Formula
Month t contribution = new members × (1 − churn)^(t − 1) × net receipt − ongoing cost. Payback is the first month when cumulative contribution is at least the initial production cost.
What the result means
The main result summarizes the scenario created by the entered values. Supporting results expose the components so you can identify which assumption drives the outcome.
This calculator provides an estimate for planning. Confirm platform terms, policy wording, fees, taxes, and accounting treatment with the appropriate provider or adviser.