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Calculate SaaS revenue, retention, and growth metrics. Use when diagnosing momentum, churn, expansion, or product-market-fit signals.
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Calculate SaaS revenue, retention, and growth metrics. Use when diagnosing momentum, churn, expansion, or product-market-fit signals. </> SKILL.md
saas-revenue-growth-metrics.SKILL.md
---
name : saas-revenue-growth-metrics
argument-hint: "[metrics or question]"
description : Calculate SaaS revenue, retention, and growth metrics. Use when diagnosing momentum, churn, expansion, or product-market-fit signals.
intent : >-
Master revenue and retention metrics to understand SaaS business momentum, evaluate product-market fit, and make data-driven decisions about growth investments. Use this to calculate key metrics, interpret trends, identify problems early, and communicate business health to stakeholders.
type : component
theme : finance-metrics
best_for:
- "Understanding your key revenue and retention metrics"
- "Calculating MRR, ARR, churn, and NRR correctly"
- "Building a metrics dashboard for your SaaS product"
scenarios:
- "I need to calculate and interpret our MRR, churn rate, and NRR for a board deck"
- "Help me understand the difference between gross and net revenue retention and how to improve it"
estimated_time : "10-15 min"
---
## Purpose
Master revenue and retention metrics to understand SaaS business momentum, evaluate product-market fit, and make data-driven decisions about growth investments. Use this to calculate key metrics, interpret trends, identify problems early, and communicate business health to stakeholders.
This is not a business intelligence tool—it's a framework for PMs to understand which metrics matter, how to calculate them correctly, and what actions to take based on the numbers.
Flowy AI Flows that just work. Hand-picked Claude Code plugins that fire the right skill as you prompt.
## Input
**Works best with:** The question you're answering (is growth healthy? is churn a fire?) or the metrics you want interpreted.
**Also useful:** Your numbers — MRR/ARR, growth rate, GRR/NRR, expansion, cohort data — partial data is workable.
Anything supplied with the invocation itself — text after the skill name, a pasted context dump, or an appended `ARGUMENTS:` line — counts as answers already given. Use it and skip whatever it covers; don't re-ask.
**Arriving empty-handed? That works too.** Use it as a reference: read the metric sections relevant to your diagnosis.
**Example invocation:** `Interpret these: $4M ARR, 8% MoM growth, GRR 88%, NRR 103% — is the growth masking a churn problem?`
## Key Concepts
### Revenue Metrics Family
The "top-line" metrics that measure how much money the business generates.
**Revenue** — Total money earned from selling products/services before expenses. The "top line" of the income statement.
- **Why PMs care:** Every feature should connect to revenue (direct or indirect). If you can't articulate revenue impact, prioritization becomes impossible.
- **Formula:** Sum of all customer payments in a period
- **Benchmark:** Growth rate matters more than absolute number (context-dependent by stage)
**ARPU (Average Revenue Per User)** — Average revenue generated per individual user.
- **Why PMs care:** Measures per-seat monetization effectiveness. Critical for seat-based pricing models.
- **Formula:** `Total Revenue / Total Users`
- **Benchmark:** Varies by model; track trend more than absolute value
- **B2C SaaS:** $5-50/month typical; B2B: $50-500+/month
**ARPA (Average Revenue Per Account)** — Average revenue generated per customer account.
- **Why PMs care:** Measures account-level deal size. Critical for account-based pricing models.
- **Formula:** `MRR / Active Accounts`
- **Benchmark:** SMB SaaS: $100-$1K/month; Mid-market: $1K-$10K; Enterprise: $10K+
**ARPA/ARPU Analysis** — Using both metrics together to understand monetization.
- **Why PMs care:** Prevents packaging mistakes. High ARPA + low ARPU = undermonetized per seat. Low ARPA + high ARPU = small deal sizes.
- **Example:** $10K ARPA with 100 seats = $100 ARPU (reasonable). $10K ARPA with 1,000 seats = $10 ARPU (leaving money on table).
**ACV (Annual Contract Value)** — Annualized recurring revenue per contract (excludes one-time fees).
- **Why PMs care:** Compares economics across different contract structures. Enables sales compensation design and segment analysis.
