Bootstrapped Growth

MRR / ARR Growth Calculator

Project where your bootstrapped SaaS lands at 3, 6, and 12 months from current MRR and growth assumptions. See how many months until you hit a target ARR you can live on.

Growth Projection

Current MRR

$25,000.00

Current ARR

$300,000.00

MRR at 3m

$38,681.23

+54.7%

MRR at 6m

$51,167.72

MRR at 12m

$72,964.70

+191.9%

Net Revenue Retention (NRR)

88.6%

Danger

Months to Target ARR

4mo

MRR Growth Trajectory

Projected monthly recurring revenue over time

M1M7M12

MRR

$72,964.70

ARR at 12m: $875,576.40 — NRR above 100% means expansion + low churn are compounding revenue without new logos. NRR below 100% signals churned revenue exceeds expansion — fix retention before scaling acquisition.

Methodology → Formula, assumptions, sources, and known limits.

How to use it

Enter your current MRR (or leave at 0 and set ARPU + subscribers to derive it), monthly new subscribers, ARPU, churn rate, expansion MRR from upsells, and optionally a target ARR milestone.
Read current MRR/ARR, projected MRR at 3, 6, and 12 months, and Net Revenue Retention. NRR above 100% means existing customers are growing faster than they churn — a core SaaS health signal.
Interpret the MRR trajectory chart to see if growth is compounding or flattening. A flattening curve with high churn often means new subscriber additions are just backfilling churned revenue rather than growing the base.
Use the months-to-target-ARR output as a reality check on fundraising timelines or hiring plans. If the number is beyond your runway, either reduce churn, increase new subscriber velocity, or reprice to raise ARPU.
Re-run monthly with actual cohort data. Track NRR and MRR growth rate separately — NRR tells you if your product earns expansion; net new MRR growth tells you if your GTM is working.

AI Integrations

Contract, discovery endpoints, and developer notes for agent use.

Always available for agents

Tool contract JSON

https://aibizhub.io/contracts/mrr-arr-growth-calculator.json

Stable input and output contract for this exact tool.

Human review

People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.

/agent-tools.json - machine-readable tool index.
/llms.txt - human-readable model discovery guide.
/.well-known/webmcp.json - WebMCP capabilities manifest.
/.well-known/ai-plugin.json - plugin-style discovery manifest.

{
  "tool": "mrr_arr_growth_calculator",
  "current_mrr": 25000,
  "arpu": 99,
  "new_subscribers_per_month": 50,
  "churn_rate_percent": 3,
  "expansion_mrr_per_month": 500,
  "projection_months": 12,
  "target_arr": 500000
}

Open tool contract JSON Open AI integrations guide

Expand developer notes

Agent playbook

Resolve MRR / ARR Growth Calculator from /agent-tools.json and open its contract before execution.
Validate inputs against the contract schema instead of scraping labels from the page UI.
Open the browser page only when a person wants to review charts, assumptions, or related tools.

Agent FAQ

Should ChatGPT, Claude, or another agent click through the UI?

No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.

When do tools show Quick and Advanced?

Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.

When should an agent still open the browser page?

Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.

Questions people usually ask

What is MRR and ARR?

MRR (Monthly Recurring Revenue) is the predictable revenue a SaaS business earns each month from active subscriptions. ARR (Annual Recurring Revenue) is MRR × 12 — the annualised view. Both exclude one-time fees and professional services.

What is Net Revenue Retention (NRR)?

NRR measures what percentage of revenue you retain from existing customers after accounting for churn, downgrades, and expansion (upsells). NRR above 100% means existing customers are worth more over time without new acquisition. Below 100% means churn exceeds expansion.

What is a good NRR for SaaS?

World-class SaaS companies target NRR above 120%. 100-110% is healthy. 90-100% is common for SMB-focused products with higher churn. Below 90% typically means retention is broken and scaling acquisition will accelerate losses.

How is churn modelled in this calculator?

Churn is applied monthly as a percentage of current MRR. New subscriber MRR is added each month based on new subscribers × ARPU. Expansion MRR is added as a flat monthly amount. This is a standard cohort-free approximation — for precision, model each cohort separately.

Is this tool free and private?

Yes. AI Biz Hub tools run entirely in your browser with no signup required. Inputs stay local unless you share the URL.

Is this financial advice?

No. Outputs are planning estimates. Validate with actual cohort data and a qualified financial advisor for fundraising or board-level reporting.

Related Resources

Learn the decision before you act

Every link here is tied directly to MRR / ARR Growth Calculator. Use the explanation, formula, examples, and benchmarks to pressure-test the calculator output from first principles.

Browse all 2 resources

How To Use · 2

How To Use

3 STEPS

How to Use Burn Multiple Calculator

Evaluate startup capital efficiency by comparing net burn to net new ARR. Learn what your burn multiple means and how to improve it.

Read

How To Use

6 STEPS

How to Use MRR / ARR Growth Calculator

reveal your subscription business potential! Learn how to use the MRR/ARR Growth Calculator to forecast revenue, set targets, and track performance effectively.

Read

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Read the full Bootstrapped Growth guide →

Decision Workflows

Step-by-step guides that use this tool.

How to Price Your SaaS Product — A 5-Step Framework

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Preparing for Fundraising — 5 Numbers Investors Will Ask

5 steps · targets: "preparing for fundraising"

How to Reduce SaaS Churn — A Data-Driven Approach

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