SaaS Churn Rate Calculator

Calculate SaaS churn rate by dividing customers lost by starting customers. A good monthly churn rate is under 5% for SMB SaaS and under 2% for enterprise. At 5% monthly churn, your customer half-life is just 13.5 months. meaning half your current customers will be gone within a year. Annual compounded churn at 5%/month is 46%.

Churn is the silent killer of SaaS growth. This calculator shows you four perspectives on your churn: monthly logo churn (how many customers leave), monthly revenue churn (how much money walks out the door), annualized compounded churn, and your customer half-life. how long until half your current customers are gone. Adjust the sliders to match your numbers.

How to read these numbers

Churn benchmarks vary dramatically by market segment. For SMB-focused SaaS products, monthly logo churn between 3% and 5% is common. painful, but typical when you sell to small businesses that fail, outgrow your product, or switch on a whim. Mid-market products (selling to companies with 50-500 employees) should target 1.5% to 3% monthly churn. Enterprise SaaS with annual contracts and dedicated account management typically sees 1% to 2% monthly churn or less.

The annual compounded churn number is where reality hits hardest. A "harmless" 5% monthly churn compounds to 46% annual churn. meaning you need to replace nearly half your customer base every year just to stay flat. Your customer half-life tells you how many months until half your current customers have left. If that number is under 12 months, you have a retention emergency, not a growth problem.

The best-in-class SaaS companies in 2026 are hitting monthly logo churn below 1.5%, which translates to an annual churn of about 16% and a customer half-life of over 46 months. That kind of retention turns every acquisition dollar into compounding returns instead of a treadmill. If your numbers are above these benchmarks, the fastest ROI improvement you can make is fixing retention before spending another dollar on acquisition.

Revenue churn matters more

Logo churn counts heads. Revenue churn counts dollars. They tell different stories, and the dollar story is the one your bank account cares about. If your largest customers are churning while small accounts stick around, your logo churn might look acceptable while your revenue churn is catastrophic. The reverse is also true. losing many small accounts feels alarming but might barely dent your MRR.

Revenue churn becomes even more important when you factor in expansion revenue. Net revenue retention (NRR), which accounts for upgrades and expansion. can push your effective revenue churn below zero. That means your existing customer base grows even without new signups. In 2026, top-performing SaaS companies report NRR above 120%, meaning their existing customers generate 20% more revenue each year through upgrades, seat expansion, and usage growth. Calculate yours with our NRR calculator.

When your revenue churn is significantly higher than your logo churn, it signals that your most valuable customers are the ones leaving. That is the most dangerous pattern in SaaS. It means your product delivers less value to the customers who pay you the most. Fixing this requires talking to churned high-value accounts, understanding their unmet needs through cancellation surveys, and building specifically for retention at the top of your revenue distribution. See the State of Stripe SaaS Churn report for current benchmarks.

Your next step

Numbers on a calculator are just the diagnosis. The treatment is intercepting customers before they leave. Learn how to reduce involuntary churn on Stripe and see what proper dunning can recover. SaveMRR monitors your Stripe account in real time, catches failed payments before they become involuntary churn, and triggers personalized win-back sequences for at-risk customers. Most SaaS founders recover their first $200 in saved MRR within the first week, and your first $200 recovered free. No credit card required.