Business Stress-Test Simulator

Revenue down 10%, costs up 15%, rates up 2%: see what happens to profit, EMI cover and cash runway, side by side.

Your business today

base case
Materials/stock/delivery that scale with sales
Rent, salaries, utilities — EMI goes separately
Used to compute runway in losing scenarios

Scenario levers

apply to the scenario column
Without a loan amount entered, ≈1.5% EMI move per point (indicative)
Base → scenario
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Reading the table: profit is revenue minus everything. Cash flow equals profit here (no non-cash items modelled). Working capital is one month of total outflows × the months you choose to hold. Runway appears only in losing scenarios — cash on hand ÷ monthly shortfall.

Methodology & assumptions

how this number is produced

Profit = revenue − (revenue × variable%) − fixed − EMI · Break-even = (fixed + EMI) ÷ (1 − variable%) · Runway = cash ÷ monthly shortfall

Assumptions

  • Variable costs stay proportional to revenue in the scenario
  • Cost scenarios apply to operating costs; debt service changes only via the rate lever
  • Rate scenarios recompute the EMI from the entered loan amount and tenure when provided
  • Without a loan amount, rate scenarios use an indicative ≈1.5% EMI move per percentage point

Limitations

  • No seasonality, tax, or non-cash items (depreciation) — disclosed simplification
  • Receivable delays are not modelled; use the working capital calculator for that view
  • Single-period snapshot, not a monthly cash-flow projection

Results are informational estimates produced by MyCapitalverse's own models. They are not financial advice and may differ from how a lender, insurer or authority computes the same figure.

Verified 2026-09Next review: 2027-02-28Methodology & verification →Verify current terms before applyingReport outdated info

How to use the Business Stress-Test Simulator

  1. Enter monthly revenue, costs and loan EMIs.
  2. Pick the scenarios to test.
  3. Compare profit and runway across scenarios.

About this tool

Runs your numbers through bad-case scenarios so you can see which one breaks the business first.

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

What does a 10% revenue drop do to profit?

With high fixed costs, a 10% fall in revenue can cut profit by far more than 10%. The simulator shows the exact effect.

How is runway calculated?

Cash in hand divided by monthly loss. If the business is profitable, runway is not limited by losses.