How to use this calculator
- Enter average monthly revenue per customer.
- Add gross margin after direct service costs.
- Enter monthly churn as a percentage.
- Add CAC to compare lifetime value against acquisition cost.
Estimate customer lifetime value for a pre-seed startup using ARPU, gross margin, churn, support cost, and CAC. Use the result to judge whether your acquisition economics are strong enough for fundraising.
A higher LTV means each customer creates more long-term value. Pre-seed startups should not expect perfect data, but an LTV:CAC ratio below 2.0 usually signals weak acquisition efficiency or excessive churn.
Use this as a directional estimate. Very early cohorts can be noisy, so compare conservative and optimistic assumptions before using it in an investor model.
If ARPU is $100, gross margin is 80%, monthly churn is 5%, and CAC is $500, estimated LTV is $1,600 and LTV:CAC is 3.20.
Use monthly ARPU, gross margin, churn, and CAC. A simple early-stage method is ARPU multiplied by gross margin, then multiplied by estimated customer lifetime.
A ratio above 3.0 is usually healthy for early SaaS, while below 2.0 suggests acquisition or retention needs improvement before scaling.
Use churn when you have enough customer data. If data is limited, use an explicit lifetime assumption and label it clearly.
Higher churn shortens customer lifetime and reduces LTV. Even a small churn reduction can materially improve the economics.
You can include it if expansion is already happening. If it is only a plan, keep it in an optimistic scenario rather than the base case.
| Metric | Meaning |
|---|---|
| Main Result | Estimated lifetime value per customer |
| Benchmark | LTV:CAC ratio and health score |
| Decision Use | Check whether CAC can scale responsibly |