- **Formula:** `Annual Recurring Revenue per Contract` (don't include setup fees, professional services)
- **Benchmark:** SMB: $5K-$25K; Mid-market: $25K-$100K; Enterprise: $100K+
**MRR/ARR (Monthly/Annual Recurring Revenue)** — Predictable recurring revenue normalized to monthly or annual.
- **Why PMs care:** The heartbeat of subscription businesses. Valued at 5-10x+ multiples. Track components (new, expansion, churn).
- **Formula:** `MRR = Sum of all recurring subscription revenue per month`; `ARR = MRR × 12`
- **Benchmark:** Growth rate and quality matter; track new MRR, expansion MRR, churned MRR, contracted MRR
**Gross vs. Net Revenue** — Gross revenue before vs. net revenue after discounts, refunds, credits.
- **Why PMs care:** Discounts and refunds can hide bad acquisition quality or product problems.
- **Formula:** `Net Revenue = Gross Revenue - Discounts - Refunds - Credits`
- **Benchmark:** Refunds >10% is a red flag; track by acquisition channel
---
### Retention & Expansion Metrics Family
Metrics that measure how well you keep and grow existing customers.
**Churn Rate** — Percentage of customers who cancel in a period.
- **Why PMs care:** Silent killer of SaaS. Undermines all acquisition efforts. 5% monthly churn = 46% annual churn (compounding).
- **Formula:** `Customers Lost in Period / Starting Customers`
- **Benchmark (Monthly):** <2% great, 2-5% acceptable, >5% crisis
- **Benchmark (Annual):** <10% great, 10-30% acceptable, >30% crisis
- **Note:** Logo churn (customer count) differs from revenue churn (dollar amount)
**NRR (Net Revenue Retention)** — Revenue retention from existing customers including expansion and contraction.
- **Why PMs care:** The holy grail metric. NRR >100% means you grow without new logos. Highly valued by investors.
- **Formula:** `(Starting ARR + Expansion - Churn - Contraction) / Starting ARR × 100`
- **Benchmark:** >120% excellent, 100-120% good, 90-100% acceptable, <90% problem
- **Example:** Start with $1M ARR, add $300K expansion, lose $100K to churn = $1.2M / $1M = 120% NRR
**Expansion Revenue** — Additional revenue from existing customers (upsells, cross-sells, usage growth).
- **Why PMs care:** Most capital-efficient revenue (no CAC). Should drive NRR >100%.
- **Formula:** `Sum of upsells + cross-sells + usage increases from existing customers`
- **Benchmark:** Should represent 20-30% of total revenue; drives NRR >100%
**Quick Ratio (SaaS)** — Revenue gains vs. revenue losses.
- **Why PMs care:** Shows if you're building on solid ground or running on a treadmill.
- **Formula:** `(New MRR + Expansion MRR) / (Churned MRR + Contraction MRR)`
- **Benchmark:** >4 excellent, 2-4 healthy, <2 leaky bucket
---
### Analysis Frameworks
**Revenue Mix Analysis** — Breakdown of revenue by product, segment, or channel.
- **Why PMs care:** Identifies which products fund the business and where to invest. Reveals concentration risk.
- **Formula:** `Product/Segment Revenue / Total Revenue × 100`
- **Benchmark:** No single product >60% ideal; diversification reduces risk
**Cohort Analysis** — Group customers by join date and track behavior over time.
- **Why PMs care:** Blended metrics hide critical trends. Shows whether business is improving or degrading.
- **Method:** Track retention, expansion, and LTV by cohort (e.g., "Jan 2024 cohort")
- **Benchmark:** Recent cohorts should perform same or better than old cohorts
---
### Anti-Patterns (What This Is NOT)
- **Not profit metrics:** Revenue is top-line, not bottom-line. High revenue with negative margins is a disaster.
- **Not vanity metrics:** Total revenue growth means nothing if driven by unsustainable discounting or margin-destroying deals.
- **Not blended averages:** ARPU that averages $10 SMB and $1,000 enterprise customers hides segment economics.
- **Not isolated numbers:** Churn rate alone doesn't tell the story—need to see cohort trends and NRR.
