SaaS Lifetime Value Calculator
Customer Lifetime Value
$1,600
LTV:CAC Ratio
8.0:1
✅ Healthy (≥ 3:1)
CAC Payback
2.5 months
✅ Healthy (≤ 12mo)
Monthly Profit
$70
per customer
Customer Lifespan
1.7 years
(20 months)
LTV Projection
Based on current churn and margin
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What is Customer Lifetime Value (LTV)?
Customer Lifetime Value (LTV) is the total net revenue a business can expect from a single customer over the entire duration of their relationship. It is calculated as: LTV = ARPU x Gross Margin / Monthly Churn Rate. A healthy business maintains an LTV:CAC ratio of at least 3:1 — meaning every dollar spent on acquisition returns three dollars in lifetime revenue.
LTV Benchmarks by Industry (2026)
Use these benchmarks to compare your results after calculating your LTV above. All figures are based on median values across industry reports and may vary by region and business maturity.
B2B SaaS
| Segment | Monthly Price | Avg Churn | Typical LTV |
|---|---|---|---|
| SMB | $50 – $500/mo | 4 – 6% | $1,000 – $5,000 |
| Mid-Market | $500 – $5K/mo | 2 – 3% | $50,000 – $150,000 |
| Enterprise | $5K+/mo | 0.5 – 1.5% | $300,000 – $1M+ |
Enterprise SaaS achieves 10–100× higher LTV than SMB not just from price, but from annual contracts and deep workflow integration that drive churn below 2%.
E-commerce / DTC
| Segment | Avg Order | Repeat Rate | Typical LTV |
|---|---|---|---|
| Fast Fashion | $40 – $80 | 2 – 3×/yr | $150 – $300 |
| Premium Beauty | $60 – $120 | 3 – 5×/yr | $250 – $750 |
| Health Supplements | $40 – $70 | 6 – 10×/yr | $400 – $1,200 |
| Luxury Goods | $500+ | 1 – 2×/yr | $1,500 – $5,000 |
Subscription-based DTC brands (supplements, skincare) achieve 2–3× higher LTV than one-time purchase models at similar price points.
Fintech
| Segment | Monthly Rev | Avg Churn | Typical LTV |
|---|---|---|---|
| Neobanking (Retail) | $15 – $50/mo | 2 – 4% | $200 – $800 |
| Wealth Mgmt / Robo | AUM 0.25–0.5% | 1 – 2% | $1,000 – $5,000+ |
| B2B Payments | $1K – $10K/mo | 1 – 2% | $10,000 – $100,000+ |
Fintech has the highest CAC in any industry (~$1,450 avg), making LTV optimization critical.
Subscription Apps (B2C)
| Segment | Monthly Price | Avg Churn | Typical LTV |
|---|---|---|---|
| Streaming / Media | $10 – $20/mo | 5 – 8% | $150 – $400 |
| Fitness & Wellness | $10 – $30/mo | 8 – 12% | $80 – $300 |
| Dating | $20 – $50/mo | 10 – 15% | $100 – $400 |
| Education / Learning | $15 – $50/mo | 7 – 10% | $150 – $600 |
Family and annual plans reduce churn by up to 52%, making plan structure the single biggest LTV lever for consumer subscription apps.
Marketplace / Platform
| Segment | Take Rate | Avg Churn | Typical LTV |
|---|---|---|---|
| Freelance / Services | 10 – 20% | 5 – 8% | $500 – $3,000 |
| Product Marketplace | 5 – 15% | 4 – 7% | $800 – $5,000 |
Marketplaces with built-in payments and dispute resolution retain sellers 40% longer than listing-only platforms.
EdTech
| Segment | Monthly Price | Avg Churn | Typical LTV |
|---|---|---|---|
| B2C Courses | $15 – $50/mo | 7 – 10% | $150 – $600 |
| B2B Training (SMB) | $200 – $2K/mo | 3 – 5% | $3,000 – $20,000 |
EdTech has the highest churn in B2B SaaS (~9.6% monthly) but also one of the highest LTV:CAC ratios (5:1) thanks to low acquisition costs via content marketing.
Agency / Consulting
| Segment | Monthly Retainer | Avg Churn | Typical LTV |
|---|---|---|---|
| Marketing Agency | $2K – $10K/mo | 2 – 4% | $25,000 – $100,000 |
| Management Consulting | $5K – $50K/mo | 1 – 3% | $80,000 – $500,000 |
Agencies billing as a percentage of ad spend (typically 10–20%) scale LTV automatically as client budgets grow.
HealthTech / Digital Health
| Segment | Monthly Price | Avg Churn | Typical LTV |
|---|---|---|---|
| B2C Wellness App | $10 – $30/mo | 8 – 12% | $80 – $300 |
| B2B Clinical Platform | $500 – $5K/mo | 2 – 4% | $10,000 – $50,000 |
B2B HealthTech benefits from regulatory switching costs — once a clinic integrates a platform into patient workflows, migration becomes prohibitively expensive.
Creator / Media
| Segment | Monthly Price | Avg Churn | Typical LTV |
|---|---|---|---|
| Newsletter / Membership | $5 – $20/mo | 8 – 12% | $50 – $200 |
| Online Courses | $30 – $100/mo | 10 – 15% | $200 – $800 |
Creators with community features (Discord, forums) retain subscribers 2× longer than content-only models.
Sources: First Page Sage 2025, Optifai Pipeline Study Q3 2025, Recurly 2025 Churn Report