A computer method, apparatus and system simulate hydraulic fracturing. The computer system/method models a wellbore of an injection well. The wellbore model includes a hydraulic drill pipe element in a borehole and related fluid flow in the borehole. The borehole workflow is modeled in a subject rock formation. A simulator operatively coupled to the model obtains pressure values from the modeled borehole workflow and modeled wellbore. The simulator automatically converts pore pressure from the modeled borehole into a mechanical pressure load on the subject rock formation. The mechanical pressure as hydrostatic pressure is automatically applied to the surface of the rock formation affected by the borehole and responsively defines one or more pressure induced fractures. A 2D or 3D graphical representation of the pressure induced fractures in the rock formation are displayed on output.