aibizhub

Bootstrapped Growth

One-Person SaaS Valuation

Estimate what your solo SaaS is worth using indie/micro-SaaS multiples. Revenue, SDE, and profit methods with key valuation factors.

Your SaaS

Indie/micro-SaaS multiples, not VC multiples. Based on Acquire.com and MicroAcquire ranges.

Financials
Growth & Retention
Business Profile

Estimated Valuation

$191,400

Range: $168,000 - $217,500

Valuation Methods

MethodBasisMultipleValuation
Revenue Multiple$60,000 ARR3x$180,000
SDE Multiple$87,000 SDE2.5x$217,500
Profit Multiple$48,000 Annual Profit3.5x$168,000

Valuation Factors

Neutral

Growth rate

5% monthly growth is modest. Higher growth commands premium multiples.

Neutral

Churn rate

3% monthly churn is typical. Reducing it would directly increase valuation.

Neutral

Owner dependency

15h/week is moderate. Automating or documenting processes would improve valuation.

Neutral

Track record

2 years is early. More history increases buyer confidence.

Key insight

A $5000 MRR SaaS with 3% churn and 5% monthly growth is worth approximately $168,000 to $217,500, using indie/micro-SaaS multiples from platforms like Acquire.com and MicroAcquire.

How to use it

  1. Enter your ARR and annual profit. For solo SaaS, the difference between revenue and profit matters because buyers assess both top-line and bottom-line multiples.
  2. Set your monthly growth rate and monthly churn rate. These are the two strongest drivers of valuation multiples in indie/micro-SaaS transactions.
  3. Enter years in operation and owner hours per week. Longer track records and lower owner dependency both increase multiples because they reduce buyer risk.
  4. Read the three valuation methods — Revenue Multiple, SDE Multiple, and Profit Multiple — along with the blended estimate and range.
  5. Review the valuation factors (positive, negative, neutral) to understand what drives your multiple up or down. Reducing churn and owner dependency are typically the highest-leverage improvements.

AI Integrations

Contract, discovery endpoints, and developer notes for agent use.

Always available for agents

Tool contract JSON

https://aibizhub.io/contracts/one-person-saas-valuation.json

Stable input and output contract for this exact tool.

Human review

People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.

{
  "tool": "one_person_saas_valuation",
  "arr": 60000,
  "annual_profit": 48000,
  "monthly_growth_rate": 5,
  "years_in_operation": 2,
  "churn_rate": 3,
  "owner_hours_per_week": 15
}
Expand developer notes

Agent playbook

  1. Resolve One-Person SaaS Valuation from /agent-tools.json and open its contract before execution.
  2. Validate inputs against the contract schema instead of scraping labels from the page UI.
  3. Open the browser page only when a person wants to review charts, assumptions, or related tools.

Agent FAQ

Should ChatGPT, Claude, or another agent click through the UI?

No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.

When do tools show Quick and Advanced?

Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.

When should an agent still open the browser page?

Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.

Questions people usually ask
What multiples does this use?

Indie/micro-SaaS multiples, not VC multiples. Revenue: 2-5x ARR, SDE: 2-4x, Profit: 3-6x. These reflect actual transaction data from platforms like Acquire.com and MicroAcquire, not venture-backed startup valuations.

What is SDE?

Seller's Discretionary Earnings = annual profit + owner salary equivalent. For a solo SaaS, SDE includes the profit plus the imputed value of the owner's time (calculated at $50/hour x weekly hours x 52 weeks).

What drives the multiple up or down?

Higher multiples come from: high monthly growth (>5%), low churn (<3%), low owner dependency (<10h/week), and 3+ years of operation. Lower multiples come from: flat/declining growth, high churn (>5%), high owner dependency (>30h/week), and <1 year track record.

How is the blended estimate calculated?

The blended estimate weights Revenue Multiple at 30%, SDE Multiple at 40%, and Profit Multiple at 30%. This balances top-line potential, owner-adjusted earnings, and bottom-line profitability.

Is this tool free and private?

Yes. All calculations run in your browser. No data is sent anywhere. No signup required.

Is this a professional valuation?

No. This is a planning estimate using typical indie/micro-SaaS multiples. For a formal valuation tied to a sale or investment, engage a business broker or M&A advisor.

Related Resources

Learn the decision before you act

Every link here is tied directly to One-Person SaaS Valuation. Use the explanation, formula, examples, and benchmarks to pressure-test the calculator output from first principles.

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Business planning estimates — not legal, tax, or accounting advice.