Your numbers. A clearer plan.

CAC and LTV Calculator

Start with research-informed planning values, then edit each assumption for your location, scope and current quotes. All amounts are in USD.

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Start with a complete worked example

Explore simple gross-profit LTV, LTV-to-CAC and CAC payback under constant ARPU, margin and churn assumptions.

The calculator opens on the Typical scenario. Low and High provide two additional scales, and every field remains editable. The numbers illustrate the formula and do not claim a market average, current quote, loan offer, expected return or required price.

Input Low Typical High Unit
Monthly customer revenue $49 $99 $249 USD
Gross margin fraction 65% 75% 82% %
Monthly customer churn fraction 8% 4% 2% %
Customer acquisition cost $350 $650 $1,200 USD

How to use the calculator

  1. Choose the scenario closest to the scale you want to inspect.
  2. Replace each material value with your current records, quotes or operating assumptions.
  3. Keep units and time periods consistent.
  4. Change one major assumption at a time and compare the result.
  5. Save the source, date and geographic scope for decisions that matter.

The results update immediately. Reset returns to the currently selected scenario.

Sources and limitations

www.sba.gov

All amounts are USD and the examples use US national context. Local taxes, licenses, wages, insurance, financing terms and prices may differ. Review the cited source period and replace stale or inapplicable inputs before relying on the result.

Research layer reviewed 2026-09-06; formula version 2.0.

Frequently asked questions

Are these values industry averages?

No. They are editable research-informed planning seeds or transparent worked examples. The calculator does not represent a quote, approval, appraisal or guarantee.

Which scenario should I use?

Use the scenario that best matches one coherent operating scale, then replace its values. Do not mix low sales with high fixed capacity unless that is the risk case you intend to test.

When should the inputs be updated?

Refresh current quotes after 30 days or whenever the location, capacity, product, staffing plan or financing terms change. Review official data after each new release.