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LTV:CAC Ratio Calculator

June 30, 2026 • By the Investor Sam Editorial Team • Reviewed by Berly Sam Varghese, Editor
The LTV:CAC ratio is the single most-watched health metric for any recurring-revenue business. It answers one question: for every dollar you spend acquiring a customer, how many dollars of lifetime value do you get back. This calculator divides lifetime value by acquisition cost and flags where you land against the classic benchmarks. Below one you lose money on every customer; around three is the widely cited sweet spot; far above it and you may be underinvesting in growth.

Example: Customer lifetime value (LTV): 800 $ · Customer acquisition cost (CAC): 200 $

LTV : CAC ratio4
CAC as fraction of LTV0.25

Worked example

With an $800 lifetime value and a $200 acquisition cost, the LTV:CAC ratio is 800 divided by 200, or 4.0. That means every dollar spent acquiring a customer returns four dollars of lifetime value, comfortably above the 3.0 benchmark. The CAC also equals just 25% of LTV, leaving healthy room for the rest of your costs and profit.

Frequently asked questions

What is a good LTV:CAC ratio?

The common benchmark is 3:1. Around 1:1 you barely cover acquisition; below 1 you lose money on each customer. Much above 3:1, say 5:1 or more, can signal you are underspending on growth and leaving market share on the table.

Should LTV be based on revenue or profit?

On gross profit. Using revenue overstates the ratio because it ignores the cost of delivering the product. A margin-based LTV keeps the comparison honest against your acquisition spend.

Does a high ratio mean I should spend more?

Often, yes. A very high ratio suggests you could profitably acquire more customers by increasing marketing, as long as the extra spend keeps LTV comfortably above CAC and you can fund the growth.

What else matters besides the ratio?

CAC payback period, how many months it takes to earn back acquisition cost, matters just as much. A great ratio with a two-year payback can still strain cash flow. Watch both together.

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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.