SimFin: Simulador Financiero

SimFin makes it easy to project your financial decisions before taking out loans or making investments. Calculations are performed locally—no internet connection or external servers required to guarantee the privacy of your information.

🏦 LOAN SIMULATOR
• Calculate your projected monthly payment using the French amortization system.

• Compare the offered interest rate against the current usury limit (Superfinanciera).

• Simulate extra payments to visualize potential interest savings.

• Includes variables such as borrower life insurance, processing fees, and GMF (Financial Transactions Tax).

• Generate a detailed monthly payment plan.

📈 CERTIFICATE SIMULATOR
• Project the return on your certificates at various terms.

• Automatically apply withholding tax (Art. 395 E.T.).

• Tool to visualize the projected growth of your assets.

💸 GMF CALCULATOR (4x1000)
• Calculates the estimated tax on bank transactions.

• Includes parameters for the monthly exemption limit (UVT).

✅ WHY SIMFIN?

• Reference usury rates according to SFC Resolutions.

• Updated UVT parameter for 2026.

• No advertising, no registration, and no requests for critical privacy permissions.

• Allows you to save and compare multiple simulations locally.

A tool designed for users who want to understand financial costs before committing to banking products in Colombia.