Enter your SaaS price and understand the calculation of MRR, ARR and more. Calculate how Stripe and Paddle percentage and fixed fees, tax rates, churn rate and discounts affect your monthly recurring revenue.
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Your pricing model determines how revenue scales, who your customers are, and how hard it is to expand. Here are the models used by the most successful SaaS companies.
Best for: Simple products with a well-defined ICP and limited feature variation.
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Best for: Team collaboration tools where value scales directly with the number of users.
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Best for: Infrastructure, API, data, or AI products where consumption varies significantly.
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Best for: Products serving multiple customer segments with different needs and budgets.
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Best for: Products with viral or network effects, or those targeting individual users before converting teams.
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Understanding the relationship between price, churn, fees, and LTV is what separates a pricing strategy from a pricing guess.
Your MRR is simply the sum of all active subscriptions normalized to a monthly value. A $10 increase in ARPU across 500 customers adds $5,000 in MRR instantly - with no new acquisition cost. Pricing is the highest-leverage lever on MRR because it affects every existing customer simultaneously.
A 5% monthly churn rate sounds manageable, but it compounds aggressively. At 5% monthly churn you lose roughly 46% of your customer base every year - meaning you need to replace nearly half your customers just to stay flat. Reducing churn from 5% to 2% can be worth more than doubling your acquisition budget.
Stripe charges 2.9% + $0.30 per transaction. Paddle charges ~5% all-inclusive (covering VAT, fraud, compliance). On a $50/month plan with 500 customers, Stripe fees alone consume roughly $875/month from your MRR. At scale, optimizing your payment processor or negotiating custom rates can meaningfully improve margins.
Customer Lifetime Value (LTV) and Customer Acquisition Cost (CAC) together define whether your business model is sustainable. LTV = ARPU ÷ Churn Rate. If your ARPU is $50/month and monthly churn is 5%, LTV is $1,000. If CAC is $400, your LTV:CAC is 2.5× - below the 3× minimum considered healthy. The fastest way to fix a low ratio is to raise prices (increases LTV) or reduce churn (extends lifetime).
Offering an annual plan at a 15–20% discount improves cash flow, reduces churn (annual customers churn at roughly 30–50% of the rate of monthly customers), and increases LTV. The trade-off is a lower monthly equivalent price. Most SaaS companies find that the churn reduction alone justifies the discount - especially early when retention is hardest.
If your NPS is consistently above 40, churn is below 3% monthly, and customers rarely mention price in objection calls, you are almost certainly underpriced. A 20% price increase to existing customers who have high retention rarely causes meaningful churn - and can add more MRR than a month of aggressive acquisition. Test new pricing on new customers first before rolling it to the existing base.
Connect Stripe or Paddle to Chartsy and track MRR, ARR, ARPU, churn, LTV, and NRR with live data - so your pricing decisions are always based on reality, not estimates.
Start Free with ChartsyCommon questions about SaaS pricing and revenue metrics.