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CAC & LTV Calculator

Customer acquisition cost, lifetime value and the ratio investors ask about.

Read the how-to
42,180
The formula

How this number is built

CAC = spend ÷ new customers · LTV = ARPU × gross margin ÷ net churn
Step by step

Doing it by hand

Step 1

Include all sales and marketing cost — salaries, tools and agency fees, not just ad spend.

Step 2

Count only genuinely new paying customers in the denominator.

Step 3

Use gross-margin revenue rather than top-line, or LTV will flatter you.

Step 4

Subtract expansion revenue from churn to get net revenue retention.

Step 5

Watch CAC payback alongside the ratio; a long payback strains cash even at healthy ratios.

Questions

What people ask next

Why 3:1?

It is a convention, not a law. It leaves room for overhead and the fact that early lifetime estimates are usually optimistic.

Should CAC include free users?

Only if converting them is the purpose of the spend. Otherwise track it as a separate top-of-funnel cost.

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Estimates, not advice. Every figure here is produced from the inputs you enter and the formula printed on the page. Rules differ by state, carrier, lender and contract, so use these numbers to prepare for a conversation with a qualified professional rather than to replace one. See our full disclaimer.