--- title: "SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator | FoundrList Free Tools" description: "Calculate Customer Lifetime Value (LTV), LTV to CAC ratio, and CAC payback period in months from ARPU, gross margin, and churn." ai_summary: "SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator: Calculate Customer Lifetime Value (LTV), LTV to CAC ratio, and CAC payback period in months from ARPU, gross margin, and churn. Free browser-based saas & startup finance tool on FoundrList with instant calculations, industry benchmarks, and Markdown (.md) export." canonical_url: "https://www.foundrlist.com/tools/ltv-cac-calculator" markdown_url: "https://www.foundrlist.com/tools/ltv-cac-calculator.md" category: "SaaS & Startup Finance" category_url: "https://www.foundrlist.com/tools/category/saas-finance" engine_kind: "formula-calculator" keywords: - "ltv cac calculator" - "customer lifetime value calculator" - "cac payback period calculator" - "saas unit economics" --- # SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator Calculate Customer Lifetime Value (LTV), LTV to CAC ratio, and CAC payback period in months from ARPU, gross margin, and churn. ## Formula & Methodology `LTV = (ARPU × GrossMargin%) ÷ MonthlyChurn% · LTV:CAC = LTV ÷ CAC` **Default Benchmark Result (LTV:CAC Ratio & Customer LTV):** 8.5x LTV:CAC ($2,706 LTV) Each customer generates $2,706 in gross-margin LTV over 33.3 months, yielding a 8.5x LTV:CAC ratio and 3.9-month CAC payback. ## Default Inputs - **Average Monthly Revenue Per User (ARPU $)** (`a`, currency): Default = `99` - **Gross Margin (%)** (`b`, percent): Default = `82` - **Monthly Logo Churn Rate (%)** (`c`, percent): Default = `3` - **Customer Acquisition Cost (CAC $)** (`d`, currency): Default = `320` ## Sample Output Metrics - **Customer Lifetime Value (LTV):** $2,706 - **LTV : CAC Ratio:** 8.5x - **CAC Payback Period:** 3.9 mos - **Avg Customer Lifespan:** 33.3 mos - **Monthly Gross Margin / User:** $81.18 ## How to Use 1. **Enter your startup metrics or copy inputs:** Fill in the fields in the SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator workspace above, or click "Load Example" to populate verified saas & startup finance benchmark data. 2. **Review real-time calculations & benchmark grades:** Inspect the primary output, supporting unit metrics, and diagnostic rules that update instantaneously in your browser with zero server round-trips. 3. **Copy the report or deploy your launch plan:** Click 'Copy Result' to export the clean Markdown output or code snippet, then launch your product on FoundrList to compound organic traffic and high-DR backlinks. ## 2026 Industry Benchmarks - **Top-Quartile B2B SaaS LTV:CAC:** 4.0x – 6.5x — _3.0x is the standard venture & bootstrapped threshold._ - **Median CAC Payback Period:** 6 – 14 months — _PLG and self-serve products target < 6 months._ - **Healthy Net Revenue Retention (NRR):** 105% – 125% — _Expansion revenue offsets gross logo churn._ ## Frequently Asked Questions ### How does the SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator work? Calculate Customer Lifetime Value (LTV), LTV to CAC ratio, and CAC payback period in months from ARPU, gross margin, and churn. All calculations, scoring rules, and templates run 100% client-side in your browser for instant feedback without sending private startup metrics to a server. ### What benchmarks does this saas & startup finance tool use? The SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator uses current 2026 SaaS, indie hacker, and venture benchmarks across B2B SaaS, AI products, developer tools, and bootstrapped startups so you can compare your numbers against top-quartile performers. ### Is the SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator completely free to use? Yes — every tool in the FoundrList Founder Tools suite is 100% free with no signup wall, usage cap, or watermark, and includes a clean Markdown twin (.md) for AI agents and coding assistants. ### How do I get more traffic and backlinks after using the SaaS LTV:CAC Ratio & Customer Lifetime Value Calculator? Submit your product on FoundrList (/agent) to compete on the weekly launch leaderboard, earn a permanent high-DR dofollow backlink, or book the $97 100-Directory Submission service (/pricing) to distribute your startup everywhere. ## Related Free Tools - [Startup Runway, Burn Rate & Default Alive Calculator](https://www.foundrlist.com/tools/startup-runway-calculator) ([.md](https://www.foundrlist.com/tools/startup-runway-calculator.md)) — Calculate how many months of cash runway your startup has left and check whether you are Default Alive or Default Dead. - [B2B SaaS Valuation Calculator](https://www.foundrlist.com/tools/b2b-saas-valuation-calculator) ([.md](https://www.foundrlist.com/tools/b2b-saas-valuation-calculator.md)) — Calculate your B2B SaaS startup valuation using ARR multiples, YoY growth rate, net revenue retention (NRR), and Rule of 40 benchmarks. - [AI SaaS Valuation Calculator](https://www.foundrlist.com/tools/ai-saas-valuation-calculator) ([.md](https://www.foundrlist.com/tools/ai-saas-valuation-calculator.md)) — Calculate your AI SaaS startup valuation using ARR multiples, YoY growth rate, net revenue retention (NRR), and Rule of 40 benchmarks. - [Micro-SaaS Valuation Calculator](https://www.foundrlist.com/tools/micro-saas-valuation-calculator) ([.md](https://www.foundrlist.com/tools/micro-saas-valuation-calculator.md)) — Calculate your Micro-SaaS startup valuation using ARR multiples, YoY growth rate, net revenue retention (NRR), and Rule of 40 benchmarks. - [Developer Tools Valuation Calculator](https://www.foundrlist.com/tools/devtools-valuation-calculator) ([.md](https://www.foundrlist.com/tools/devtools-valuation-calculator.md)) — Calculate your Developer Tools startup valuation using ARR multiples, YoY growth rate, net revenue retention (NRR), and Rule of 40 benchmarks. - [Chrome Extension Valuation Calculator](https://www.foundrlist.com/tools/chrome-extension-valuation-calculator) ([.md](https://www.foundrlist.com/tools/chrome-extension-valuation-calculator.md)) — Calculate your Chrome Extension startup valuation using ARR multiples, YoY growth rate, net revenue retention (NRR), and Rule of 40 benchmarks. ## Launch & Distribute Your Startup on FoundrList - **Free Launch & Weekly Leaderboard:** [https://www.foundrlist.com/agent](https://www.foundrlist.com/agent) - **100-Directory Submission ($97) & Featured Plans:** [https://www.foundrlist.com/pricing](https://www.foundrlist.com/pricing)