FinCalcHub Marketing

CAC & LTV Calculator: LTV:CAC Ratio and Payback Period

Enter your marketing spend, new customers, monthly revenue per customer and expected customer lifespan to calculate CAC (customer acquisition cost), LTV (lifetime value), the LTV:CAC ratio, ROI and the CAC payback period.

Crypto-to-Fiat Reference Converter

CoinGecko reference prices for BTC, ETH and SOL; cached or fallback values may appear if live data is unavailable. CoinGecko

Connecting…
BTC
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Live Equivalent Conversion

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Live market prices

Bitcoin (BTC)

Digital Gold

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Ethereum (ETH)

Smart Contracts

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Solana (SOL)

High-Performance

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Price updates about every 30 seconds · CoinGecko reference data

💡 What this tool does: Convert Bitcoin, Ethereum, or Solana amounts to one of 30 fiat currencies using CoinGecko reference prices. The page requests crypto-price data through FinCalcHub’s endpoint; cached or fallback values may appear when live data is unavailable. The separate site-wide currency selector uses preset conversion factors, not live foreign-exchange rates. A displayed crypto value is an estimate, not an exchange execution quote.

📊 Daily Media Buyer RoAS Planner

Enter campaign revenue, ad spend, gross margin, and campaign length to estimate ROAS, a margin-based break-even reference, and daily revenue and spend.

Active RoAS

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Break-Even RoAS

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Revenue − Ad Spend

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Daily Ad Spend

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Daily Revenue

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RoAS Status Indicator

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💡 What this tool does: Use revenue, ad spend, gross margin, and campaign days to calculate ROAS, break-even ROAS (1 ÷ the entered gross margin), daily averages, and revenue minus ad spend. Revenue minus ad spend is not full net profit. The break-even reference excludes costs not reflected in the entered margin, so treat it as an estimate—not a scale recommendation.

📝 Client Invoice Hours & Bench Tracker

Estimate a gross billable amount and take-home amount from hourly rate, hours, a platform-fee percentage, and an entered withholding rate.

Net Earnings

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Gross Invoice

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Platform Cut

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Tax Withheld

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Earnings Breakdown

Net 0%
Platform 0%
Tax 0%

💡 What this tool does: Enter hourly rate, hours, platform-fee percentage, and withholding percentage to estimate gross invoice value, deductions, and the remaining amount. The withholding is only the rate you enter; this tool does not prepare an invoice or determine your actual tax liability.

💥 A/B Split-Test Significance Engine

Enter visitors and conversions for a control and a variant to compare conversion rates, relative uplift, a two-proportion Z-test confidence estimate, and a sample-size heuristic.

Version A (Control)

Conv. Rate: —

Version B (Variant)

Conv. Rate: —

Statistical Confidence Score

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Z-Score: —

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Relative Uplift

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Sample Adequacy

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💡 What this tool does: This two-proportion Z-test compares the entered conversion counts and rates. Its confidence score and sample-size flag are estimates under simplified assumptions; they do not account for experiment design, repeated checking, or audience differences. A conventional confidence threshold is not proof that a variant will perform better in the future.

Compound Interest Calculator

Estimate future value from an initial amount, annual rate, compounding frequency, time, and an optional monthly contribution. The projection assumes a constant rate.

Future Value

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Total Invested: —

Interest Earned

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Effective Growth

0%

Breakdown

Principal 0%
Contributions 0%
Interest 0%

💡 What this tool does: Enter principal, annual rate, compounding frequency, time, and an optional monthly contribution to estimate future value and separate contributions from modeled growth. The calculation assumes the rate remains constant and contributions continue as entered; actual returns can differ.

SIP Investment Planner

Estimate the future value of regular monthly contributions using an assumed annual return and an investment period; the result is a projection, not a promise.