---
### When to Use These Metrics
**Use these when:**
- Evaluating overall business health and product-market fit
- Comparing performance across time periods or cohorts
- Prioritizing features with direct monetization paths (ARPU impact, expansion enablers)
- Communicating with leadership, board, or investors
- Assessing retention problems (churn analysis, cohort degradation)
- Measuring pricing or packaging changes (ARPU/ARPA shifts)
**Don't use these when:**
- Evaluating profitability (use margin metrics instead)
- Assessing capital efficiency (use LTV:CAC, payback period)
- Making product investment decisions without cost context (revenue alone isn't ROI)
- Comparing across wildly different business models without normalization
---
## Application
### Step 1: Calculate Revenue Metrics
Use the templates in `template.md` to calculate your core revenue metrics.
#### Revenue
```
Revenue = Sum of all customer payments in period
```
**Example:**
- Month 1 payments: $100,000
- Revenue = $100,000
**Quality checks:**
- Is this gross or net revenue? (Clarify if discounts/refunds are included)
- Is revenue growing cohort-over-cohort, or just from new customer adds?
- What's the revenue growth rate vs. headcount/cost growth rate?
---
#### ARPU (Average Revenue Per User)
```
ARPU = Total Revenue / Total Users
```
**Example:**
- Total Revenue: $100,000/month
- Total Users: 2,000
- ARPU = $100,000 / 2,000 = $50/user/month
**Quality checks:**
- Is ARPU growing or shrinking over time?
- Is ARPU growth from price increases or mix shift (losing small customers)?
- How does ARPU vary by cohort? (Are new customers less valuable?)
---
#### ARPA (Average Revenue Per Account)
```
ARPA = MRR / Active Accounts
```
**Example:**
- MRR: $100,000
- Active Accounts: 200
- ARPA = $100,000 / 200 = $500/account/month
**Quality checks:**
- Is ARPA growing from expansion or just larger new deals?
- How does ARPA compare across customer segments?
- Is ARPA high but ARPU low? (Undermonetized per seat)
---
#### ARPA/ARPU Combined Analysis
```
ARPA = MRR / Active Accounts
ARPU = MRR / Total Users
Average Seats per Account = ARPA / ARPU
```
**Example:**
- ARPA: $500/month
- ARPU: $50/month
- Average Seats: $500 / $50 = 10 seats/account
**Quality checks:**
- Are you monetizing per seat effectively?
- Could you charge more per seat (raise ARPU)?
- Could you expand seat count per account (raise ARPA)?
---
#### ACV (Annual Contract Value)
```
ACV = Annual Recurring Revenue per Contract
(Exclude one-time fees like setup, professional services)
```
**Example:**
- Customer signs 3-year contract for $300K total
- ACV = $300K / 3 years = $100K/year
**Quality checks:**
- How does ACV vary by segment (SMB vs. Enterprise)?
- Is ACV growing over time (moving upmarket)?
- Does ACV justify sales team cost structure?
---
#### MRR/ARR (Monthly/Annual Recurring Revenue)
```
MRR = Sum of all recurring monthly subscriptions
ARR = MRR × 12
Track components:
- New MRR (from new customers)
- Expansion MRR (from upsells/cross-sells)
- Churned MRR (from lost customers)
- Contraction MRR (from downgrades)
```
**Example:**
- Starting MRR: $500K
- New MRR: +$50K
- Expansion MRR: +$20K
- Churned MRR: -$15K
- Contraction MRR: -$5K
- Ending MRR: $550K
- ARR = $550K × 12 = $6.6M
**Quality checks:**
- Is MRR growth from new customers or expansion?
- Is churn/contraction increasing as you grow?
- What's the ratio of new:expansion:churn MRR? (Best: expansion > new)
---
#### Gross vs. Net Revenue
```
Net Revenue = Gross Revenue - Discounts - Refunds - Credits
```
**Example:**
- Gross Revenue: $100K
- Discounts: -$10K
- Refunds: -$2K
- Net Revenue: $88K
**Quality checks:**
- Are discounts >20%? (Pricing power problem)
- Are refunds >10%? (Product quality problem)
- Do certain channels have higher discount/refund rates?
