Business & SaaS calculators
CAC, LTV, churn, ARR, rule of 40, and other SaaS unit-economics math.
All business & saas tools
22 tools, each runs locally in your browser. Click any card to open it.
Ad Spend ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. …
Amazon FBA Fee Calculator takes MRR, ARR, churn, customer count and returns the matching amazon fba fee result. Runs e…
ARR / MRR Calculator takes MRR, ARR, churn, customer count and returns the matching arr / mrr result. Runs entirely in…
Break-Even Calculator takes MRR, ARR, churn, customer count and returns the matching break-even result. Runs entirely …
CAC Calculator (SaaS) takes MRR, ARR, churn, customer count and returns the matching cac calculator (saas) result. Run…
Churn Rate Calculator takes MRR, ARR, churn, customer count and returns the matching churn rate result. Runs entirely …
CTR = clicks/impr. CPC = spend/clicks. CPA = spend/conversions.
Customer LTV Calculator (SaaS) takes MRR, ARR, churn, customer count and returns the matching customer ltv calculator …
Aim 30%+ margin after ad costs. Most dropship: 10-25% margin.
Fix and Flip ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding peri…
Freelancer Rate Calculator is a free career & income calculator that gives you a deterministic answer for freelancer r…
$300-600/yr coverage + service fees. Valid for older systems.
IRR Calculator computes internal rate of return from cash flow stream (initial outflow then inflows). Runs entirely in…
Loan-to-Value (LTV) Calculator takes home price, down payment, rate, term, taxes and returns the matching loan-to-valu…
NPV Calculator computes net present value at the discount rate from cash flow stream, discount rate. Runs entirely in …
Profit Margin Calculator takes MRR, ARR, churn, customer count and returns the matching profit margin result. Runs ent…
ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding period. Runs enti…
Runway Calculator (Startup) takes MRR, ARR, churn, customer count and returns the matching runway calculator (startup)…
Solar Panel ROI Calculator computes ROI percentage, annualised ROI from initial investment, final value, holding perio…
SS Break-Even Claim Age takes MRR, ARR, churn, customer count and returns the matching ss break-even claim age result.…
XIRR Calculator computes internal rate of return from cash flow stream (initial outflow then inflows). Runs entirely i…
Whole life insurance often markets the 'guaranteed cash value' as an investment. Calculate the actual internal rate of…
About business & saas
Business and SaaS calculators cover the unit-economics and runway math founders and finance teams revisit weekly: CAC, LTV, CAC payback period, churn (logo vs revenue, gross vs net), MRR, ARR, the Rule of 40, runway from burn, breakeven units, gross margin, contribution margin, freelance hourly rate, Amazon FBA fee calculation, and basic SaaS valuation multiples.
Use these tools to answer: what's our blended CAC for the last quarter, is our LTV:CAC ratio above 3:1, do we pass the Rule of 40 (growth + margin >= 40), how many months of runway at current burn, what monthly recurring revenue do we need to break even, and what hourly rate should I charge as a freelancer to net my target take-home.
Sources: David Skok's SaaS Metrics 2.0, Bessemer Cloud Index for multiples, Tomasz Tunguz on payback periods, Andreessen Horowitz unit economics primers. Defaults match SaaS conventions; toggle to ecommerce / agency where the tool branches.
Common use cases
Real scenarios where the business & saas calculators in this category earn their keep.
CAC payback period
CAC / (ARPU × gross margin %). Months to recoup acquisition cost. Best-in-class SaaS: under 12 months. Healthy: 12-18. Concerning: 18+.
Runway from cash + burn
Runway months = cash on hand / net monthly burn. The tool models a runway extension scenario at a target hiring or revenue pace.
Pricing for a target gross margin
Price = COGS / (1 - target margin). The pricing tool runs this with channel fees, payment processing, and tax considerations stacked in.
Freelance hourly rate
Target annual take-home / (billable hours × utilisation). Add self-employment tax, health insurance, retirement contributions, and 3 weeks unpaid leave to get to required gross.
Rule of 40 check
Annual revenue growth % + EBITDA margin % >= 40. A 50% grower at -10% margin passes; a 20% grower at 20% margin passes; both metrics matter.
Key terms
Glossary for the formulas and conventions these tools use.
- CAC
- Customer Acquisition Cost. Total sales + marketing spend in a period divided by net new customers added. Blended (all channels) or per-channel.
- LTV
- Customer Lifetime Value. ARPU × gross margin / churn (in the steady state). LTV:CAC of 3:1 or better is the canonical healthy ratio.
- MRR / ARR
- Monthly / Annual Recurring Revenue. ARR = MRR × 12. Drives SaaS valuation multiples; non-recurring revenue gets a lower multiple.
- Net Revenue Retention
- (Starting MRR + expansion - churn - downgrades) / starting MRR. Above 100% means expansion outpaces churn, growth even with no new logos.
- Rule of 40
- Growth rate % + profitability margin % >= 40. Heuristic for SaaS company health, used by growth investors as a screening rule.
- Burn multiple
- Net burn / net new ARR added. Below 1.0 = great; 1-2 = good; 2-3 = okay; 3+ = inefficient growth.
- Gross margin
- (Revenue - COGS) / Revenue. SaaS targets 75-85%; services 30-50%; ecommerce 20-50% depending on category.
Frequently asked questions
Short answers to the most common business & saas questions.