{"head":{"title":"SaaS Pricing Calculator: MRR and Margin | OceanLab","description":"Model your SaaS price list: MRR, ARR, ARPA and gross margin per plan after payment fees, and the lowest price that hits your target margin.","canonical":"https://oceanlab.in/tools/saas-pricing-calculator"},"tool":{"slug":"saas-pricing-calculator","path":"/tools/saas-pricing-calculator","name":"SaaS pricing calculator","h1":"SaaS pricing calculator","lede":"Enter your plans, customers and cost to serve, and see MRR, ARR, margin and the lowest price that hits your target.","category":"industry","categoryTitle":"Health, fintech and business software","method":["Per plan: revenue = price × customers. Cost = (cost to serve + payment fee) × customers, where the fee = price × rate + fixed fee.","MRR is the sum of plan revenue, ARR = MRR × 12, ARPA = MRR ÷ customers, and gross margin = (MRR − cost) ÷ MRR.","Lowest price for a target margin = (cost to serve + fixed fee) ÷ (1 − fee rate − target margin).","The payment fee defaults to Stripe's standard US card rate, from Stripe's own page. Plans, customers and costs are example inputs."],"sources":[{"label":"Stripe: standard US card payments (2.9% + $0.30)","url":"https://support.stripe.com/questions/manually-entered-card-payments","checkedAt":"2026-10-25"}],"faq":[{"question":"What goes into cost to serve?","answer":"Hosting and database per customer, third-party APIs (email, AI, maps), and support time. Leave out sales and marketing; they sit below gross margin."},{"question":"Why does the fixed fee matter?","answer":"On a cheap plan, a $0.30 fee is a large share of the price. Annual billing pays it once a year instead of twelve times."},{"question":"Is there a right margin?","answer":"It depends on your business plan. Set the target you need; the tool shows which plans fall short and by how much."},{"question":"Is anything I enter sent anywhere?","answer":"No. The tool runs in your browser and there is no sign-up. Nothing leaves the page unless you choose to email your result to OceanLab."}],"updatedAt":"2026-10-25"},"related":[{"href":"/tools/payment-processing-fee-calculator","label":"Payment processing fees","detail":"Enter your monthly card payments and compare what each processor's published US rate would cost, and what to charge to receive a set amount."},{"href":"/tools/software-maintenance-cost","label":"Software maintenance cost","detail":"See what a product costs to keep running each year after launch, and which line grows fastest."},{"href":"/tools/llm-api-cost-calculator","label":"LLM API cost","detail":"Enter your monthly tokens and the input, cached and output mix, and compare what each model would cost."}],"studies":[{"meta":{"slug":"tsumugi","industry":"payments","projectType":"Subscription billing","country":"jp","tags":["fintech","saas","tax"],"compliances":["Qualified Invoice System","Electronic Books Maintenance Act","Installment Sales Act","ASBJ Statement No. 29","APPI"],"cover":{"src":"/case-studies/tsumugi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tsumugi - Subscription Billing with Qualified Invoices and Furikomi Matching","description":"Designed and built a clickable billing platform for a Tokyo SaaS company that sells shift scheduling and attendance software to Japanese businesses: invoice runs by each customer's closing date, qualified invoices with tax rounded once per rate, bank transfer matching on half-width katakana payer names, and dunning by payment method.","category":"Payments / Subscription Billing","client":"Hoshizora Cloud K.K."}}},{"meta":{"slug":"kleidi","industry":"internal","projectType":"SaaS admin dashboard","country":"gr","tags":["saas","enterprise"],"compliances":["GDPR","SOC 2","ISO/IEC 27001"],"cover":{"src":"/case-studies/kleidi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Kleidi - SaaS Admin Console with Consented Support Access and a Full Audit Trail","description":"Designed and built a clickable internal admin console for an Athens SaaS company that sells housekeeping software to EU hotels: find any tenant and see everything about it on one page, enter a customer's workspace only with their consent, work GDPR data requests on the clock, and give staff elevated rights only for a limited window with someone else's approval.","category":"Internal Tools / SaaS Admin Console","client":"Myrtaki Software"}}},{"meta":{"slug":"cluse","industry":"personal-finance","projectType":"Subscription tracker","country":"fr","tags":["fintech"],"compliances":["Three-click cancellation (L215-1-1)","Loi Chatel","Loi Hamon","Consumer Rights Directive","PSD2","SEPA Core Direct Debit","eIDAS","Ranking disclosure (L111-7)","Unfair Commercial Practices Directive","Digital Services Act","GDPR","WCAG 2.2 AA and RGAA"],"cover":{"src":"/case-studies/cluse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Écluse - Subscription Tracker That Finds, Cancels and Checks Every Recurring Charge","description":"Designed and built a clickable subscription tracker for a Lyon consumer app company: it finds the recurring charges in a member's bank accounts, explains which French consumer rule lets them leave, writes the cancellation letter or email, and watches the account until the charges really stop.","category":"Personal Finance / Subscription Tracking","client":"Pervenche Labs SAS"}}},{"meta":{"slug":"bloomwright","industry":"ecom","projectType":"Subscription box","country":"us","tags":["enterprise"],"compliances":["ROSCA","FTC Act Section 5","California Automatic Renewal Law","Minnesota Automatic Renewal Law","FTC Mail Order Rule","PCI DSS","CCPA/CPRA","CAN-SPAM","TCPA"],"cover":{"src":"/case-studies/bloomwright/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Bloomwright - Coffee Subscription Platform with Honest Cancellation","description":"Designed and built a clickable subscription platform for a specialty coffee roaster shipping across the contiguous US: a care workspace to skip, swap, pause, refund and cancel for subscribers, a cancel log that replays every screen a subscriber saw, and fulfilment batches that hold boxes with an unverified address, a failed payment or short stock.","category":"E-commerce & D2C / Subscription Box","client":"Loonshadow Coffee Roasters"}}}],"more":[{"href":"/case-studies/industry/payments","label":"Payments case studies","detail":"Every OceanLab product build in Payments."},{"href":"/case-studies","label":"All case studies","detail":"Every OceanLab product build."},{"href":"/ai-automation","label":"AI automation","detail":"AI built into real business workflows, with people in charge."}],"today":"2026-10-25"}