---
### Step 2: Calculate Retention & Expansion Metrics
#### Churn Rate
```
Logo Churn Rate = Customers Lost / Starting Customers × 100
Revenue Churn Rate = MRR Lost / Starting MRR × 100
```
**Example (Logo Churn):**
- Starting Customers: 1,000
- Customers Lost: 30
- Logo Churn = 30 / 1,000 = 3% monthly
**Example (Revenue Churn):**
- Starting MRR: $500K
- MRR Lost: $15K
- Revenue Churn = $15K / $500K = 3% monthly
**Quality checks:**
- Is churn rate accelerating or decelerating over time?
- Are newer cohorts churning faster than older ones? (PMF degradation)
- Is revenue churn higher than logo churn? (Losing big customers)
**Convert monthly to annual:**
- Monthly churn compounds: 3% monthly ≠ 36% annual
- Formula: `Annual Churn = 1 - (1 - Monthly Churn)^12`
- 3% monthly = ~31% annual churn
---
#### NRR (Net Revenue Retention)
```
NRR = (Starting ARR + Expansion - Churn - Contraction) / Starting ARR × 100
```
**Example:**
- Starting ARR: $5M
- Expansion: +$800K
- Churn: -$300K
- Contraction: -$100K
- Ending ARR from cohort: $5.4M
- NRR = $5.4M / $5M = 108%
**Quality checks:**
- Is NRR >100%? (You grow without new logos)
- Is NRR improving or degrading cohort-over-cohort?
- What's driving NRR? (Expansion or low churn?)
---
#### Expansion Revenue
```
Expansion Revenue = Upsells + Cross-sells + Usage Growth (from existing customers)
```
**Example:**
- Upsells to higher tier: $50K/month
- Cross-sells of add-ons: $20K/month
- Usage growth: $10K/month
- Total Expansion Revenue: $80K/month
**Quality checks:**
- Is expansion revenue growing as % of total revenue?
- What % of customers expand each year? (Expansion rate)
- Are certain cohorts/segments more likely to expand?
---
#### Quick Ratio (SaaS)
```
Quick Ratio = (New MRR + Expansion MRR) / (Churned MRR + Contraction MRR)
```
**Example:**
- New MRR: $50K
- Expansion MRR: $20K
- Churned MRR: $15K
- Contraction MRR: $5K
- Quick Ratio = ($50K + $20K) / ($15K + $5K) = $70K / $20K = 3.5
**Quality checks:**
- Quick Ratio >4 = excellent (gains far exceed losses)
- Quick Ratio 2-4 = healthy (sustainable growth)
- Quick Ratio <2 = leaky bucket (fix retention before scaling)
---
### Step 3: Analyze Trends with Frameworks
#### Revenue Mix Analysis
```
Product/Segment % = Product/Segment Revenue / Total Revenue × 100
```
**Example:**
- Product A Revenue: $300K
- Product B Revenue: $500K
- Product C Revenue: $200K
- Total Revenue: $1M
- Product A: 30%, Product B: 50%, Product C: 20%
**Quality checks:**
- Is revenue concentration increasing? (Risk: over-reliance on one product)
- Which products are growing/shrinking?
- Does revenue mix match your strategic priorities?
---
#### Cohort Analysis
Group customers by when they joined and track metrics over time.
**Example:**
| Cohort | Month 0 | Month 1 | Month 2 | Month 3 | Month 6 |
|--------|---------|---------|---------|---------|---------|
| Jan 2024 | 100% | 95% | 92% | 90% | 85% |
| Feb 2024 | 100% | 94% | 90% | 87% | 80% |
| Mar 2024 | 100% | 92% | 86% | 82% | - |
**Quality checks:**
- Are recent cohorts retaining better or worse than older cohorts?
