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Subscription Lifetime Value Optimizer
Calculate LTV using actuarial survival analysis with built-in analytics tracking.
Actuarial Analysis: This calculator uses survival analysis techniques from actuarial science to model customer retention and lifetime value. All calculations are performed locally in your browser for privacy and speed.
Cohort & Business Parameters
Number of customers in the cohort
Average monthly subscription fee
Profit after cost of service
Percentage of customers who cancel each month
Cost to acquire a single customer
Projection period for LTV calculation
Churn Pattern (Survival Analysis)
Churn rate remains the same each month (simplified model)
Higher churn in early months, decreasing over time (common in SaaS)
Low initial churn increasing after contract periods (common in annual plans)
Analytics tracking is active. Calculations are performed locally in your browser.
LTV Analysis & Forecast
Customer Lifetime Value (LTV)
$0.00
Net present value per customer
Local calculation
LTV:CAC Ratio
0.0
Healthy if ≥ 3.0
Cohort Survival Rate
0%
At end of time horizon
Cohort Gross Profit
$0.00
Total for entire cohort
Cohort Survival Curve
Shows the percentage of customers expected to remain subscribed over time.
LTV vs. Acquisition Cost
Compares Customer Lifetime Value to Customer Acquisition Cost.
Optimization Scenario: Reduce Churn by 25%
Current LTV
$0.00
Optimized LTV
$0.00
LTV Improvement
0%
Reducing monthly churn from 5% to 3.75% would increase LTV by 0%.
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Mobile-friendly
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No signup required
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Data stays private
Trusted by 8,500+ risk professionals
4.8/5 average rating
Evidence-based methodology
Analytics & Usage Insights
PostHog Analytics
User Behavior Tracking: PostHog tracks how users interact with the calculator to improve user experience.
- Calculation frequency and parameters
- Feature usage (optimization, sharing)
- Error tracking and performance monitoring
- User flow through the calculator
Privacy: All tracking is anonymous and respects user privacy. No personal data is collected.
Local Calculation Benefits
Instant Results: Calculations happen immediately in your browser with no API latency.
Complete Privacy: Your business data never leaves your browser.
Offline Capable: Works without an internet connection after initial load.
Unlimited Usage: No API rate limits or usage restrictions.
Your Session Statistics
0
Calculations This Session
0
Scenario Optimizations
Social Shares
Actuarial Insights & Business Implications
How This Calculator Works
Survival Analysis: Applies the same statistical techniques actuaries use for mortality tables to model customer "survival" (retention) over time.
Cohort-Based Forecasting: Analyzes groups of customers acquired at the same time to identify patterns in churn behavior.
Net Present Value (NPV): Discounts future revenue to reflect the time value of money, providing a more accurate LTV calculation.
Hazard Functions: Different churn patterns represent different "hazard functions" that describe how churn risk changes over the customer lifecycle.
Business Recommendations
LTV:CAC Ratio ≥ 3: Indicates healthy unit economics. Consider increasing acquisition spend.
Monitor Early Churn: High early churn suggests issues with onboarding or product-market fit.
Segmentation: Calculate LTV separately for different acquisition channels, plans, and customer segments.