LTV:CAC calculator for SaaS

Enter your ARPA, gross margin, monthly churn and CAC to get your customer lifetime value, your LTV:CAC ratio and your CAC payback period. A healthy LTV:CAC is 3 or higher; below 1.5 means you lose money per customer.

ARPA / monthi

€

Gross margini

Monthly churni

CACi

€

LTV : CACiLTV:CAC = euros of lifetime value per euro spent acquiring a customer. 3+ is healthy.

6.7×

LTViLTV = lifetime value: the total gross profit an average customer leaves before they churn.

2,000 €

CAC paybackiCAC payback = how many months a customer takes to repay what it cost to acquire them.

3.8 mo

✅At or above 3× — each customer is worth well more than it costs to acquire.

LTV:CAC benchmarks →

LTV = ARPA × gross margin ÷ churn. Early-stage figures are noisy; treat as directional.

See your full unit economics, not just one ratio.

The model checks LTV:CAC, payback, burn multiple and more against stage benchmarks, and tells you if your SaaS holds up.

Build your full model →

Last updated: June 25, 2026. For information only — not financial advice.