What is SaaS Metrics Calculator?
Free SaaS metrics calculator computing MRR, ARR, ARPA, gross/net churn, GRR, NRR, LTV, LTV:CAC, CAC payback, and Rule of 40. Industry-canonical formulas (Bessemer, OpenView). No signup.
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Free SaaS Metrics Calculator
Enter one period's MRR movement (starting MRR + new + expansion − contraction − churn) plus customer count and CAC and get all the SaaS metrics that growth-stage investors and operators actually use. LTV via Bessemer formula. Rule of 40 health check. Industry benchmark targets for each metric.
MRR movement (this month)
Unit economics
SaaS benchmark: 70-90%. Includes hosting, support, payment processing.
Rule of 40 inputs
Negative = burning. Healthy SaaS: growth + EBITDA ≥ 40.
MRR
$115,000
ARR: $1,380,000 · ARPA: $460/mo
LTV:CAC
2.3:1
Target ≥ 3:1
CAC payback
14.5mo
Target ≤ 12mo
GRR
97.0%
Target ≥ 90%
NRR
100.0%
Target ≥ 110%
Rule of 40
50 ✓
MRR
$115,000
LTV:CAC 2.3 · Rule of 40: 50
ARR
$1,380,000
LTV:CAC
2.3:1
The SaaS metrics that actually matter
SaaS investors and operators have converged on a small set of metrics that predict long-run business health. This calculator computes all of them from a single period's MRR movement, plus customer count and CAC.
The MRR waterfall
- New MRR: revenue from new customers acquired this period
- Expansion MRR: existing customers upgrading or buying more seats
- Contraction MRR: existing customers downgrading (not churning)
- Churned MRR: customers who cancelled entirely
- Net new MRR = New + Expansion − Contraction − Churn → MRR growth in the period
Retention metrics — GRR vs NRR
Gross Revenue Retention (GRR) = 100% − gross churn rate. Tells you how much revenue you keep from existing customers, EXCLUDING expansion. Target ≥ 90% for healthy SaaS; great = 95%+.
Net Revenue Retention (NRR) = 100% + expansion rate − churn rate. Includes expansion, so it can exceed 100% — meaning your existing customer cohort grew revenue this period even without acquiring new customers. Target ≥ 110% for healthy SaaS; world-class = 130%+. Snowflake at IPO: 158%. The metric Wall Street cares about most.
LTV and the LTV:CAC ratio
Bessemer's LTV formula: LTV = ARPA × gross margin ÷ monthly churn rate. So an SMB SaaS at $400 ARPA, 75% gross margin, 3% monthly churn → LTV = $400 × 0.75 ÷ 0.03 = $10,000. That's the average lifetime customer value (gross-margin-weighted).
LTV:CAC ratio = LTV ÷ Customer Acquisition Cost. Target ≥ 3:1 for a healthy growth-stage SaaS. Below 1:1 means you're paying more to acquire customers than they're worth. Above 5:1 often signals you're under-investing in growth (could spend more to acquire more).
CAC payback months
CAC payback = CAC ÷ (ARPA × gross margin). How many months of gross profit it takes to recover the cost of acquiring the customer. Target ≤ 12 months for healthy SaaS; ≤ 6 months is excellent. Longer payback is acceptable for very-low-churn enterprise but problematic for transactional SMB.
The Rule of 40
YoY revenue growth % + EBITDA margin % ≥ 40%. Coined by Brad Feld and now ubiquitous as the single-number health check for growth-stage SaaS. A company growing 60% with −20% EBITDA passes (60 + −20 = 40); a company growing 30% with +20% EBITDA also passes (30 + 20 = 50). Public SaaS comps trade at higher multiples when above 40.
Frequently Asked Questions
What's the difference between GRR and NRR?+
GRR (Gross Revenue Retention) measures retained revenue EXCLUDING expansion — capped at 100%. NRR (Net Revenue Retention) INCLUDES expansion and can exceed 100%. Healthy SaaS: GRR ≥ 90%, NRR ≥ 110%. NRR > 100% means your existing customer cohort grew revenue this period without acquiring new customers — the metric Wall Street values most.
What's a healthy LTV:CAC ratio?+
Target ≥ 3:1 (you make $3+ for every $1 spent acquiring). Below 1:1 means you're losing money per customer. Above 5:1 often signals you're under-investing in growth — there's room to spend more on acquisition and accelerate. Pair with CAC payback for a complete picture.
How is LTV calculated?+
Bessemer formula: ARPA × gross margin ÷ monthly churn rate. So $400 ARPA × 75% gross margin ÷ 3% monthly churn = $10,000 LTV. The formula assumes constant churn and ARPA over the customer lifetime — useful directional metric, not a measured value.
What's CAC payback?+
Months it takes to recover the customer acquisition cost from gross profit. CAC ÷ (ARPA × gross margin). Target ≤ 12 months for healthy growth-stage SaaS; ≤ 6 months is excellent; > 24 months problematic except for very-low-churn enterprise.
What is the Rule of 40?+
YoY revenue growth % + EBITDA margin % ≥ 40%. Coined by Brad Feld; now the single-number health check for growth-stage SaaS. 60% growth − 20% EBITDA = 40 (passes). 30% growth + 20% EBITDA = 50 (passes). Public SaaS trading multiples are strongly correlated with this number.
How should I compute CAC?+
Fully-loaded: total sales + marketing spend (people, tools, paid media, content, events, ramp time) ÷ new customers acquired. Not just paid media. For accurate LTV:CAC, include the salary of your sales reps, not just their commission.
What if I have annual contracts?+
Convert to MRR for these metrics. A $12,000 annual contract = $1,000 MRR for the purposes of the SaaS metrics framework. ARR (which is just MRR × 12) reflects the run-rate, not the cash collected — annual prepay just affects working capital, not the unit-economic story.
Is my data stored?+
No. All math runs in your browser. MRR, customer count, and financials never touch any server.
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