- If worse: Product-market fit is degrading (fix before scaling)
- If better: Improvements are working (safe to scale)
- Track revenue retention by cohort, not just logo retention
---
### Step 4: Quality Checks & Benchmarks
Before reporting metrics, validate:
**Revenue metrics:**
- ✅ Gross vs. net revenue clearly labeled
- ✅ Revenue growth rate > cost growth rate
- ✅ ARPU/ARPA trends analyzed by cohort (not just blended)
**Retention metrics:**
- ✅ Logo churn and revenue churn both tracked
- ✅ Cohort-over-cohort trends analyzed (not just blended churn)
- ✅ NRR tracked with components (expansion, churn, contraction)
**Analysis:**
- ✅ Cohort analysis shows retention trends
- ✅ Revenue mix shows concentration risk
- ✅ Quick ratio shows growth sustainability
---
## Examples
See `examples/` folder for detailed scenarios. Mini examples below:
### Example 1: Healthy SaaS Metrics
**Company:** Mid-market project management SaaS
**Revenue Metrics:**
- MRR: $2M (growing 10% month-over-month)
- ARR: $24M
- ARPA: $1,200/month (200 accounts)
- ARPU: $120/month (20,000 users)
- Average seats: 100 per account
**Retention Metrics:**
- Monthly logo churn: 2%
- Revenue churn: 1.5% (losing smaller customers)
- NRR: 115% (strong expansion)
- Expansion revenue: $200K/month (10% of MRR)
- Quick Ratio: 5.0
**Analysis:**
- ✅ Strong growth (10% MoM MRR)
- ✅ Excellent retention (2% logo churn, 115% NRR)
- ✅ Healthy expansion (NRR >100%)
- ✅ Sustainable (Quick Ratio 5.0)
- ✅ Revenue churn < logo churn (losing smaller customers, good signal)
**Action:** Scale acquisition. Unit economics are strong.
---
### Example 2: Warning Signs
**Company:** SMB marketing automation SaaS
**Revenue Metrics:**
- MRR: $500K (growing 15% month-over-month)
- ARR: $6M
- ARPA: $250/month (2,000 accounts)
- ARPU: $50/month (10,000 users)
**Retention Metrics:**
- Monthly logo churn: 6% (increasing from 4% six months ago)
- Revenue churn: 7% (losing larger customers)
- NRR: 85% (contracting)
- Expansion revenue: $5K/month (1% of MRR)
- Quick Ratio: 1.2
**Cohort Analysis:**
| Cohort | Month 6 Retention |
|--------|-------------------|
| 6 months ago | 75% |
| 3 months ago | 65% |
| Current | 58% |
**Analysis:**
- ⚠️ High churn (6% monthly = ~50% annual)
- 🚨 Revenue churn > logo churn (losing bigger customers)
- 🚨 NRR <100% (contracting, not expanding)
- 🚨 Cohort degradation (newer customers churn faster)
- 🚨 Quick Ratio 1.2 (leaky bucket)
**Action:** STOP scaling acquisition. Fix retention first. Investigate:
- Why are newer cohorts churning faster?
- Why is expansion revenue only 1% of MRR?
- What's causing customer contraction?
---
### Example 3: Blended Metrics Hiding Problems
**Company:** Multi-product SaaS platform
**Blended Metrics Look Great:**
- MRR: $3M (growing 20% MoM)
- Blended churn: 3%
- Blended NRR: 110%
**But Revenue Mix Analysis Shows:**
| Product | Revenue | % of Total | Growth | Churn | NRR |
|---------|---------|------------|--------|-------|-----|
| Legacy Product | $2M | 67% | -5% MoM | 8% | 75% |
| New Product | $1M | 33% | +80% MoM | 1% | 150% |
**Analysis:**
- 🚨 Legacy product (67% of revenue) is dying: -5% growth, 8% churn, 75% NRR
- ✅ New product is stellar: +80% growth, 1% churn, 150% NRR
- ⚠️ Blended metrics hide the fact that 2/3 of revenue is contracting
- ⚠️ High dependency on one product (67% concentration risk)
**Action:** Accelerate migration from legacy to new product. Plan for legacy product sunset.
---
## Common Pitfalls
### Pitfall 1: Confusing Revenue with Profit
**Symptom:** "We grew revenue 50% this year, we're crushing it!"
**Consequence:** Revenue is the top line, not bottom line. You might be growing at a loss, destroying margins, or scaling unprofitable products.
**Fix:** Always pair revenue metrics with margin metrics (see `saas-economics-efficiency-metrics`). $1M revenue at 80% margin >> $2M revenue at 20% margin.
---
### Pitfall 2: Celebrating ARPU Growth from Mix Shift
**Symptom:** "ARPU increased 30%!" (but customer count dropped 40%)
**Consequence:** ARPU rose because you lost all your small customers, not because you improved monetization.
**Fix:** Analyze ARPU by cohort and segment. True ARPU improvement = same customers paying more, not losing cheap customers.
