Project your SaaS revenue 12 months out. Enter your numbers — results update instantly.
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Failed payments, missed retries, and silent churn quietly erase the growth you just projected — find the leaks before they compound.
Get the $19 Stripe Billing Audit or try the free MRR Leak CalculatorThe projection uses one number that matters more than any other in SaaS: your net monthly growth rate, which is simply growth rate minus churn rate. If you add 8% in new and expansion revenue each month but lose 3% to cancellations and downgrades, your MRR really grows 5% per month.
That net rate is then compounded: each month's MRR is the previous month's MRR multiplied by (1 + net rate). Compounding is why small differences matter so much over a year — 5% net growth turns $10,000 into roughly $17,959, while 3% net growth only reaches about $14,258. A two-point change in churn is worth thousands of dollars by month 12.
The end-of-year MRR headline is your projected month-12 figure. ARR is that number multiplied by 12 — a run-rate annualization, not the cash you will actually collect this year. It assumes your rates stay constant, which they never perfectly do, so treat the projection as a planning baseline: rerun it monthly with fresh numbers and watch whether your net rate is trending up or down. That trend is the real health metric.
The calculator subtracts your monthly churn rate from your monthly growth rate to get a net growth rate, then compounds your current MRR by that net rate each month for 12 months. For example, 8% growth with 3% churn means MRR grows 5% per month, compounded.
MRR is monthly recurring revenue — the predictable subscription revenue you collect each month. ARR is annual recurring revenue, calculated here as your projected month-12 MRR multiplied by 12. ARR is the run-rate figure investors usually ask for.
Early-stage SaaS companies often target 10–15% monthly growth, while more mature businesses see 3–7%. What matters most is net growth after churn: 10% growth with 8% churn nets only 2%, while 6% growth with 1% churn nets 5% and compounds much faster over a year.