Financial simulation platform

Simulate the scenario before committing money, inventory, or time

A business can sell more and still run out of cash. It can raise prices and lose margin. It can approve credit and destroy profitability. Deciding without seeing scenarios is the most expensive source of mistakes that get corrected late and badly. These simulators let you watch the movie before acting.

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The problem

The mistake that gets paid for later

The problem is rarely in operations. It's in the decision made three months earlier with a hastily built spreadsheet, an optimistic forecast, and two assumptions nobody discussed. Simulators don't fix operations; they fix the table where the decision is made.

If you decide blindly, it's not 'bad luck when things go wrong'. It's probability. With three scenarios and assumptions visible, what looked like a surprise becomes a risk that was already on the list — one you decided to take.

Cost of not simulating

What happens when you don't compare scenarios

  • Mispriced products that destroy margin without anyone noticing until the quarterly close.
  • Broken cash flow where the business grows in revenue but runs out of liquidity in month 6.
  • Excess inventory that locks capital and triggers obsolescence on long-tail SKUs.
  • Underestimated credit risk: 'healthy' portfolio that breaks RAROC at the first moderate stress.
  • Campaigns without clear ROI because total acquisition cost and churn-adjusted LTV were never measured.
  • Capacity decisions on intuition: a new warehouse when a mezzanine would have solved 18 months of growth.
From doubt to decision

How Simúlalo changes the starting point

Before

Intuition, scattered spreadsheets, isolated numbers. Meetings where each area defends its forecast and nobody verifies the cross-cutting assumptions.

After

Comparable scenarios, visible variables, and interpretable results. A conversation where the question stops being 'what number did you put in' and starts being 'which assumption changed'.

Methodology

How each simulator is built

Every simulator runs on a deterministic engine: explicit formulas, no black box, methodology and sources in plain sight. On top of the engine sit editable assumptions — every parameter can be tuned and compared across scenarios. Results are interpreted with comparable KPIs and alerts that fire when a scenario breaks a relevant threshold.

The optional AI interpretation reads the KPIs the engine produced and summarizes risks and actions; it never invents data. External sources (Banco de México, Banco de España, BIS, IFRS, CONDUSEF, SAT, technical literature) are consulted to paraphrase concepts, never to copy text. Each simulator documents its limits: what the model does not do is written before what the model does.

Editorial review →

Ten simulators

Each simulator answers a specific decision

Organized by the decision they help close, not by feature. Open the one that matches today's question.

Hypothetical caseCross-cutting example

How four simulators look together in a real decision

An SMB retailer plans to enter a second city. Before committing Capex, they use four simulators in order: pricing (does the new city's ticket sustain margin under higher logistics costs?), cash flow (does the upfront investment fit within the next 9 months without an extra credit line?), last mile (does the per-delivery cost in the periphery sustain the declared profitability?), and delivery routes (does first-quarter expected density justify in-house fleet or does 3PL win?). Hypothetical case, illustrative figures: the exercise does not represent a real company or a recommendation.

Frequently asked questions

What people almost always ask

1Do the simulators give exact results?
No. They are deterministic models on top of editable assumptions. They give you illustrative results to compare scenarios. Accuracy depends on the quality of the data you feed in and the judgment applied to assumptions. That's why every simulator documents its limits before showing numbers.
2Can I use them if I'm not a finance or operations expert?
Yes. Simulators ship with sector presets, contextual help on each variable, and an optional interpretation that explains the results. If you've never worked with KPIs like RAROC, Sharpe, or LTV:CAC, presets give you a reasonable starting model and the methodology explains how each metric is calculated.
3Do they work for Mexico, Spain, or the rest of LATAM?
Yes. The formulas are universal (margin, RAROC, Sharpe, TTR don't depend on country). What changes between countries are reference rates, VAT, credit regulation, and logistics costs — variables you declare when using the simulator. Presets cover the typical ranges for Mexico, Spain, Colombia, Chile, Argentina, Peru, and other markets.
4Do they replace an accountant, financial advisor, or consultant?
No. Simulators speed up the conversation with a professional, they don't replace it. They help you walk into the meeting with sharper questions, visible assumptions, and scenario comparisons. Decisions that move beyond a few thousand pesos in operations should be validated with a certified professional.
5What data do I need to use them?
Each simulator asks for between 5 and 15 variables from your operation: revenue, cost, margins, collection terms, churn, capacity, etc. Sector presets fill reasonable defaults so you can start even if a specific data point is missing; replace those defaults with your real numbers before making the decision.
6Why are the results estimates?
Because models assume the declared assumptions hold. In reality, a crisis changes rates, a recession changes churn, a strike changes TTR. A simulator's value is not in predicting the future; it's in showing how the result changes if assumptions move. That's why the simulator forces you to compare scenarios, not to settle on one.
7Can I make final decisions with this alone?
For everyday low-value decisions, yes — after sanity-checking the result against your read of reality. For high-impact decisions (major financing, geographic expansion, pricing model change), use them as pre-screening tools and back the final decision with a professional.
Risk reduction

What these simulators promise

What these simulators promise

  • Illustrative results on top of editable assumptions.
  • Comparison between base, conservative, and aggressive scenarios.
  • Deterministic KPIs and alerts: if a scenario breaks a threshold, the simulator flags it.
  • A clearer read of the problem before committing resources.
  • Identification of critical assumptions: where a small change breaks the decision.

What they do NOT promise

  • They do not promise profits or future returns.
  • They do not promise credit, regulatory, or investment approval.
  • They do not replace financial, tax, accounting, or legal advice.
  • They do not predict demand, churn, or market behavior.
  • They do not guarantee that the base scenario becomes reality.
Editorial review

Financial notice

Results are illustrative estimates and do not constitute financial, tax, accounting, or legal advice. Use the results as a reference point and validate important decisions with a certified professional.

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.

Stop deciding blindly

Simulate the scenario before committing money, inventory, or time. Every simulator is free, assumptions are editable, and the methodology is in plain sight.

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