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Unit economics · 100% free

Retention-Adjusted CAC Payback

Calculate true CAC payback factoring real retention curves, not the optimistic 'all customers stay' assumption.

D2C SaaS
Retention-adjusted payback
5 months
Naive (100% retention) payback: 4 months
Real-vs-naive gap
+1 months longer
The cost of pretending churn doesn't exist
Standard CAC payback assumes every customer stays forever — naive but common. This calculator weights each future month by retention probability. The gap can be huge at high churn rates.

About this tool

Standard CAC payback assumes 100% retention. Real payback uses retention curves to weight future contribution down for churn risk.

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