BAZ Loyalty Engine
LTV Calculator
Lifetime value (NPV, 60-month cap) = ARPU × gross margin × lifespan ÷ (1 + discount). The customer is the asset, not the transaction.
Your numbers
whole percent
whole percent
annual, whole percent
Your result — computed live
LTV
$545.45
- Est. lifespan
- 20 mo
LTV ≈ $545.45 over ~20 months. Judge it against CAC — target 3:1.
LTV = (ARPU × Gross Margin × Lifespan) ÷ (1 + Discount Rate) · Lifespan = 100 ÷ Monthly Churn %
The canon
The customer is the asset, not the transaction — value the lifetime, not the sale.
The benchmark
LTV:CAC target 3:1. LTV alone is meaningless; it's the denominator of the unit-economics ratio.
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This calculator runs the BAZ Loyalty Engine — the same algorithm BAZ runs for paying clients.