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FinToolSuite
Updated May 14, 2026 · SaaS & Subscription · Educational use only ·

MRR Growth Calculator

MRR growth with churn built.

Project monthly recurring revenue growth over months with churn. Enter mrr to see mrr growth over months including monthly growth rate and churn.

What this tool does

This calculator projects how your monthly recurring revenue (MRR) will evolve over a chosen timeframe, factoring in both new growth and customer churn. It models revenue by applying your monthly growth rate and monthly churn rate to your current MRR, compounding the net effect across the projection period. The result shows estimated MRR at each month, illustrating the combined impact of expansion and attrition. Monthly churn—the percentage of revenue lost each month—typically has the strongest influence on the trajectory, especially over longer periods. A common scenario involves forecasting subscription revenue for a 12-month business plan. The calculator assumes linear, consistent rates month-to-month and does not account for seasonal variation, pricing changes, one-time adjustments, or shifts in growth or churn patterns. Results are estimates for financial modelling only.


Enter Values

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Formula Used
Current MRR
Growth
Churn
Months

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Disclaimer

Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.

MRR (Monthly Recurring Revenue) growth with churn shows realistic trajectory. 10% growth with 5% churn nets 5% - half what growth looks like on paper. This calculator projects MRR forward given both rates.

10,000 MRR with 15% monthly growth, 5% churn = 10% net. Over 12 months: 31,400. Over 24: 98,500 - 10x in 2 years. Growth compounds fast in SaaS.

Use to forecast when funding is needed, headcount planning, or hitting specific milestones. Reality check: 5%+ net monthly growth is early-stage; 2-3% is mature SaaS; 1% or less signals product-market fit issues.

A worked example

Try the defaults: current mrr of 10,000, monthly growth rate of 15%, months to project of 12, monthly churn of 5%. The tool returns 31,384.28. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.

What moves the number most

The result responds to Current MRR, Monthly Growth Rate, Months to Project, and Monthly Churn. The rate and the time horizon usually dominate — compounding means a small change in either reshapes the final figure more than a similar shift in contribution size. Test this by doubling one input at a time.

The formula behind this

Final MRR = current × (1 + net growth)^months, where net = growth - churn. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.

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.

Example Scenario

££10,000 × 15% growth - 5% churn × 12mo = 31,384.28.

Inputs

Current MRR:£10,000
Monthly Growth Rate:15
Months to Project:12
Monthly Churn:5
Expected Result31,384.28

This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.

Sources & Methodology

Methodology

This calculator computes forward-looking monthly recurring revenue by applying a compound growth model. It takes your current MRR and applies a net growth rate—calculated as the monthly growth rate minus the monthly churn rate—compounded over the specified number of months. The formula treats growth and churn as constant rates throughout the projection period. The model assumes no seasonal variation, no changes to pricing, and no lag between customer acquisition and revenue recognition. It does not account for one-time revenue, implementation fees, customer acquisition costs, or variations in churn and growth rates across cohorts. Results reflect a simplified projection under stable operating conditions and should be viewed as a baseline rather than a forecast.

Frequently Asked Questions

Net 2% vs 5% - big deal?
Huge over long periods. 2% monthly = 27% annual. 5% monthly = 80% annual. Over 5 years: 2.6x vs 18x difference. Small net growth rate differences compound dramatically.
Why does churn have such a large effect on long-term MRR projections?
Churn compounds negatively in the same way growth compounds positively, so even a 2% monthly churn rate removes roughly 22% of revenue annually before new growth is factored in. Over multi-year periods, a high churn rate can completely offset strong new customer acquisition, keeping MRR flat or declining. This is why the net rate (growth minus churn) is the figure that actually drives the trajectory.
What inputs do I need to use this calculator accurately?
The three core inputs are your current MRR in dollars, your monthly growth rate as a percentage of MRR, and your monthly churn rate as a percentage of MRR. Monthly growth rate is typically calculated as new MRR added in a month divided by starting MRR, and monthly churn rate is revenue lost to cancellations divided by starting MRR. Using revenue-based rates rather than customer-count rates produces more accurate results when customers have varying contract sizes.
Can I use this calculator to model expansion revenue or upsells?
Expansion MRR from upsells can be incorporated by adding it to your monthly growth rate input, since the model treats all new revenue as a single growth percentage. However, the calculator does not separately track cohort-level expansion, contraction, or reactivation, so the output reflects a blended net rate rather than a breakdown by revenue motion. For detailed net revenue retention analysis, a more granular cohort model would be needed.

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