MRR Growth Projector
Enter your MRR, monthly growth rate, and churn — see your ARR projection with real churn impact. Live chart, no signup.
Last reviewed: March 2026
Projected ARR in 12 months
Projecting 12 months at 10% growth, 2.5% churn → $0 ARR by Apr 27.
Final MRR
$0
Total Growth (12mo)
+$0
Churn Cost
$0
Growth Multiple
1.00×
Growth Benchmark
You're in the healthy growth zone for your stage.
Churn impact over 12 months
At 2.5%/mo churn, you're leaving money on the table
How to Project Your SaaS MRR
Step 1: Enter your current MRR
Start with your current monthly recurring revenue. If you're pre-revenue, enter 0 and use the tool as a planning exercise — set a starting target and pick a growth rate to see when you'll hit key milestones. If you are just starting out, try plugging in $1,000 and working backwards from your $1M ARR target.
Step 2: Set your monthly growth rate
This is the percentage you expect your MRR to grow each month from new subscriptions and expansion revenue. Use the built-in presets as a sanity check: Conservative (5%) for bootstrapped growth, Realistic (10%) for funded seed-stage, Optimistic (20%) for product-led rocketships. Be honest — most founders overestimate this number.
Step 3: Set your monthly churn rate
Churn is the silent killer of compound growth. Enter the percentage of MRR you lose each month to cancellations and downgrades. The dashed green “no churn” line on the chart shows exactly how much growth churn is stealing from you — the red gap between the two lines is your churn cost.
Step 4: Pick a period and read your ARR projection
Select 6, 12, or 24 months. The animated chart updates in real time. Watch for purple diamond markers showing when you cross ARR milestones ($10K, $100K, $1M, $10M ARR). Set an optional target MRR to see exactly when you'll hit your goal.
What Is Net MRR Growth Rate?
Net MRR growth rate is the single most important number for projecting future revenue. It accounts for both what you're adding and what you're losing.
Formula
Net Growth Rate = Monthly Growth % − Monthly Churn %
This is the real compound rate at which your MRR grows month over month.
Month-by-Month Projection
MRR[n] = MRR[n-1] × (1 + netGrowthRate / 100)
Compound interest — the earlier you reduce churn, the more it compounds.
ARR
ARR = MRR × 12
Annual run rate based on current monthly revenue.
Example: Your SaaS has $10,000 MRR, 10% monthly growth, and 2.5% churn. Net growth = 7.5%/mo. After 12 months: $10,000 × (1.075)¹² = $23,685 MRR, or $284K ARR. The same company with 0% churn would reach $31,384 MRR — the gap is your compounding churn cost.
How Churn Destroys Compound Growth
Founders often underestimate churn because it feels small month-to-month. But churn compounds just like growth — in reverse. Here's what different churn rates cost over 12 months at 10% monthly growth from $10K MRR:
| Monthly Churn | Net Growth | MRR at 12mo | ARR at 12mo |
|---|---|---|---|
| 0% | 10% | $31,384 | $376K |
| 1% | 9% | $28,127 | $337K |
| 2.5% | 7.5% | $23,685 | $284K |
| 5% | 5% | $17,959 | $215K |
| 8% | 2% | $12,682 | $152K |
| 10% | 0% | $10,000 | $120K |
The difference between 0% and 5% monthly churn is $161K ARR after just one year — from the same starting point, with the same growth rate. This is why “fixing retention before scaling acquisition” is the most-repeated advice in SaaS.
What Is a Good MRR Growth Rate for SaaS?
Context matters enormously — but here are widely-used benchmarks for monthly MRR growth:
Pre-PMF / Bootstrapped
Sustainable without external capital. Doubles ARR in 18–36 months.
Seed-stage, post-PMF
The "default alive" growth zone for funded early-stage SaaS.
Series A rocket
Typical for PLG or high-ACV companies hitting product-market fit at scale.
Hypergrowth
Rare, unsustainable long-term, but characteristic of viral B2C SaaS moments.
Remember: gross growth rate is vanity, net growth rate is sanity. A 20% gross growth rate with 15% monthly churn is actually declining. Use this calculator to always track both numbers together.
Frequently Asked Questions
What is a good monthly MRR growth rate for SaaS?
A healthy seed-stage SaaS grows MRR at 8–15% per month. Bootstrapped companies growing at 3–5%/mo with low churn are also in a good position. What matters most is net growth rate — growth rate minus churn rate.
How does churn affect MRR growth?
Churn compounds in reverse. At 3% monthly churn you lose 31% of your base annually; at 5% churn, 46%. Even a strong 10% growth rate with 4% churn only nets 6% real growth. The no-churn dashed line in this calculator shows the exact cost.
What is net MRR growth rate?
Net MRR growth rate = monthly growth rate minus monthly churn rate. It's the real compound rate at which your revenue grows. Example: 12% growth − 3% churn = 9% net growth per month.
How do you calculate ARR from MRR?
ARR = MRR × 12. For growing companies this is a "run rate" — the current MRR annualized. This calculator shows projected ARR at the end of your chosen 6, 12, or 24 month window.
What is the Rule of 40 for SaaS?
The Rule of 40 states that growth rate + profit margin should be ≥ 40. A company growing at 30% with 10% margins = 40. It's most relevant at $5M+ ARR; early-stage companies prioritize growth over the Rule of 40.
How long does it take to reach $1M ARR?
At 10% net MoM growth from $10K MRR you'll reach $1M ARR in ~21 months. At 20% net growth, ~12 months. Set your target MRR to $83,333 in this calculator to see the exact date for your specific growth rate.
What is the difference between MRR growth and ARR growth?
MRR growth is the month-over-month operational metric. ARR growth is the annual investor metric. They're linked: 10% MoM MRR growth compounds to ~214% ARR growth over 12 months.
Why is my MRR growing slowly even with a good growth rate?
Churn is likely offsetting your new MRR. At 10% growth and 7% churn, net growth is only 3%. Check the Churn Impact Panel in this calculator — it shows the exact MRR lost to churn over your projection period.