SaaS churn calculator
See exactly how much revenue you lose to churn every month — and how much you could recover by fixing failed payments.
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Takes 30 seconds. No sign-up required.
Paying subscribers right now
Total monthly recurring revenue
% of customers lost per month
5–15%
of SaaS churn is from failed payments
45%
SMS open rate vs 20% for dunning emails
30–40%
of failed payments recovered with SMS
Why SaaS companies lose revenue they don't have to
Voluntary churn is hard to fix. Involuntary churn from failed payments is not — if you act fast enough.
Expired credit cards
Cards expire every 3–4 years. Most customers don't proactively update their billing details.
Insufficient funds
Temporary cash flow issues on the billing date cause declines that resolve themselves within days.
Bank fraud blocks
Banks flag recurring charges, especially cross-border ones, causing unexpected declines.
Subscription fatigue
Customers who intended to stay get declined and don't bother re-entering details without a nudge.
Recover failed payments before customers churn
RecoverPing connects to your Stripe account and automatically sends an SMS the moment a payment fails — with a one-tap link to update billing details. No login required for your customer.
- SMS alert within seconds of a payment failure
- One-tap Stripe Customer Portal link (no login)
- Multi-step recovery flows with custom delays
- Email fallback when no phone number is available
- Automatic recovery detection — stops messages when paid
What happens when a payment fails
Payment fails in Stripe
RecoverPing receives webhook
SMS sent: "Your payment failed — update here →"
Follow-up email if no action taken
Final SMS reminder
Customer updates card — recovered
Frequently asked questions
What is a good SaaS churn rate?
A monthly churn rate below 1% is considered excellent for B2B SaaS. 2–3% is average for SMB-focused products. Anything above 5% per month requires urgent attention — at that rate you need to replace more than half your customer base every year just to stay flat.
What percentage of SaaS churn is from failed payments?
Industry research consistently shows 5–15% of SaaS churn is involuntary — caused by expired cards, insufficient funds, or bank declines rather than customer dissatisfaction. This is usually the easiest type to recover because the customer still wants your product.
How do you calculate annual revenue lost to churn?
Multiply your MRR by your monthly churn rate to get monthly revenue lost. Multiply that by 12 for the annual figure. For example: $50,000 MRR × 3% churn = $1,500/month lost, or $18,000 per year. Our calculator also accounts for compound loss using exponential decay.
How can I reduce involuntary churn from failed payments?
Automated dunning tools send alerts the moment a payment fails, with a one-tap link to update billing details. SMS-based tools like RecoverPing achieve 2–3x the recovery rate of email alone, because SMS has a 45% open rate vs 20% for email.
Stop losing revenue to failed payments
RecoverPing connects to Stripe in 5 minutes and starts recovering failed payments automatically. Starter plan from $19/mo.