SaaS pricing calculator
Enter your plans, customers and cost to serve, and see MRR, ARR, margin and the lowest price that hits your target.
Free, runs in your browser, no sign-up. Updated 2026-10-25.
Result
MRR $13,910, ARR $166,900, 195 customers, ARPA $71.31, gross margin 83.7%. Every plan meets the 80% target.
- Customers
- 195
- ARPA (per account)
- $71.31
- Cost to serve / month
- $2,260
- Gross margin
- 83.7%
| Plan | Revenue / month | Margin | Lowest price for target |
|---|---|---|---|
| Starter | $3,480 | 82.3% | $25.15 |
| Team | $5,940 | 84.7% | $71.93 |
| Business | $4,490 | 83.6% | $236 |
Monthly billing assumed; annual plans pay the fixed fee once a year, so their fee share is lower.
Assumptions
Every number the result depends on, and where it comes from. Change any value and the result updates.
| Assumption | Value | Source |
|---|---|---|
| Payment fee rate | % | Stripe standard US card payments (2.9% + $0.30)Checked 2026-10-25 |
| Payment fixed fee | USD | Stripe standard US card payments (2.9% + $0.30)Checked 2026-10-25 |
| Target gross margin | % | OceanLab assumption. Placeholder. Set the margin your business plan needs.Reviewed 2026-10-25 |
Send this to OceanLab
Opens an email to OceanLab with this result and a link to your inputs. Nothing is sent until you press send, and there is no sign-up.
How this is calculated
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
- Stripe: standard US card payments (2.9% + $0.30) · checked 2026-10-25
Questions about this tool
What goes into cost to serve?
Hosting and database per customer, third-party APIs (email, AI, maps), and support time. Leave out sales and marketing; they sit below gross margin.
Why does the fixed fee matter?
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.
Is there a right margin?
It depends on your business plan. Set the target you need; the tool shows which plans fall short and by how much.
Is anything I enter sent anywhere?
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.
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