Customer churn and net growth.

Churn rate is customers lost divided by customers at period start. This calculator adds the dimension of customers gained to show net growth. Net growth rate = (gained - churned) ÷ starting. Positive net growth means the business is expanding; negative means it's shrinking before any effect of pricing changes.

1,000 starting customers, 30 churned, 50 gained = 3% churn rate, 5% gross growth, 2% net growth. Healthy for most consumer subscription businesses. SaaS at this scale would prefer under 2% monthly churn; consumer subscription and content products typically accept 5-8% monthly churn as normal.

Churn dynamics vary by period. Early months (0-3) show highest churn as customers evaluate fit. Mid-term (3-12 months) stabilizes. Long-term (12+ months) usually shows much lower churn as investment commits. Track cohort churn (by signup month) rather than overall churn - otherwise mature-customer behaviour masks new-customer problems.

Run it with sensible defaults

Using customers at period start of 1,000, customers churned of 30, customers gained of 50, the calculation works out to 3.00%. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Customers at Period Start, Customers Churned, and Customers Gained — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Churn rate = churned ÷ start × 100. Net growth rate = (gained - churned) ÷ start × 100. Lifetime = 100 ÷ churn %. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

What the score tells you

Headline financial numbers — income, savings, debt — each tell part of the story. This calculation stitches several together into a single read you can track over time. The value is in the direction, not the absolute number.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.