Stripe Subscription Calculator

Calculate SaaS MRR, annual recurring revenue, churn impact and net revenue after Stripe subscription fees. Free and instant.

Enter Your Details

$
Per-customer monthly price.
Total paying customers in the current period.
%
Percentage of subscribers who cancel per month. SaaS median ≈ 5%.
$
Optional — server, payroll, tools, subscriptions.
%
Percentage of subscribers paying with a foreign card. Surcharges apply only to this portion of MRR.
Enable when international customers pay in their local currency — adds Stripe's conversion surcharge to that portion of MRR.
%
Varies by country — auto-filled from country selection
$
Per-transaction flat fee added by Stripe
%
Applied proportionally based on International Customers %
%
Only applied when Currency Conversion toggle is ON

Your Results

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Monthly Recurring Revenue (MRR) —
Net Monthly Revenue —
Annual Revenue Projection —
Net Annual Revenue —
Stripe Fees —
Churn Loss —
Revenue After Fees —
Effective Stripe Fee % —
Estimated Profit Margin —

SaaS Revenue After Stripe Fees in 2026

MRR (Monthly Recurring Revenue) is the foundation of every SaaS business — subscription price × active subscribers. Net MRR is what's left after Stripe takes its cut, after some customers churn, and after you pay operating costs. This calculator models all three layers and projects them to annual.

  • Stripe fee base: 1.5–2.9% + a fixed amount per transaction, depending on your country.
  • International customers as a %: the international card and conversion surcharges only apply to the international portion of MRR (a proportional model, not all-or-nothing).
  • Churn modelled explicitly: a 5% monthly churn rate eats 5% of MRR every month — usually larger than fees combined.
  • Annual = monthly × 12: conservative projection assuming steady-state. Useful for ARR forecasting.

What are Stripe subscription fees and MRR?

When you run a SaaS or membership business on Stripe, every monthly charge hits the same per-transaction fee structure as one-off payments: 2.9% + $0.30 in the US, plus surcharges for international cards (+1%) or currency conversion (+1%). The difference is that subscription businesses pay these fees over and over — once per customer per month — making the cumulative fee load larger than a one-time-purchase business with the same revenue.

MRR (Monthly Recurring Revenue) is the headline metric: subscription price × active subscribers. Net MRR subtracts churn (lost subscribers per month, typically 3–8% for B2C SaaS, 1–3% for B2B SaaS) and Stripe fees. ARR (Annual Recurring Revenue) is MRR × 12, the standard metric investors and acquirers use.

Stripe's subscription tier (Stripe Billing) charges 0.5% additional on top of the standard rate for advanced features like usage-based billing, automatic tax, retry logic for failed cards, and proration. For most SaaS use cases that 0.5% is worth it — the built-in dunning alone recovers more revenue than the fee costs.

How to calculate Stripe subscription revenue and fees

Subscription metrics layer on top of per-transaction fee math:

Gross MRR: MRR = Subscription price × Active subscribers

Per-charge Stripe fee: Fee = Price × percent + fixed + intl + conversion

Net MRR: Net MRR = Gross MRR − Stripe fees − Churn impact

Annual: ARR = MRR × 12

Where churn impact is the lost MRR from subscribers who cancel that month. At 5% monthly churn and 1,000 subscribers, you lose 50 subscribers worth of MRR.

Worked example. US SaaS, $29/month, 500 active subscribers, 20% international cards, no conversion. Gross MRR = $14,500. Per-charge fee for domestic: $29 × 0.029 + $0.30 = $1.14. International ($29 × 0.039 + $0.30 = $1.43). Weighted average fee: 80% × $1.14 + 20% × $1.43 = $1.20/charge. Total monthly fees: 500 × $1.20 = $600. Net MRR = $13,900. At 4% monthly churn, lose 20 subscribers/month — replacing them is the growth treadmill.

Annual: $14,500 × 12 = $174k gross ARR. After fees: $166,800 net. The Stripe fee burden is roughly 4.1% of revenue here — typical for SaaS at this price point. Lifetime value (LTV) for the average customer at 4% monthly churn is $29 / 0.04 = $725 gross, or $695 net after fees.

