Tool · Investor Sam Biz

MRR to ARR Growth Calculator

June 30, 2026 • By the Investor Sam Editorial Team • Reviewed by Berly Sam Varghese, Editor
Monthly recurring revenue, or MRR, is the heartbeat of a subscription business, and annual recurring revenue, or ARR, is simply MRR times twelve. But the number investors and operators really care about is where that recurring revenue is heading. This calculator converts your current MRR to ARR and compounds your monthly growth rate over a year to project where you will land. Small differences in monthly growth compound into very different annual outcomes.

Example: Current monthly recurring revenue: 20000 $ · Monthly growth rate: 8 %

Current ARR$240,000
Projected MRR in 12 months$50,363
Projected ARR in 12 months$604,361
MRR gained over the year$30,363

Worked example

Start at $20,000 MRR, which is $240,000 ARR today. Grow 8% a month and after twelve months of compounding the MRR reaches about $50,363, roughly 2.5 times where you started, for a projected ARR near $604,000. That is $30,363 of new MRR added purely from steady monthly growth, showing why compounding growth is the whole game in SaaS.

Frequently asked questions

How is ARR calculated?

ARR is simply your current MRR multiplied by twelve. It represents the annualized run rate of your recurring revenue, assuming today's MRR held for a year. Growth and churn then move it up or down.

Is compounding growth realistic?

Sustained high monthly growth is hard to maintain as you scale, since each month's target grows in absolute terms. Use this projection as a best-case run rate and revisit the growth rate as you get larger.

Does this account for churn?

The growth rate you enter should be your net growth rate, new and expansion revenue minus churned revenue. If you enter gross growth, the projection will be too optimistic. Our churn-impact tool helps quantify the drag.

Why do investors focus on ARR?

ARR normalizes recurring revenue into an annual figure that is easy to compare across companies and to value. Growth rate of ARR, not just its size, is what drives most SaaS valuations.

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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.