Startup

MRR / ARR Growth Calculator

Project where your bootstrapped SaaS lands at 3, 6, and 12 months from current MRR and growth assumptions. See how many months until you hit a target ARR you can live on.

Result

MRR in 12 months

$72,965

MRR over 12 months

ARR in 12 months

$875,576

Compound monthly growth

9.3%

Net revenue retention (annual)

88.6%

Months to target ARR

4 mo

MRR growth trajectory

Projected monthly recurring revenue over time

M1M7M12

MRR

$72,965

General business information, not legal, tax or financial advice. The result comes only from your inputs and the published method. How we check our numbers.

How to use it

Enter your current MRR, the ARPU each new subscriber pays, monthly new subscribers, monthly churn, expansion MRR from upsells, the projection period, and optionally a target ARR milestone. Each month the model removes churn from MRR and adds new subscribers × ARPU plus expansion.
Read MRR in 12 months, ARR in 12 months, the compound monthly growth rate, annual net revenue retention, and the months until you reach the target ARR; the chart shows MRR month by month for the projection period. NRR above 100% means existing customers are growing faster than they churn — a core SaaS health signal.
Interpret the MRR trajectory chart to see if growth is compounding or flattening. A flattening curve with high churn often means new subscriber additions are just backfilling churned revenue rather than growing the base.
Use the months-to-target-ARR output as a reality check on fundraising timelines or hiring plans. If the number is beyond your runway, either reduce churn, increase new subscriber velocity, or reprice to raise ARPU.
Re-run monthly with actual cohort data. Track NRR and MRR growth rate separately — NRR tells you if your product earns expansion; net new MRR growth tells you if your GTM is working.

Questions people usually ask

What is MRR and ARR?

MRR (Monthly Recurring Revenue) is the predictable revenue a SaaS business earns each month from active subscriptions. ARR (Annual Recurring Revenue) is MRR × 12 — the annualised view. Both exclude one-time fees and professional services.

What is Net Revenue Retention (NRR)?

NRR measures what percentage of revenue you retain from existing customers after accounting for churn, downgrades, and expansion (upsells). NRR above 100% means existing customers are worth more over time without new acquisition. Below 100% means churn exceeds expansion.

What is a good NRR for SaaS?

World-class SaaS companies target NRR above 120%. 100-110% is healthy. 90-100% is common for SMB-focused products with higher churn. Below 90% typically means retention is broken and scaling acquisition will accelerate losses.

How is churn modelled in this calculator?

Churn is applied monthly as a percentage of current MRR. New subscriber MRR is added each month based on new subscribers × ARPU. Expansion MRR is added as a flat monthly amount. This is a standard cohort-free approximation — for precision, model each cohort separately.

Is this tool free and private?

Yes. AI Biz Hub tools run entirely in your browser with no signup required. Inputs stay local unless you share the URL.

Is this financial advice?

No. Outputs are planning estimates. Validate with actual cohort data and a qualified financial advisor for fundraising or board-level reporting.

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Use it from code

The same calculation as a JavaScript module you can import. It runs where you import it, with no request, key or rate limit.

import { compute } from "https://aibizhub.io/engines/mrr-arr-growth-calculator.js";

Input and output contract, TypeScript types and the guide for agents.