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Which tool do you need today?

Quick calculators answer a single question fast. Advanced simulators model decisions where several variables move together.

Simúlalo is a catalog of financial and operational tools for SMBs and operators. Each calculator answers a single question with the formula in plain view — break-even point, VAT/sales tax, profit margin, ROI, cash flow, SaaS churn and LTV, EOQ and reorder point. The advanced simulators model full scenarios when several variables move at once: 12-month cash flow, pricing with sensitivity, credit risk with stress test, warehouse capacity and last-mile cost. Every tool is free and the calculations are deterministic — the formula is replicable by hand and the assumptions are editable.

Want to model full scenarios?

Several variables at once, scenario comparison and auditable KPIs.

See all 10 simulators

Cash Flow

Simulator

Describe your business, model 12 months across 3 scenarios with KPIs, alerts and AI interpretation.

Pricing & Profitability

Simulator

Compare pricing scenarios, analyze sensitivity and find your optimal profit.

Credit risk

Simulator

Evaluate RAROC, expected loss and stress testing per portfolio segment.

Subscription pricing

Simulator

Model multi-tier strategy (Basic/Pro/Enterprise) with LTV:CAC, MRR and upgrades.

Need a quick number?

One question, one answer in seconds. No sign-up.

See all 37 calculators

CAC Payback and Magic Number Calculator

Measure your customer acquisition efficiency: CAC, payback in months, and SaaS Magic Number. Decide when to scale paid acquisition with confidence.

SaaS LTV and Churn Calculator

Calculate the real LTV of your SaaS customers from monthly churn, ARPU and gross margin. Find out if your CAC is sustainable with LTV:CAC and payback ratios.

Cohort Retention Calculator

Project how a cohort of customers decays over time and the cumulative revenue it generates at 3, 6 and 12 months. Compare cohorts to detect product-led changes.

Seasonal Demand Planning Calculator

Project monthly demand using 12 seasonal factors, identify peak and trough months, and plan staffing or inventory adjustments with appropriate lead time.

EOQ and Reorder Point Calculator

Calculate the economic order quantity (EOQ), reorder point (ROP) and safety stock for any SKU. Optimize inventory cost and service level with the Wilson model.

Occupancy Break-Even Calculator

Calculate the minimum occupancy needed to cover fixed costs in capacity-limited businesses (hotels, restaurants, services). Compare against your expected occupancy.

Gross to Net Salary Calculator

Convert gross salary to net pay across 7 countries with official 2026 tax tables and contributions.

Personal Loan Calculator

Personal, auto, or consumer loan simulator. Monthly payment, total interest, and amortization table.

Tools by industry

Looking for something in your industry?

Each industry shows how many functional tools are live today.

E-commerce & Retail6SaaS & Technology7Finance & SMBs4Restaurants & Food Service4Real Estate2Manufacturing & Production1Hospital Management2Professional Services5EdTech & Education2Marketing & Advertising3Human Resources1
What you'll find in this catalog

Simúlalo groups all tools into two complementary levels. Quick calculators solve a specific question: how much you need to sell to cover expenses, the real margin a product leaves after VAT and fees, the return to expect from a particular investment. They're useful when you already have the numbers in front of you and want an answer in seconds, without opening a spreadsheet. Each calculator ships with its explicit formula, a real numeric example and notes on when it actually applies — so you understand the math, not just the output.

Advanced simulators solve the next level: what happens when several variables move at once. This is where 12-month cash flow, pricing with scenario sensitivity, credit risk with stress tests, warehouse capacity with bottlenecks, and last-mile cost per zone live. Each simulator starts from sector-calibrated presets and lets you edit any assumption by hand; results come paired with comparable KPIs, deterministic alerts and an optional AI interpretation that summarises risks and actions. The point is to give you a second opinion grounded in your own numbers, not a generic consulting report.

Where to start. If the question is concrete — how much to raise the price, what real margin I have, when I hit break-even — open the matching calculator from the grid below. If the question is strategic — when to expand capacity, which subscription tier is weakest, what happens if I lose my main supplier — open the simulator. All tools are free and require no sign-up for the core calculations; sign-up is only requested to save scenarios or to connect the business monitor.

How to get the most out of the catalog

  • Start with the industry. The "By industry" grid filters simulators and calculators by sector — restaurants, e-commerce, SaaS, manufacturing, professional services — so you see the tools that match your context first.
  • Read the methodology before making large decisions. Every simulator documents its assumptions, formulas and external sources in the lower panel. If you're going to present a number to a committee or to a bank, that documentation is the difference between a defensible result and a questionable one.
  • Combine tools. A typical case: break-even + cash flow + pricing. The first tells you how many units you need to sell, the second when the money comes in and out, the third whether the current price is still viable. The three cross-feed each other and a change in one moves the others.
How this catalog is maintained

One platform, two depths

Simúlalo's tool catalog is split into two levels so you enter through the right question, not through the flashiest tool. Calculators answer specific questions in seconds: how much VAT you owe, what the unit margin is, when you recover an investment. Simulators compare full scenarios when several variables move at once: price, volume, churn, risk, capacity. Every tool ships with a visible formula, editable assumptions, and declared limits. This page is the index; deep editorial content lives inside each tool and in the specialized hubs.

Not sure where to start? Ask first which decision you need to close.

You need a quick number

A specific answer with three inputs: price, cost, volume. VAT, margin, ROI, net pay, mortgage. Open a calculator.

Browse calculators

You need to compare scenarios

You want to see what happens if you raise price 8%, what happens if you lose a supplier, what happens if churn rises 1.5 points. Open a simulator.

Browse simulators
Before you start

Frequently asked questions about Simúlalo's tools

1What's the difference between a calculator and a simulator?
A calculator answers a specific question with a deterministic computation (how much VAT on this invoice, what the margin on this product is, what the ROI of this investment is). 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.
2Do I need to create an account to use the tools?
No. Calculators and simulators run without an account or credit card. If you create a free account, you can save scenarios, export results, and receive an optional interpretive summary. That's the only difference and it's documented in each tool.
3Are the results suitable for presenting to a bank or investor?
They serve as a starting point to prepare the conversation. For a formal credit application or an investment round, you'll need auditable financial statements, backed assumptions, and the methodology your accountant or CFO uses. Simúlalo's results are illustrative: they help you walk into that meeting with sharper questions, not with the final numbers that close the transaction.
4What data do I need to start?
Each tool declares its variable list at the top and ships with sector presets that fill reasonable defaults. A typical calculator needs 3 to 6 inputs (price, cost, volume, rate, term). A simulator asks for between 8 and 15 variables and lets you edit all of them. There's no mandatory file upload; CSV/XLSX are optional in simulators that accept them.
5Do the tools work in Mexico, Spain, and the rest of LATAM?
Yes. The formulas are universal (margin, ROI, RAROC, Sharpe, TTR don't depend on country). What changes between countries are reference rates, VAT or local equivalents, and specific regulation — variables you declare when using the tool. Presets cover the typical ranges for Mexico, Spain, Colombia, Chile, Argentina, Peru, and other markets, and currency is selectable.

Financial notice

Calculators and simulators return illustrative estimates based on the data you enter. They do not constitute financial, tax, accounting, or legal advice. For decisions that affect your wealth, taxes, or financing, validate the results with a certified professional in your jurisdiction.

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.

Business Tools — Free Calculators and Simulators | Simúlalo