additional industries.
In 3 steps: 1) Choose a tool — calculator for quick answers or simulator for deep analysis, 2) Enter your real business data, 3) See results, compare scenarios, and decide with information.
Pick by intent
Start with the question, not the tool.
Search what you need to solve or pick a route. Simúlalo points you to the right calculator or simulator for a clear answer.
For a quick number: VAT, margin, ROI, payroll, mortgage or break-even.
10 simulators · 37 calculators · Free, no signup