LTV:CAC Ratio Calculator

2026 BENCHMARKS
CPL$198
CAC$847

Step 1: Lifetime Value

Customer revenue metrics

Lifetime Value Inputs

500100,000
1/year24/year
6 months120 months
20%95%

Excellent Efficiency

Benchmark: 3:1 healthy, 5:1 excellent

14.0x Ratio

LTV:CAC Ratio

14.0x

Benchmark: 3:1 healthy

Customer LTV

$126,000.00

Gross margin adjusted

Customer CAC

$9,000.00

Fully-loaded cost

Payback Period

3 months

Target: <12 months

CAC as % of LTV

7%

Lower is better

Max Allowable CAC

$42,000.00

For 3:1 ratio

LTV:CAC Health Gauge14.0x
1:12:13:15:1+

Calculator Knowledge Base and Scientific Documentation

Quick Reference

The Scientific Model

LTV:CAC Ratio Formula

Formula

Why this approach:

People Also Ask

What is a good LTV:CAC ratio?
A ratio of 3:1 is generally considered healthy for B2B SaaS. This means you earn $3 for every $1 spent on acquisition. Ratios above 5:1 indicate excellent unit economics.
What does a low LTV:CAC ratio mean?
A ratio below 2:1 indicates you're spending too much to acquire customers relative to their value. Either increase customer value through better retention/upselling, or reduce acquisition costs.
How can I improve my LTV:CAC ratio?
Focus on: (1) Reducing CAC through better targeting and conversion optimization, (2) Increasing LTV through reduced churn and expansion revenue, (3) Improving gross margins.

Contextual ROI: The Intangibles