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Market & Strategy

Unit Economics Cheat Sheet

The eight metrics that define whether a business works at the unit level - formulas, benchmarks, and what investors are actually looking for when they ask about each one.

Customer Acquisition CostCAC
Formula
Total Sales & Marketing Spend / New Customers Acquired
Use the same time period for both - typically a quarter.
Benchmark: Varies by model. What matters is the ratio to LTV and payback period, not the absolute number.

CAC captures the fully-loaded cost of winning a new customer. Include salaries, ad spend, tools, events, and agency fees. Founders often undercount by excluding founder time or SDR salaries - that produces a flattering but useless number.

Watch: Blended CAC hides channel inefficiency. Break it out by channel (paid, organic, outbound, partner) to understand what's actually working.
Lifetime ValueLTV
Formula
ARPU × Gross Margin % / Churn Rate
Use monthly churn and monthly ARPU for monthly LTV. Annualize by multiplying by 12.
Benchmark: LTV:CAC > 3x is the standard threshold. Below 1x means you lose money on every customer.

LTV estimates how much revenue a customer generates over their lifetime with you, after accounting for the cost of delivering the product. Gross margin matters here - $10K in revenue from a customer with 30% margins is worth far less than $10K at 80%.

Watch: LTV is a model, not a fact. For early-stage companies with < 2 years of data, long-term LTV projections are speculative. Investors know this - be honest about your assumptions.
LTV:CAC RatioLTV:CAC
Formula
LTV / CAC
Calculate on a per-cohort basis when possible, not just company-wide averages.
Benchmark: > 3x is healthy. > 5x is strong. < 1x means the business model doesn't work at current economics.

The single most referenced unit economics metric in a VC pitch. It answers: for every dollar spent acquiring a customer, how many dollars come back? A ratio of 3x means you get $3 of LTV for every $1 of CAC - enough margin to cover overhead and generate profit.

Watch: A high LTV:CAC ratio with a long payback period can still produce a cash flow problem. The ratio tells you about long-run economics; payback period tells you about short-run survival.
CAC Payback PeriodPayback
Formula
CAC / (ARPU × Gross Margin %)
Result is in months. Use monthly ARPU.
Benchmark: < 12 months for SMB SaaS. < 18-24 months for mid-market. < 36 months for enterprise. Consumer is typically < 6 months.

How many months until you've recovered the cost of acquiring a customer. This is a cash flow metric, not a profitability metric. A 24-month payback with 5% monthly churn means you'll never fully recover CAC - churn will cut customers before they pay back.

Watch: Payback period determines how capital-efficient your growth is. Companies with short payback periods can fund growth from revenue. Companies with long payback periods need external capital to grow.
Gross MarginGM%
Formula
(Revenue - Cost of Goods Sold) / Revenue
COGS for SaaS includes hosting, support, onboarding, and third-party software - not just server costs.
Benchmark: SaaS: 70-85%. Marketplace: 50-70%. Hardware: 30-50%. Services: 20-40%.

The percentage of revenue left after delivering the product. High gross margins are what make SaaS businesses attractive - the marginal cost of serving an additional customer approaches zero, so most incremental revenue drops to the bottom line.

Watch: Founders often inflate gross margin by excluding support, onboarding, or customer success costs from COGS. Investors will restate this. Use a fully-loaded COGS number.
Net Revenue RetentionNRR
Formula
(Starting MRR + Expansion - Contraction - Churned MRR) / Starting MRR
Measure over a 12-month window for annual NRR. Also called Net Dollar Retention (NDR).
Benchmark: > 100% means existing customers grow revenue over time. Best-in-class SaaS companies (Snowflake, Twilio) run 120-150%+.

NRR measures whether your existing customer base is growing or shrinking in revenue terms, independent of new sales. An NRR above 100% means you could stop acquiring new customers entirely and still grow - expansion from existing accounts offsets any churn.

Watch: NRR is the most important retention metric for B2B SaaS. It's a leading indicator of product-market fit with existing customers and the ceiling on how efficiently you can scale.
Churn RateChurn
Formula
Lost MRR (or Customers) / Starting MRR (or Customers)
Revenue churn and customer churn tell different stories. Track both.
Benchmark: Monthly revenue churn < 1% is strong for SMB SaaS. < 0.5% for mid-market. Enterprise targets near-zero logo churn.

The rate at which customers or revenue leaves the business. Revenue churn matters more than customer churn - losing your largest account is far more damaging than losing 10 small ones. Negative revenue churn (where expansion > churn) is the goal.

Watch: Early-stage companies with small customer counts will see churn fluctuate wildly month to month. Cohort analysis is more meaningful than a single monthly number when n < 50 customers.
Magic NumberMagic #
Formula
Net New ARR / Prior Quarter Sales & Marketing Spend
Use one-quarter lag on S&M spend to account for the delay between spending and revenue.
Benchmark: > 0.75 is efficient. > 1.0 means every $1 in S&M generates > $1 in ARR - strong signal to invest more in go-to-market.

A go-to-market efficiency metric that tells you how much new ARR you generate per dollar of sales and marketing spend. Most useful after you have 4+ quarters of ARR data and a consistent sales motion. Less relevant pre-product-market fit.

Watch: The Magic Number assumes a relatively stable sales cycle. It can be misleading for companies with long enterprise cycles where revenue recognized today reflects deals closed 6-12 months ago.

Common mistakes

Mixing time periods
Using Q1 CAC with full-year LTV, or monthly churn with quarterly ARPU. Every input needs to be on the same time basis.
Excluding founder time from CAC
If you're doing sales yourself, your time has a cost. Investors will impute a market-rate salary when building their model.
Presenting LTV without gross margin
LTV on revenue alone is meaningless. A $10K customer with 20% margins is worth $2K of value - not $10K.
Using logo churn when revenue churn is what matters
Churning 20 $50/mo customers while retaining one $10K/mo enterprise account shows up as high logo churn but near-zero revenue churn.
Projecting LTV beyond your data
If your oldest customer is 18 months old, don't present 5-year LTV. Investors won't believe it and it signals you're gaming the math.