Finance

Advanced Subscription LTV

Discounted LTV accounting for churn, expansion, contraction, and margin. Contribution LTV by year plus churn sensitivity.

Finance · LTV Waterfall

$8,598 discounted LTV

Net of churn drag, expansion lift, and time-value discount over a 60-month horizon.

Avg lifetime
50.0 mo
Gross → Discount → Churn → Expansion → Net
Per customer · USD
$14,400
Gross
-$2,991
Discount
-$4,555
Churn
+$1,743
Expansion
$8,598
Net LTV
Discounted LTV
$8,598
Simple LTV
$12,000
Monthly contrib
$240
Avg lifetime
50.0 mo

Customer economics

Inputs · USD / %

Cohort retention curves

60 months · % surviving
0%25%50%75%100%M0M12M24M36M48M60
Best (-30% churn)
Base
Worst (+30% churn)
Contributed LTV by year
Y1
$2,538
Y2
$2,041
Y3
$1,640
Y4
$1,319
Y5
$1,060
Drill-down

Payback period

Months to recoup CAC · 3× / 6× / 9× / 12×
CAC ≈ $720 (3× monthly contrib)
3.0 mo
CAC ≈ $1,440 (6× monthly contrib)
6.0 mo
CAC ≈ $2,160 (9× monthly contrib)
9.0 mo
CAC ≈ $2,880 (12× monthly contrib)
12.0 mo
Payback
Avg lifetime

Scenario ledger

Best · Base · Worst
Best case
$11,494
+33.7% vs base
Churn
1.40%/mo
Net exp.
+1.50%
Lifetime
71.4 mo
LTV / mo
$161
−30% churn · +0.5pp expansion
Base case
$8,598
Churn
2.00%/mo
Net exp.
+1.00%
Lifetime
50.0 mo
LTV / mo
$172
Inputs as entered
Worst case
$6,647
-22.7% vs base
Churn
2.60%/mo
Net exp.
+0.50%
Lifetime
38.5 mo
LTV / mo
$173
+30% churn · −0.5pp expansion