Maturity Value

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Total Invested

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Wealth Gained

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Invested vs Returns

Invested 0%
Returns 0%

💡 What this tool does: Enter monthly contribution, expected annual return, and term to estimate maturity value, total contributions, and modeled growth. The formula assumes a constant return and contributions at the beginning of each month; market returns vary, so treat the output as an illustration.

Income Tax Calculator

Estimate Pakistan income tax for Tax Year 2027 (FY 2026-27, Finance Act 2026) from monthly income in PKR. Choose salaried or business / self-employed, then verify the result against FBR before filing.

Annual Tax Liability

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Monthly Deduction: —

Annual Income

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Effective Rate

0%

Take-Home / Month

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💡 What this tool does: The calculator annualizes monthly income and estimates annual tax, effective rate, average monthly deduction, and take-home amount for the selected category. It applies Pakistan’s Tax Year 2027 (FY 2026-27) slabs for salaried individuals, or the non-salaried / business slabs, with the 10% surcharge on business income above Rs 10 million. Enter income in PKR: changing the site-wide currency display does not convert the thresholds. It ignores deductions, credits, withholding and other taxes, so check the official FBR rules before relying on the estimate.

Savings Goal Calculator

Estimate a monthly contribution toward a savings target using the time horizon, current savings, and an assumed annual return.

Monthly Savings Needed

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Total You'll Save

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Interest Earned

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💡 What this tool does: Enter a target, time horizon, current savings, and expected return to estimate the monthly deposit, total modeled contributions, and modeled interest. The result assumes a steady return and is a planning illustration, not a guaranteed outcome.

Retirement Planning Calculator

Estimate a retirement corpus and monthly saving amount from current age, retirement age, expenses, years in retirement, inflation, and an assumed return.

Retirement Corpus Needed

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Monthly expenses at retirement: —

Monthly Savings

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Years to Retire

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💡 What this tool does: Projects monthly expenses at retirement using the entered inflation rate, estimates a corpus for the chosen retirement period and return assumption, and estimates a monthly saving amount before retirement. It uses simplified constant-rate assumptions; actual inflation, investment returns, and spending may differ.

Profit Margin Calculator

Compare cost price with selling price to calculate the difference, profit margin, and markup. Other operating costs are not included unless reflected in the entered cost.

Profit

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Margin

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Markup

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Breakdown

Cost 67%
Profit 33%

💡 What this tool does: The calculator uses only the entered cost and selling prices to calculate the difference, margin, and markup. It does not model overhead, taxes, shipping, returns, or break-even volume unless those costs are included in the entered cost. A 50% markup on cost equals a 33.3% margin on price.

💼 Freelancer Hourly Rate Calculator

Estimate an hourly and daily rate from an income goal, expenses, billable hours, a tax-rate assumption, vacation days, and a target margin.

Hourly Rate

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Daily Rate

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Annual Revenue

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Working Days / Year

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Min Revenue / Month

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💡 What this tool does: Enter desired monthly income, business expenses, billable hours, tax rate, paid vacation days, and a margin target to estimate an hourly rate, daily rate, and revenue target. The result uses the calculator’s built-in workday assumptions and does not account for every possible cost or tax rule.

🚀 SaaS CAC & LTV ROI Engine

Estimate CAC, simplified LTV, LTV:CAC, ROI, payback, and margin metrics from acquisition spend, new customers, monthly revenue, operating cost, and customer lifespan.

1Acquisition spend

What it cost you to win new customers in the period you are measuring.

Ads, sales salaries, tools and agency fees for the period.

Customers who signed up in that same period.

2Customer value & revenue

What one customer pays, what they cost to serve, and how long they stay.

Average subscription price one customer pays each month.

Hosting, support and payment fees for one customer each month.

How many months a customer stays before cancelling.

Not used in the calculation. To estimate lifespan from churn, divide 100 by the churn % (5% churn is about 20 months) and enter that lifespan.

3Results

Updates instantly as you change the inputs above.

