Tool · Investor Sam Biz

Churn Revenue Impact Calculator

June 30, 2026 • By the Investor Sam Editorial Team • Reviewed by Berly Sam Varghese, Editor
Churn is the silent leak in every subscription business. A monthly churn rate that sounds small, say 5%, quietly drains a large share of your revenue over a year because it compounds. This calculator turns your monthly churn rate and current MRR into the dollars you lose each month and each year, and converts the monthly rate into its true annual equivalent. Seeing the annual figure is usually what motivates a serious retention effort.

Example: Current monthly recurring revenue: 20000 $ · Monthly churn rate: 5 %

Revenue lost per month$1,000
Revenue lost per year$12,000
Equivalent annual churn45.96%

Worked example

At $20,000 MRR and 5% monthly churn, you lose $1,000 of recurring revenue every month, about $12,000 over a year at the current base. More striking, a 5% monthly churn compounds to roughly a 46% annual churn, meaning nearly half your customer base would leave in a year if unchecked. That is the number that turns retention from a nice-to-have into a priority.

Frequently asked questions

Why is annual churn higher than 12 times monthly churn?

Because churn compounds. Each month a percentage of the remaining customers leave, so the annual figure is one minus the survival rate raised to the twelfth power, not a simple multiplication. A 5% monthly churn is about 46% annually, not 60%.

What is a healthy churn rate?

It varies by market. Consumer subscriptions often tolerate higher churn than business software, where monthly churn under 1 to 2% is considered strong. Compare to peers in your segment rather than an absolute number.

Does this include expansion revenue?

No. This tool measures gross revenue lost to churn. If existing customers upgrade, that expansion can offset churn, and your net revenue retention may still be positive even with meaningful gross churn.

How do I reduce churn?

Improve onboarding, fix the reasons customers leave, add value that grows over time, and catch at-risk accounts early. Because churn compounds, even a one-point monthly improvement pays off substantially over a year.

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Sources

Berly Sam Varghese · Editor, Investor Sam

Berly Sam Varghese is an engineer who treats money the way he treats any hard problem — something to be engineered, not gambled on. He funded years of education and built real financial stability the patient way, by living below his means and investing rather than borrowing. He writes for the person building something and trying to keep the finances sane. He reviews and approves every article on Investor Sam and checks the figures against primary sources before anything is published. More about our standards.