LTV:CAC & Payback Calculator
The two numbers behind almost every growth decision. Enter your unit economics to get margin-adjusted LTV, the LTV:CAC ratio, and how many months it takes to earn back acquisition cost.
How to read this
Average customer lifetime is estimated as one divided by your monthly churn rate. LTV here is margin-adjusted, so it reflects gross profit, not top-line revenue, which is the honest way to compare it against CAC. A common rule of thumb is a healthy business wants an LTV:CAC ratio around 3 or higher and a payback period under about twelve months, though the right targets depend on your margins, growth stage, and how much cash you can float.
Treat these as directional, not gospel: churn is rarely constant across the lifetime, and blended CAC hides differences between channels. The full reasoning is in LTV and CAC, the two numbers behind every growth decision, and how to reduce churn without discounts is in churn reduction tactics.
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