Customer Lifetime Value Calculator for SaaS: LTV:CAC Ratio & Metrics

SaaS Customer Lifetime Value (LTV) Calculator

Calculate Customer Lifetime Value, LTV:CAC Ratio, and optimize your SaaS business metrics with real-time economic data.

FRED API: Connected HubSpot API: Connected Amplitude API: Connected

Revenue Metrics

Monthly ARPA/ARPU ⓘAverage Revenue Per Account/User per month. If you charge annually, divide by 12.

$

$10$500$1000

Gross Margin ⓘPercentage left after direct costs (hosting, support). SaaS avg 70-90%.

%

50%75%95%

Annual Upsell/Expansion %

Revenue Segmentation

FRED Economic Datalive

Discount Rate

5.25%

Inflation Rate

3.2%

SaaS WACC

9.8%

LTV = ARPA × Gross Margin × (1 ÷ Monthly Churn) → $100 × 0.80 × (1 ÷ 0.03)

Retention & Churn

Monthly Churn Rate (%) ⓘPercentage of customers who cancel each month. SaaS average 2-8%

%

0.5%8%15%

Annual Churn Rate

30.5%

Amplitude Behavior Datalive

Avg Session

4.2 min

Feature Adoption

72%

Retention Corr.

0.85

Avg. Customer Lifetime

33.3 months

Customer Half-Life

23.1 months

Retention Curve (12 months)

Customer Acquisition Cost (CAC)

Total CAC ($) ⓘTotal cost to acquire one customer (marketing+sales)

$

CAC Payback Goal (months)

HubSpot CRM Datalive

Avg Deal Size

$1,250

Sales Cycle

45 days

Win Rate

28%

Marketing Spend %

Sales Cost %

Actual Payback Period

3.8 months

Status vs. Goal

Ahead of Target

📊 LTV Results & Benchmarks

Customer Lifetime Value (LTV)

$2,667

Gross Margin Adjusted

Nominal LTV: $2,667

Real LTV (inflation adj): $2,543

NPV LTV (discounted): $2,189

Monthly ARPA: $100

Avg Lifetime: 33.3 months

Gross Margin: 80%

Simple LTV: $3,333

LTV:CAC Ratio

8.9:1

LowGoodExcellent

Excellent Ratio

Key Metrics Snapshot

CAC

$300

Payback

3.8 mo

Churn

3.0%

Lifetime

33.3 mo

Business Health

LTV:CAC

Excellent

CAC Payback

Good

Churn Rate

Moderate

Gross Margin

Strong

SaaS Benchmarks: LTV:CAC 3-5:1 | CAC Payback <12mo | Churn <5% monthly

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© SaaS LTV Calculator — Integrated with FRED, HubSpot, Amplitude APIs.