SaaS Metrics Calculator: NRR, LTV, CAC, Quick Ratio (Free)

The SaaS metrics that matter aren’t on your accounting dashboard. They live in the relationships between MRR, churn, expansion, CAC, and LTV – the math investors and acquirers use to evaluate your business. This SaaS metrics calculator computes the 8 core metrics in one pass: Net Revenue Retention, Gross Churn, LTV, CAC Payback, LTV/CAC ratio, MRR growth rate, ARR, and Quick Ratio.

SaaS Metrics Calculator

Starting MRR this month ($)Total recurring revenue at the START of the month.

New MRR this month ($)MRR from brand-new customers acquired this month.

Expansion MRR this month ($)Upgrades, additional seats, upsells from existing customers.

Contraction MRR this month ($)Downgrades, seat reductions (not full churn).

Churned MRR this month ($)MRR lost from customers who fully cancelled.

Customer Acquisition Cost ($)Total S&M spend / new customers in the period.

Average Revenue Per Account (monthly $)Total MRR / total active customers. Drives LTV.

Gross Margin (%)For SaaS, typically 70-85%.

Your SaaS Metrics Dashboard

Net New MRR

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monthly growth

Ending MRR

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ARR

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annualized

MRR Growth

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% month-over-month

Gross MRR Churn

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Net MRR Churn

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Net Revenue Retention

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benchmark: 110%+

Quick Ratio

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growth efficiency

LTV

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per customer

LTV / CAC

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target: 3.0+

CAC Payback

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months to recover CAC

Health Score

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SaaS Metric Formulas

Metric	Formula
Net New MRR	New + Expansion – Contraction – Churn
ARR	Ending MRR × 12
Gross MRR Churn	Churned MRR / Starting MRR
Net MRR Churn	(Churn + Contraction – Expansion) / Starting MRR
NRR	(Starting + Expansion – Contraction – Churn) / Starting MRR
Quick Ratio	(New + Expansion) / (Churn + Contraction)
LTV	(ARPU × Gross Margin) / Monthly Churn Rate
LTV / CAC	LTV / CAC
CAC Payback	CAC / (ARPU × Gross Margin)

SaaS Benchmarks (2026)

Metric	World Class	Healthy	Concerning
Net Revenue Retention	130%+	110-130%	under 100%
Gross MRR Churn (monthly)	under 1%	1-2%	over 5%
LTV / CAC Ratio	5x+	3-5x	under 3x
CAC Payback	under 12 mo	12-18 mo	over 24 mo
Gross Margin	80%+	70-80%	under 70%
Quick Ratio	4+	2-4	under 1.5
Rule of 40 (Growth + Margin)	60%+	40-60%	under 30%
Burn Multiple	under 1.0	1.0-2.0	over 3.0

Sources: Bessemer State of the Cloud 2026, OpenView SaaS Benchmarks, KeyBanc SaaS Survey, SaaS Capital Survey.

FAQ

What’s the most important SaaS metric?

For early-stage (under $5M ARR): Net Revenue Retention. For growth-stage ($5-50M ARR): Burn Multiple. For mature/profitable: Rule of 40.

What’s a healthy NRR for B2B SaaS?

110-120% solid for SMB SaaS, 120-140% for mid-market, 140%+ for enterprise. Below 100% means existing base is shrinking.

How do I calculate LTV if too early to know real churn?

Don’t use LTV for early-stage decisions. Use CAC Payback – measurable from month 1. Once you have 12+ months of cohort data, LTV becomes meaningful.

What’s a good LTV/CAC ratio?

3.0x is healthy. 5.0x+ excellent but may indicate underspending on growth. Below 1.5x means you’re burning to acquire – either CAC too high or LTV too low.

How often should I review these metrics?

Monthly for the full dashboard. NRR, churn, MRR growth, Quick Ratio weekly during growth phases. LTV is quarterly.

SaaS Metrics Calculator: NRR, LTV, CAC, Quick Ratio