---
### Pitfall 3: Ignoring Cohort Degradation
**Symptom:** "Blended churn is stable at 3%"
**Consequence:** Blended metrics can hide that new cohorts churn at 6% while old cohorts churn at 1%. Product-market fit is degrading.
**Fix:** Always analyze retention by cohort. If newer cohorts perform worse, stop scaling and fix the product.
---
### Pitfall 4: Logo Churn vs. Revenue Churn Confusion
**Symptom:** "Logo churn is only 2%, we're great!"
**Consequence:** You might be losing 2% of customers but 10% of revenue if you're churning large customers.
**Fix:** Track both logo churn AND revenue churn. If revenue churn > logo churn, you're losing high-value customers.
---
### Pitfall 5: Treating All Churn Equally
**Symptom:** "We lost 50 customers this month" (no context on who)
**Consequence:** Losing 50 small customers ($10/month) is different from losing 50 enterprise customers ($10K/month).
**Fix:** Segment churn analysis by customer size, cohort, and reason. Weight by revenue impact, not just logo count.
---
### Pitfall 6: Forgetting Compounding Churn
**Symptom:** "3% monthly churn is fine, that's only 36% annually"
**Consequence:** Churn compounds. 3% monthly = 31% annual churn, not 36%. Math: `1 - (1 - 0.03)^12 = 31%`.
**Fix:** Use the correct formula when converting monthly to annual churn. Don't just multiply by 12.
---
### Pitfall 7: Celebrating Gross Revenue While Net Contracts
**Symptom:** "Gross revenue is up 20%!" (but discounts/refunds doubled)
**Consequence:** Net revenue might be flat or shrinking. Discounts hide pricing power problems; refunds hide product quality issues.
**Fix:** Always track gross AND net revenue. If discounts >20% or refunds >10%, investigate why.
---
### Pitfall 8: NRR >100% from Low Churn, Not Expansion
**Symptom:** "NRR is 105%, we're expanding!"
**Consequence:** NRR can be >100% just from very low churn, without meaningful expansion. True expansion-driven NRR is >120%.
**Fix:** Break down NRR into components: expansion MRR vs. churned/contracted MRR. Aim for expansion-driven NRR, not just low churn.
---
### Pitfall 9: Revenue Concentration Risk
**Symptom:** "We're at $10M ARR!" (but $5M is from one customer)
**Consequence:** Losing that one customer cuts revenue in half. Roadmap becomes hostage to one customer's requests.
**Fix:** Track revenue concentration. Ideal: Top customer <10% of revenue, Top 10 customers <40%. Diversify early.
---
### Pitfall 10: Averaging ARPU/ARPA Across Segments
**Symptom:** "Our ARPU is $100" (average of $10 SMB and $1,000 enterprise)
**Consequence:** Blended ARPU hides segment economics. Can't make smart acquisition or product decisions.
**Fix:** Calculate ARPU/ARPA by segment (SMB, mid-market, enterprise). Optimize each segment independently.
---
## References
### Related Skills
- `saas-economics-efficiency-metrics` — Unit economics (CAC, LTV, margins, burn rate)
- `finance-metrics-quickref` — Fast lookup for all metrics
- `feature-investment-advisor` — Uses revenue metrics to evaluate feature ROI
- `finance-based-pricing-advisor` — Uses ARPU/ARPA to evaluate pricing changes
- `business-health-diagnostic` — Uses revenue/retention metrics to diagnose business health
### External Frameworks
- **Bessemer Venture Partners:** "SaaS Metrics 2.0" — Definitive guide to SaaS metrics
- **David Skok (Matrix Partners):** "SaaS Metrics" blog series — Deep dive on unit economics
- **Tomasz Tunguz (Redpoint):** SaaS benchmarking research
- **Tien Tzuo:** *Subscribed* — Subscription business model fundamentals
- **ChartMogul, Baremetrics, ProfitWell:** SaaS analytics platforms with metric definitions
### Provenance
- Adapted from `research/finance/Finance for Product Managers.md`
- Consolidated from `research/finance/Finance_QuickRef.md`
- Common mistakes from `research/finance/Finance_Metrics_Additions_Reference.md`
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