CAC

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LTV

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LTV : CAC

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ROI

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Payback Period

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Key Metrics

Net Revenue / Cust / Mo: —

Gross Margin: —

Annual Revenue / Cust: —

Break-Even Customers: —

💡 What this tool does: Enter marketing spend, new customers, monthly revenue per customer, average lifespan, and monthly operating cost per customer to estimate CAC, LTV, LTV:CAC, ROI, payback, gross margin, and related metrics. LTV is calculated as monthly net revenue multiplied by the entered lifespan; the churn field is not used. Benchmarks are context-dependent, and this simplified result is not a forecast.

🛒 E-Commerce Net Profit & Markup Suite

Estimate per-unit profitability after entered product cost, shipping, platform and payment fee percentages, and ad spend. Costs not included in those inputs are not included in the result.

Net Profit / Unit

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Net Margin

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True Markup

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Total Costs / Unit

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Per-Unit Status

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Cost Breakdown Per Unit

Product Cost—
Shipping—
Platform Fee—
Payment Gateway—
Ad Spend—
Net Profit—

💡 What this tool does: Enter selling price, product cost, shipping, platform-fee percentage, payment-fee percentage, and ad spend per unit. The calculator returns modeled per-unit profit, margin, markup, costs, and a positive/negative profitability status; it does not calculate break-even unit volume. Unentered costs—such as returns, fixed transaction charges, tax, or overhead—are excluded.

Calculator processing: Most calculator formulas run in your browser, and outputs are estimates based on the values you enter. Results may omit real-world costs, changing rates, or tax rules; review each tool’s assumptions before relying on them. PDF and CSV exports are generated in-browser; XLSX export uses the locally loaded SheetJS file.

How to use the CAC & LTV calculator

  1. Enter total marketing (acquisition) spend and the number of new customers it won.
  2. Enter monthly revenue per customer and the monthly cost to serve each customer.
  3. Enter the average customer lifespan in months.
  4. Read CAC, LTV, LTV:CAC, ROI, payback period and break-even customers.

Formula

CAC = Marketing spend ÷ New customers

LTV = (Monthly revenue − Monthly operating cost) × Lifespan in months

LTV:CAC = LTV ÷ CAC

Payback (months) = CAC ÷ Monthly net revenue

ROI = (LTV − CAC) ÷ CAC. This calculator uses the lifespan you enter rather than the churn field. If you only know monthly churn, estimate lifespan as 1 ÷ churn (5% monthly churn ≈ 20 months).

Worked example

Spend 100,000 wins 50 customers. Each pays 200/month and costs 40/month to serve; average lifespan is 24 months.

A common rule of thumb is an LTV:CAC of about 3:1 or better with payback inside a year, but targets vary by stage, segment and pricing model. At 1.9:1 with a 12-month payback, this example is below that rule of thumb.

Want the full explanation? Read SaaS metrics explained: CAC, LTV and payback.

Frequently asked questions

What is a good LTV:CAC ratio?

A frequently quoted benchmark is 3:1 or higher, but it is a rule of thumb, not a law. Very high ratios can mean you are under-investing in growth; low ratios mean acquisition costs more than customers return.

How do I calculate CAC?

Divide everything you spend to acquire customers in a period (ads, sales and marketing costs you choose to include) by the number of new customers won in the same period. This calculator uses the spend figure you enter.

How do I calculate LTV without a lifespan?

If you know monthly churn, estimate lifespan as 1 ÷ churn. For 4% churn that is about 25 months. Then enter that lifespan here.

What is CAC payback period?

It is how many months of net revenue from a customer it takes to repay the cost of acquiring them. Shorter payback means cash comes back faster.

Does this LTV include gross margin?

It subtracts the monthly operating cost per customer that you enter, so the LTV reflects margin rather than raw revenue. It does not model discounting, expansion revenue or churn curves.

Why does the churn field not change the result?

The current calculation uses your entered lifespan. The churn field is not used, so convert churn to lifespan (1 ÷ churn) and enter that.

Estimates only, based on the values and assumptions you enter. Not financial, tax or legal advice.

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