Calculate the key metrics of a SaaS business: MRR/ARR, monthly and annualised churn, Net Revenue Retention, LTV, CAC, LTV/CAC ratio, CAC payback in months and the Rule of 40, with verdicts against standard benchmarks.
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This dashboard computes the growth and commercial-efficiency metrics of a SaaS business from its MRR (Monthly Recurring Revenue): ARR, monthly and annualised (compounded) churn, Net Revenue Retention (NRR), LTV (customer lifetime valued at gross margin), CAC (customer acquisition cost), LTV/CAC ratio, CAC payback period and the Rule of 40 (growth + EBITDA margin). These management benchmarks, widely used across the SaaS industry with investors and boards, are not an accounting or tax standard.
An MRR of €100,000 with 2%/month churn, an 80% gross margin and 10 new customers acquired for €12,000 of sales & marketing spend (CAC €1,200) yields an LTV of roughly €40,000 and an LTV/CAC ratio of 33 — well above the healthy threshold of 3.
Enter your MRR at the start of the period, plus the expansion, contraction and churn observed over the period.
Enter your customer count at the start of the period and the new customers acquired.
Enter your gross margin (%) and the sales & marketing costs incurred over the period.
Enter your annual growth rate and EBITDA margin for the Rule of 40.
Read the verdicts against standard benchmarks (LTV/CAC ≥ 3, payback ≤ 12 months, Rule of 40 ≥ 40%).
Last data update
July 4, 2026
Sources and references
Standard SaaS reporting practice (usual investor/board metrics) — management benchmarks, not a regulatory standard.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
The usual industry benchmark is an LTV/CAC ratio of at least 3: the value a customer generates over their lifetime should be at least 3× their acquisition cost for the business model to be considered healthy.
Annualised churn is not simply monthly churn × 12: you compound monthly retention over 12 months, i.e. annualised churn = 1 − (1 − monthly churn)^12.
The usual benchmark is a CAC payback (time to recover the acquisition cost through gross margin generated) of 12 months or less, though this threshold varies with the company's maturity and funding model.
The Rule of 40 is met by combining growth and profitability: a fast-growing company (e.g. 50%) can run a negative EBITDA margin (−10%) and stay on target (40), while a mature company must offset slower growth with higher profitability.
MRR (Monthly Recurring Revenue) is monthly recurring revenue; ARR (Annual Recurring Revenue) is its annual projection (MRR × 12). ARR is the preferred metric for communicating the size of a SaaS business to investors.