Financial calculators

Financial calculators to decide with numbers, not intuition

Tools to estimate quick scenarios before committing money, contracts, or time. They do not replace advice from an accountant, financial advisor, or lawyer — they help you walk into that conversation with cleaner numbers.

A calculator answers a specific question: how much VAT do I owe, how much do I need to sell to cover costs, what return does this investment leave, what percentage stays as margin. Every Simúlalo calculator is deterministic — the same input returns the same output — with the formula visible and assumptions editable. The estimate is half the work; the other half is knowing when to accept the result and when to escalate to a professional.

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Calculator vs simulator

Which tool to open

Calculator

One question, one number, in seconds

Specific inputs like price, cost, rate, or amount. Immediate result. Useful for verifying an invoice, setting a price, estimating a return, or deciding whether a purchase fits in your margin.

Simulator

Several variables moving at once

When price, volume, churn, risk, or capacity change together. Models 3 scenarios (base, conservative, aggressive), compares KPIs, and projects 12 months. If your question involves two or more variables intersecting, open a simulator.

Open simulator guide
Flagship calculators

Five flagship calculators

Each one with a visible formula, numerical hypothetical cases, common errors, declared limitations, and signed editorial review. Start with the question you need to answer today.

By category

Five decision families

Calculators are grouped by the decision they help close, not by sector. Start with the family that matches today's question.

Looking for a specific calculator that's not in the flagship list? View the full catalog

When to use a calculator

What these calculators do answer

  • You need a quick estimate with three or four data points at hand (price, cost, volume, rate).
  • You want to verify a number before accepting an invoice, a quote, or a discount.
  • You're going to compare two simple scenarios (with discount vs without, buy vs rent, finance over 12 vs 24 months).
  • You're preparing a first version of a business case before requesting formal financial analysis.
  • You want to understand the mechanics of a metric (what is markup, what is ROAS, what is runway) without taking a course.
When a calculator alone isn't enough

Cases where you need a professional

  • Real tax decisions: filings, regimes, deductions, withholdings, electronic invoicing. You need certified software and a licensed accountant.
  • Major loans: mortgages, business credit lines, equipment financing. The bank uses its own methodology and will require formal financial statements.
  • Large investments: real estate purchase, business acquisition, seed funding. They require risk analysis, opportunity cost, and a registered advisor.
  • Contracts and obligations: commercial, labor, civil clauses. Any number incorporated into a binding contract must be reviewed by a lawyer.
  • Auditable accounting reports: annual closes, filings, presentations to committees or boards. A calculator does not generate official reports.
  • Legal decisions: corporate structures, partner agreements, inheritance. They require a specialist, not an estimate.
How they're reviewed

What the editorial team verifies before publishing

Every flagship calculator goes through the same internal review before going live. The methodology is visible so any user or AdSense reviewer can audit it.

  • The formula is declared on the page, not hidden in code.
  • Variables are editable and each one has a description that clarifies what to declare.
  • There are 2 hypothetical cases with numbers so the result is understood in context.
  • The model's limits are written explicitly: what it doesn't do and when to redirect to a professional.
  • Editorial review is signed by real people with verifiable profiles.
  • The last-update date is visible and refreshed when methodology changes.
  • Sources are paraphrased in our own words; texts from institutions or third parties are not copied.
Frequently asked questions

What people almost always ask

1Are Simúlalo's calculators exact?
They are deterministic calculations: the same input always returns the same output. What's estimated is the quality of the data you enter. If you declare a cost without subtracting commissions, a wrong rate, or an optimistic volume, the result deviates proportionally. Each calculator exposes its assumptions so you can verify they match your reality before deciding.
2Can I use the calculators for real tax decisions?
Tax calculators (VAT, net pay) use standard formulas and the percentages you declare at the start. They are useful for estimating and comparing scenarios. To file actual returns you need fiscal software certified by your authority (SAT, AEAT, DIAN, SUNAT, etc.) and a licensed accountant who knows your full regime. The calculators don't issue invoices, don't file returns, and don't apply operation-specific withholdings.
3What's the difference between a calculator and a simulator?
A calculator answers a specific question with a deterministic computation (how much VAT, what's the margin, what's the ROI). A simulator models a full scenario where several variables move at once and lets you compare three paths (base, conservative, aggressive). Start with a calculator when you know which question you need to answer; open a simulator when the decision depends on how everything moves together.
4Why are some figures estimates and not exact?
Because models assume the declared assumptions hold. In reality, a crisis changes rates, a recession changes churn, a strike changes delivery times. The calculator's value is not in predicting the future; it's in seeing how the result changes if assumptions move. That's why disclaimers ask you to validate important decisions with a professional.
5What data do I need to use them?
Each calculator declares its variable list at the top and ships with reasonable defaults. Most ask for between 3 and 6 inputs: price, cost, volume, rate, term. No mandatory file upload. If you're missing one specific data point, you can start with the default and replace it later; results update instantly.
6Do the calculators work for Mexico, Spain, and other LATAM countries?
Yes. Formulas are universal (margin, ROI, break-even, cash flow don't depend on country). What changes between countries are tax rates, banking fees, specific regulation, and currency — variables you declare when using the calculator. Currency is globally selectable; regulatory constants follow your jurisdiction.
7When should I consult a professional even if the calculator gives me a result?
Whenever the decision moves more capital than you'd be willing to lose to a wrong assumption. For everyday low-value decisions, the calculator plus a quick sanity check against your read of reality is enough. For loans, investments, business model changes, tax decisions, contracts, or legal structures: the calculator's result is the starting point of the conversation with an accountant, financial advisor, or lawyer, not its replacement.
Editorial review

Financial, tax, accounting and legal notice

Calculator results are illustrative estimates based on the data you enter. They do not constitute financial, tax, accounting, or legal advice. Models assume your inputs are correct; results change if assumptions change. For decisions affecting your wealth, taxes, financing, contracts, or rights, validate the numbers with a certified professional in your jurisdiction.

Simúlalo is not affiliated with, sponsored by, or endorsed by Banxico, SAT, CONDUSEF, CNBV, Banco de España, AEAT, IFRS, BIS, Banco de la República (Colombia), SUNAT (Peru), AFIP (Argentina), or any institution mentioned in the content.

Editorial review

Reviewed by the Simúlalo editorial team

This simulator was reviewed by the people listed below before being published. The review covers the declared formula, the model's assumptions, the explicit limitations, and the absence of unsupported financial claims.

They are part of the Simúlalo editorial team, focused on building financial tools that are clear, educational, and easy to interpret.

Last updated: We update this page when the methodology, sources used, or simulator structure change.

This tool uses standard financial formulas and user-supplied data. To explain concepts like rates, credit, risk, or cash flow we consult public and official sources (Banxico, SAT, CONDUSEF, CNBV, Banco de España, IFRS, BIS, among others). Simúlalo is not affiliated with, sponsored by, or endorsed by these institutions.

Start with the question

First identify which decision you need to close. Open the flagship calculator that answers it directly. If your question involves several variables moving together, open a simulator.

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Last updated: · Leonardo Millán Velázquez · Ana Cristina Vargas Robinson