Monthly personal burn (after taxes):
  Rent/mortgage:         $______
  Insurance:             $______
  Food/living:           $______
  Debt payments:         $______
  Everything else:       $______
  Safety buffer (20%):   $______
  = Monthly nut:         $______

Required MRR to quit:
  Monthly nut ÷ 0.70 = $______
  (0.70 accounts for taxes, SaaS costs, and variance)

At your target price point ($X/mo):
  Required MRR ÷ Price = customers needed

Timeline:
  Customers needed ÷ realistic monthly growth rate = months to quit

Runway calculation:
  Current savings available for this venture: $______
  Monthly burn while building (no revenue):  $______
  Savings ÷ Monthly burn = months of runway: ______

  Hard deadline: Date you MUST have revenue or go back to employment.

Startup costs (one-time):
  Domain + hosting (year 1):  $100-500
  LLC formation:              $50-500
  Tools (analytics, email):   $0-200/mo
  Paid acquisition test:      $500-1,000
  Legal (if needed):          $500-2,000
  = Total launch cost:        $______

Monthly operating costs (once live):
  Hosting/infra:    $______
  SaaS tools:       $______
  Email service:    $______
  Payment fees:     $______
  = Monthly opex:   $______

MRR = Sum of all active monthly subscription amounts

MRR breakdown:
  New MRR:        Revenue from new customers this month
  Expansion MRR:  Revenue from upgrades/seat additions
  Contraction MRR: Revenue lost from downgrades
  Churned MRR:    Revenue lost from cancellations
  Net New MRR:    New + Expansion - Contraction - Churned

ARR = MRR × 12
(Only use this once MRR is relatively stable. Don't annualize your first month.)

CAC = Total acquisition spend ÷ New customers acquired (in same period)

Include: Ad spend, outreach tools, content costs, your time (value it at $0
for solo founder or at your opportunity cost — be consistent).

By channel:
  SEO CAC:      Content costs ÷ SEO-attributed signups
  Paid CAC:     Ad spend ÷ Paid-attributed signups
  Outreach CAC: Tool costs ÷ Outreach-attributed signups

Simple LTV:
  LTV = ARPU ÷ Monthly churn rate

Example:
  ARPU = $49/mo, Monthly churn = 5%
  LTV = $49 ÷ 0.05 = $980

With gross margin:
  LTV = (ARPU × Gross margin %) ÷ Monthly churn rate

LTV:CAC = LTV ÷ CAC

Benchmarks:
  < 1:1   You lose money on every customer. Stop spending.
  1-3:1   Unsustainable. Improve retention or reduce CAC.
  3:1     Healthy target for most SaaS.
  > 5:1   You're probably underinvesting in growth.

Payback = CAC ÷ (ARPU × Gross margin %)

Example:
  CAC = $150, ARPU = $49/mo, Gross margin = 85%
  Payback = $150 ÷ ($49 × 0.85) = 3.6 months

Benchmarks:
  < 6 months:  Excellent for solo founder
  6-12 months: Acceptable
  > 12 months: Dangerous without funding

Logo churn (customer count):
  Customers lost this month ÷ Customers at start of month

Revenue churn (MRR):
  MRR lost this month ÷ MRR at start of month

Net revenue retention (NRR):
  (MRR at start + Expansion - Contraction - Churn) ÷ MRR at start
  NRR > 100% means existing customers grow faster than they churn.

Benchmarks:
  Logo churn < 5%/mo:   Acceptable early stage
  Logo churn < 3%/mo:   Good
  Revenue churn < 2%/mo: Target
  NRR > 100%:           Excellent (expansion revenue working)

| Metric                    | Month 1 | Month 2 | Month 3 | ... |
|---------------------------|---------|---------|---------|-----|
| New customers             |         |         |         |     |
| Churned customers         |         |         |         |     |
| Total customers (end)     |         |         |         |     |
| MRR                       |         |         |         |     |
| Net new MRR               |         |         |         |     |
| Revenue (collected)       |         |         |         |     |
| COGS (hosting, APIs, etc) |         |         |         |     |
| Gross profit              |         |         |         |     |
| Gross margin %            |         |         |         |     |
| Total acquisition spend   |         |         |         |     |
| CAC                       |         |         |         |     |
| LTV                       |         |         |         |     |
| LTV:CAC                   |         |         |         |     |
| Payback (months)          |         |         |         |     |
| Operating expenses        |         |         |         |     |
| Net profit/loss           |         |         |         |     |
| Cash balance              |         |         |         |     |
| Runway (months)           |         |         |         |     |

Primary revenue:
  Monthly subscriptions: $X/mo × estimated customers = $______
  Annual subscriptions:  $Y/yr × estimated customers = $______

Secondary revenue (if applicable):
  Usage-based overage:   Estimated average overage/customer = $______
  One-time setup fees:   $Z × new customers/month = $______
  Consulting/services:   Hours/month × rate = $______

Revenue mix target:
  Recurring %:    ____% (target >80%)
  One-time %:     ____% (keep <20%)
  Services %:     ____% (keep <10% — doesn't scale)

Conservative monthly growth rates by stage:
  Pre-revenue to $1K MRR:     add 5-15 customers/month
  $1K-$5K MRR:                10-20% MRR growth/month
  $5K-$20K MRR:               5-15% MRR growth/month
  $20K+ MRR:                  3-8% MRR growth/month

3-month forecast:
  Current MRR × (1 + monthly growth rate)^3 = projected MRR

Break-even forecast:
  Monthly opex ÷ ARPU = customers needed to break even
  Customers needed ÷ monthly new customers = months to break even