Finance

Customer Acquisition Cost (CAC) Calculator

Calculate how much it costs to acquire each new customer and evaluate your LTV:CAC ratio.

Formulas:
CAC = Total S&M Spend / New Customers
LTV = ARPU × Avg Lifetime × Gross Margin
LTV:CAC Ratio = LTV / CAC
Payback Period = CAC / (ARPU × Gross Margin)

CAC Benchmarks

IndustryAvg CACTarget LTV:CAC
SaaS (B2B)$200-5003:1 or higher
SaaS (B2C)$50-2003:1 or higher
E-commerce$10-503:1 to 5:1
Financial Services$200-10003:1+

The 3:1 Rule

A healthy business should have an LTV:CAC ratio of at least 3:1 — each customer generates 3× what it cost to acquire them. Below 1:1 means you're losing money on every customer. Above 5:1 might mean you're under-investing in growth.

CAC Payback Period

How many months it takes to recoup the acquisition cost. Best-in-class SaaS companies achieve payback in under 12 months. Above 18 months is concerning.