Quick answers

Need a quick number?

Break-even, VAT, margin, ROI, CAC payback. Enter your data and get a clear answer — no spreadsheet, no sign-up.

The Simúlalo calculators are free online financial tools that answer single-question math without opening a spreadsheet. They cover the basic calculations any SMB reviews with its accountant or bank — break-even point, VAT with country-configurable rate, profit margin including platform fees, ROI with adjustable horizon, cash flow with collection and payment days. Every calculator shows the formula above the result and a numeric example so you understand the math, not just the number. When your question involves several variables moving at the same time, open the matching simulator: it lets you compare scenarios and pinpoint where the real risk lives.

Need more depth? Advanced simulators model complete scenarios.

View advanced simulators
What calculators are for

Quick calculators answer specific financial questions without making you open a spreadsheet or sign up. Each one is focused on a single calculation — break-even, VAT, profit margin, ROI, basic cash flow — and returns a clear result with the formula in plain sight. The point is that you understand what's being calculated, not just the final number, so you can defend the result to a partner, an accountant or a bank.

When to use a calculator instead of a simulator. The calculator is the right tool when you already have all the inputs and just need to operate (e.g., you have price, cost and fixed costs and need the break-even). It's the wrong tool when several assumptions move together (e.g., raise price → volume drops → margin grows — that's a simulator with sensitivity analysis, not a calculator).

How to get more out of each calculation. (1) Read the "Common mistakes" section before keying in numbers: most misleading results come from classifying a cost wrong or skipping a charge (payment-gateway fee, shrinkage, returns). (2) Recompute when the business changes: a calculator run once at launch and never refreshed is barely useful six months later. (3) When a result surprises you, open the simulator on the same topic — there you can move several variables and see where the real risk is.

How to work with the results

  • Each calculator shows the explicit formula above the result. If a number looks odd, go back to the formula and check which input is driving it; it's usually a variable cost that's mis-estimated or a margin calculated on cost instead of on price.
  • Calculators are deterministic: same input, same result. No hidden AI or heuristics. That makes them defensible to a committee, a tax authority or a bank — the calculation is replicable by hand.
  • If your question is "what if" rather than "how much", you probably need a simulator. The calculator gives you the current number; the simulator shows how it moves when the assumptions change.
How to choose

Which calculator to open based on the question

Calculators are grouped by intent. First identify the decision you need to close, then enter through the matching row.

  • I want to know whether a product leaves any margin

    Margin and minimum price

    Start with profit margin and break-even. If your product goes to a marketplace, also include variable commissions.

  • I want to know how much VAT or income tax to pay

    Taxes

    VAT and net pay calculators. If you sell to another country, validate the applicable tax regime before invoicing.

  • I want to see whether an investment is worth it

    ROI and return

    ROI, present value, payback. For assets with recurring cash flow, also factor in compound interest and demand projection.

  • I want to understand if my business can repay a loan

    Capacity and costs

    Break-even, simple cash flow, fixed vs variable costs. Before signing, open the advanced cash flow simulator.

  • I want to project sales or demand

    Projection and seasonality

    Seasonal demand, linear projection, cohort retention. Useful when you're about to commit inventory or capacity.

Most asked

Frequently asked questions about the calculators

1What do these calculators do that an Excel spreadsheet doesn't?
Every calculator surfaces the formula, the assumptions, and the methodology next to the result, validates ranges, and warns when a value breaks the model (price below cost, negative volume, unrealistic term). A spreadsheet can do the math too, but it doesn't tell you when an assumption is inconsistent and it doesn't document the source. Here it does.
2Are the results exact or estimates?
They are deterministic calculations: the same input always returns the same output. What's an estimate is the input quality. If you declare a price without subtracting commissions, the margin result is also inflated. Each calculator exposes its assumptions so you can verify they match your reality before deciding.
3How do I choose which calculator to use?
First identify the specific question: how much to pay, how much to sell, when to recover. If the question involves a single variable that moves, a calculator is enough. If it involves two or more variables that intersect (price AND volume, churn AND CAC), open a simulator instead.
4Can I trust these numbers to file my taxes?
Tax calculators (VAT, net pay) use standard formulas and the legislative percentages you declare at the start. They're useful for estimating and comparing scenarios. To file actual returns you need the official reports from SAT, AEAT, DIAN, SUNAT, or your local equivalent — those fall outside Simúlalo and are filed with your accountant.
5Do the calculators work across currencies and countries?
Currency is globally selectable and formatting respects locale. Tax rates, banking fees, and sector benchmarks are declared by you per country. Formulas are universal; regulatory constants follow your jurisdiction.

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.