CAC payback calculator

Months to recover CAC at your gross margin, with LTV:CAC banding.

Unit Economic Inputs

Customer Acquisition Cost (CAC) ($):

Average Revenue Per Account (ARPA / mo) ($):

Gross Margin (%):

Monthly Churn Rate (%):

CAC Payback Period

10.0 Months

Top Quartile (< 12 mo)

LTV : CAC Ratio

4.00x

Ideal Sweet Spot (3x - 5x)

Customer Lifetime Value (LTV)

$4,800

Margin-Adjusted Value

Margin Profit per Customer

$120.00 / mo

ARPA × Gross Margin

LTV:CAC Banding Guidance

LTV:CAC Band	Assessment	Strategic Action
< 1.0x	Critical Risk	Losing cash on each acquired user. Fix pricing or reduce acquisition costs immediately.
1.0x - 2.9x	Suboptimal	High acquisition cost relative to margin. Improve sales efficiency and reduce onboarding friction.
3.0x - 5.0x	Healthy Sweet Spot	Ideal SaaS venture benchmark. Maintain balanced marketing and product investment.
> 5.0x	Under-invested	Growth ceiling. You can afford to spend more aggressively on marketing channels.

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