Finance Suite

SaaS LTV/CAC Ratio Estimator Calculator

Determine if your business model is mathematically fundamentally alive or dead based exactly on Customer Lifetime Value metrics.

Calculator Parameters
Lifetime Value Extractor (LTV)
$
ARPU Baseline
%
After server costs (~80%)
%
Percentage who cancel monthly
Acquisition Extraction (CAC)
$
All FB Ads + SDR Salaries
Generated strictly from that spend
Summary
The LTV : CAC Ratio
3.5x
$464.00
Customer Lifetime Value (Net)
$50.00
Cost to Acquire Customer (CAC)
Allocation Split
Venture Capital Grade

Excellent. A 3.0+ ratio defines a highly profitable venture scale business.

< 1.0x
Burning Cash
1 - 2.5x
Warning
3.0x+
SaaS Engine

The Mechanics of Unit Economics

Why LTV/CAC is the single most important ratio tracked automatically by every sophisticated software venture fund.

LTV: The Lifetime Value Engine

If you charge $30/month, and the average customer physically stays for identically 20 months before churning, their Gross LTV is $600. However, software requires AWS server logic and customer support logic to maintain that user. Net LTV explicitly factors in Gross Margin, ensuring you only measure the absolute pure profit the user generates before they abandon you.

CAC: Customer Acquisition Cost

This explicitly calculates total marketing spend (Ads, SEO) entirely divided by new users. If you spend $10,000 on Facebook, and exactly 200 users click through and put in credit cards, your CAC is exactly $50 to "buy" a human.

The Holy 3:1 Ratio

If it costs $50 to buy a customer, and they mathematically generate $400 over their lifetime, your ratio is 8.0x. This is an infinitely printable money machine. You should aggressively borrow millions of dollars in debt strictly to pour into Facebook ads.

If it costs you $50 to buy a customer, but they cancel instantly on month two ($60 generated), and your server costs eat $20 of that... your Net LTV is $40. Your ratio is 0.8x. You physically bleed $10 every single time a user signs up. The business is fundamentally bankrupt at a unit level.