SaaS & business calculator

Customer Lifetime Value Calculator

Estimate gross-margin CLV from ARPA, churn and margin, with an optional discount/risk adjustment.

How to interpret CLV

This is a simplified recurring-revenue CLV estimate. It uses gross-margin revenue, not top-line revenue, because servicing costs matter. Churn and revenue expansion should be measured over the same period.

Example

If ARPA is $100 per month, gross margin is 70% and monthly churn is 5%, gross-margin revenue is $70 and simplified CLV is $70 / 0.05 = $1,400.

Common mistakes

Keep the churn period aligned with the revenue period. Monthly ARPA should use monthly churn; annual ARPA should use annual churn.

Limitations

The model does not include cohorts, expansion revenue, contraction, reactivation, payback timing or changing churn. Use it as a planning estimate, not as a valuation model.

Last reviewed: 2026-05-17

Before relying on this result

Use this calculator together with the formula, assumptions, limitations and examples on the page. If the topic involves health, tax, lending, investment, legal, safety or current-rate decisions, treat the number as an estimate and check the relevant primary source or professional guidance.

Calculator metadata last reviewed: 2026-05-14.