Unit Economics Calculator

Your Numbers

Acquisition Cost

Customer Acquisition Cost (CAC) ?

New Customers / Month ?

/mo

Revenue & Margin

Avg Monthly Revenue Per Customer ?

Gross Margin ?

Expansion Revenue Rate ? (optional)

%/mo

Customer Lifetime

Monthly Churn Rate ?

%/mo

📈

Enter CAC, monthly revenue per customer, gross margin and churn rate to generate full unit economics analysis.

Lifetime Value (LTV)

—

gross profit per customer

Acquisition Cost (CAC)

—

cost to acquire

—

LTV:CAC ratio

—

CAC Payback Period

—

months to recover CAC

Gross Profit / Customer

—

monthly gross profit

Implied Lifetime

—

average months

Annual Revenue / Customer

—

annualised

LTV Accumulation — When Does a Customer Pay Back CAC?

Cumulative gross profit CAC threshold

Cohort Economics — Cumulative Gross Profit Per Customer

Metric	Month 1	Month 3	Month 6	Month 12	Month 24	Month 36

Churn Sensitivity Analysis How LTV:CAC changes with churn rate

Monthly Churn	Lifetime (mo)	LTV	LTV:CAC	Payback	Rating

Fintech Unit Economics Benchmarks

Stage / Type	LTV:CAC	CAC Payback	Gross Margin
Your Business	—	—	—
Early-stage fintech (seed)	2–3×	12–20 mo	40–60%
Growth-stage fintech (Series A)	3–5×	8–14 mo	55–70%
VC raise threshold	≥ 3×	≤ 18 mo	> 50%
Best-in-class SaaS/fintech	5–10×	6–10 mo	70–85%
Payments/interchange model	4–8×	8–16 mo	30–55%

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