Free MRR Calculator
Monthly Recurring Revenue from the five components investors actually look at. Enter your numbers, get Net New MRR, Ending MRR, Quick Ratio, and Net Revenue Retention. No signup, no email gate, no upsell.
Your inputs
New + Expansion + Reactivation, minus Contraction and Churn.
Starting MRR plus Net New MRR.
Gross gains divided by gross losses. Above 4 is excellent.
Existing-customer revenue retained after expansion and losses.
MRR is the metric B2B SaaS founders and subscription-finance teams watch closest. The four components in this calculator (new, expansion, contraction, churn) are what board decks track separately, not just the headline number.
The formula
Ending MRR = Starting MRR + Net New MRR
Quick Ratio = (New + Expansion + Reactivation) / (Contraction + Churned)
NRR = (Starting MRR + Expansion + Reactivation - Contraction - Churned) / Starting MRR
Each metric answers a different question. Net New tells you what the month actually produced. Ending MRR is the number your CFO carries forward. Quick Ratio tells you whether the growth engine outpaces the leak. NRR tells you what your existing customer base would be worth next year even if you stopped acquiring new customers tomorrow, which is the starting point for any honest revenue forecast in a subscription business. The components also stand alone: a finance team that only tracks Ending MRR has no way to see whether growth is being funded by new sales or by expansion from happy customers, and those two pictures imply completely different operating decisions.
One subtle thing about the formula: Contraction and Churned are entered as positive numbers and subtracted by the math. That matches how most billing exports report them. If your spreadsheet stores them as negatives already, flip the sign before pasting them in or the result will overstate growth.
How to read your result
MRR in isolation is a vanity number. The composition is what matters. Two businesses with identical Ending MRR can be in completely different health depending on how the components stack up. Here is how operators actually read these numbers:
- Net New MRR going negative is a four-alarm fire. It means losses outran gains for the month. One bad month can be noise; two in a row is a pattern; three in a row is a business model problem. Investigate by segment before adjusting growth spend.
- Quick Ratio above 4 is the growth-stage benchmark. For every dollar of MRR you lost to churn and downgrades, you added four in new and expansion. Below 1 and the business contracts even when sales hit quota. Bessemer and OpenView both use this as a primary efficiency gate.
- NRR above 110% is what makes SaaS compound. If your existing book of customers grows on its own without any new logo wins, you can survive long sales cycles and ride out hiring freezes. NRR below 100% means you're net contracting and need to fill the bucket faster than it drains.
- Expansion and Reactivation tell a customer-success story. Pure new-logo MRR with no expansion is a sign of bad product fit or stuck pricing tiers. Watch the trend, not the absolute number.
- Read components by segment, not just in aggregate. An Ending MRR that ticks up every month can hide a slow contraction in your highest-ACV segment, papered over by stronger growth in low-ACV self-serve. Slice by plan tier, by ICP, and by cohort age so the headline number doesn't lie about the underlying mix.
A practical rule that operators use: when any single component moves by more than 30% month over month, treat it as an event and write a short note about why. Six months later, when the board asks why March was great and June was awful, that journal, paired with automated daily dashboards that recompute the five components every morning, is worth more than any static deck.
Pair this with the churn calculator and the LTV calculator to get a complete picture of how recurring revenue is moving.
Industry benchmarks (2025 data)
These are typical ranges from publicly reported SaaS benchmark sets. They shift year to year and vary by ACV, ICP, and geography. Treat them as orientation, not as targets.
| Stage | Typical NRR | Typical Quick Ratio |
|---|---|---|
| Early-stage SaaS (Pre-seed / Seed) | 95% – 105% | 2 – 4 |
| Growth-stage SaaS (Series A / B) | 105% – 115% | 3 – 5 |
| Best-in-class SaaS (top quartile) | 120%+ | 5+ |
| Survival threshold (below this, rethink the model) | under 90% | under 1 |
Source ranges synthesized from publicly available SaaS benchmark reports (OpenView SaaS Benchmarks, SaaS Capital, ProfitWell). Your number being outside these bands is not automatically a problem; ACV, customer mix, and seasonality move the medians significantly.
FAQ
What's the difference between Net New MRR and Ending MRR?
Net New MRR is the change during the month: New plus Expansion plus Reactivation, minus Contraction and Churned. Ending MRR is the total you're carrying into the next month: Starting MRR plus Net New MRR. Net New tells you whether the month was good. Ending MRR tells you how big the business is.
Why does Reactivation matter if it's usually small?
Reactivation is small in dollar terms but tells you something paid acquisition can't: whether churned customers think the product is now worth coming back to. Even a few thousand a month is a healthy signal. Zero reactivation over many quarters suggests churned customers are gone for good, which makes every cancellation more expensive than the dollar value implies.
Should I include one-time charges in MRR?
No. MRR is recurring by definition. Setup fees, implementation charges, professional services, and overage invoices that don't repeat next month all belong in a separate revenue line. Mixing them in inflates the number and breaks month-over-month comparability, which is exactly the thing MRR is supposed to give you.
How do I handle annual plans?
Divide the annual contract value by 12 and book that amount as MRR for each of the 12 months. A $12,000 annual plan is $1,000 in MRR for the year. Don't book the full $12,000 in the signing month: that's cash flow, not recurring revenue. The same logic applies to multi-year deals.
What's a healthy Quick Ratio?
Above 4 is excellent and typical of efficient growth-stage SaaS. Between 2 and 4 is healthy. Below 1 means you're losing MRR faster than you're adding it, which is a survival problem regardless of how fast new sales are coming in. Watch the trend more than the absolute value; a Quick Ratio that's been falling for three months is the real signal.
Want deeper definitions and worked examples? The clariBI knowledge base has guides on every metric in this page, plus what to do when the numbers go sideways. Pricing is on the pricing page if you want to see where automated tracking starts.
Track MRR automatically in clariBI
Connect Stripe, Chargebee, HubSpot, or your billing system. clariBI breaks MRR into the five components every day, computes Quick Ratio and NRR, and flags when something material moves. The same numbers appear in your daily dashboards so the finance team and the founder are reading the same data.