Burn Rate Calculator

Nick Gallo

Certified Public Accountant

In this article

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April 17, 2026

Zeni SaaS LTV Calculator

SaaS LTV calculator

Calculate your customer lifetime value, LTV:CAC ratio, and payback period — the metrics every VC will ask about in your next fundraise.

* Best suited for venture-backed SaaS startups.

Enter your metrics to calculate customer lifetime value

Avg. revenue per account (ARPA)

Monthly MRR per customer

Gross margin

Typically 60–80% for SaaS

Monthly churn rate

% of customers lost / mo

Customer acquisition cost (CAC)

Total cost to acquire 1 customer

Customer LTV

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LTV:CAC ratio

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CAC payback period

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Avg. customer lifespan

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The results shown are for hypothetical purposes only and are only a potential estimate. This calculator is not intended to offer any tax, legal, or financial advice. Please consult with qualified professionals to discuss your situation.

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*Zeni is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.

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I. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

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II. The interest rates and annual percentage yield on your account are accurate as of 12/11/2025 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between .37%-2.90% depending on the balances held. Earn 0.37% APY on checking balances of less than $250,000, 1.18% APY on balances between $250,000 and $500,000, 2.00% APY on savings balances between $500,000 and $1,500,000, 2.83% APY on savings balances between $1,500,000 and $2,500,000 and 2.90% APY on savings balances of more than $2,500,000. There are no minimum balances or minimum deposits required to earn interest on your account.

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III. The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only. The Zeni Business Credit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

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IV. Payment services are provided by Community Federal Savings Bank and Column National Association, to which Nium, Inc. acts as a service provider. Zeni Inc is not licensed, nor exempt to provide any payment services in the US.

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SaaS LTV calculator

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