How to use this calculator

Pick your country to auto-fill the local Stripe rate. Enter your monthly subscription price (the amount each customer pays per month — for annual plans, divide by 12), the current count of active subscribers, your monthly churn rate (cancellations as a percentage of active subscribers), and any operating costs you want netted out (hosting, support, software stack).

Adjust the international customer percentage to model your buyer mix — the calculator weights fees accordingly. Toggle currency conversion on if you're charging in currencies different from your payout currency (adds the 1% conversion fee). Results return gross MRR, net MRR (after fees and churn), annual revenue projections, and the effective Stripe fee rate. Use it for runway projections, board reporting, or to test pricing changes before pushing them live.

Real-world examples

Example 1 — Early-stage B2C SaaS, $9/month tier. 200 subscribers, 7% monthly churn, all US cards. Gross MRR = $1,800. Per-charge fee: $9 × 0.029 + $0.30 = $0.56 (6.2% effective — fixed fee dominates at low price). Total monthly fees: $112. Net MRR ≈ $1,688. The 6.2% fee rate is the price of having a low-tier offering — at $29/month it'd drop to 3.9%. Consider whether to raise price or add an annual prepay option to lift effective ticket size.

Example 2 — Established B2B SaaS, $79/month, mid-tier scale. 1,200 subscribers, 3% monthly churn (B2B sticky), 35% international. Gross MRR = $94,800. Domestic fee: $79 × 0.029 + $0.30 = $2.59. International: $79 × 0.039 + $0.30 = $3.38. Weighted: $79 × 0.65 × 2.59 + $79 × 0.35 × 3.38 = $2.87/charge. Total fees: $3,444/month. Net MRR ≈ $91,356 (3.6% effective fee rate). Annual ARR: $1.14M gross. Churn cost: 36 subscribers/month at $79 = $2,844 lost MRR monthly.

Example 3 — Premium B2B SaaS, $299/month, low-volume high-margin. 80 subscribers, 1.5% monthly churn (very sticky enterprise), 50% international. Gross MRR = $23,920. Weighted fee: $299 × 0.5 × 0.029 + $299 × 0.5 × 0.039 + $0.30 = $10.46/charge. Total fees: $837/month. Net MRR ≈ $23,083 (3.5% effective). This is what investors look for: low churn, high ticket size, fee rate well-controlled. Compare growth efficiency using a CAC calculator against the implied LTV ($299 / 0.015 = ~$20k per customer).

Common mistakes and benchmarks

The most common SaaS mistake is underpricing. At $9/month, fees consume 6.2% of revenue and the fixed $0.30 per charge dominates the percentage rate. At $99/month, fees drop to 3.2% effective and every dollar of revenue contributes meaningfully more profit. New SaaS founders often default to "low price = more conversions" without modeling how low pricing handicaps unit economics.

Second is ignoring failed payments. Roughly 5–10% of subscription charges fail each month (expired cards, insufficient funds, fraud blocks). Stripe Billing's automatic retry logic recovers 50–70% of these — but without it, you lose the revenue entirely. The 0.5% Stripe Billing premium pays for itself if your MRR is above $10k/month.

Benchmarks. Healthy monthly churn for B2C SaaS: 3–8%. B2B SaaS: 1–3%. Effective Stripe fee rate: 3.0–4.2% for $29+ tiers, 5–8% for sub-$15 tiers. LTV/CAC ratio (lifetime value to customer acquisition cost): aim above 3:1. Use the churn rate calculator for advanced cohort math and the MRR calculator for cohort-level revenue tracking.

Frequently Asked Questions

MRR (Monthly Recurring Revenue) is the predictable monthly income from active subscriptions: MRR = Subscription price × Active subscribers. For 500 subscribers at $29/month, MRR = $14,500. ARR (Annual Recurring Revenue) is MRR × 12 = $174k. Net MRR subtracts Stripe fees and churn-related losses. MRR is the headline metric for SaaS valuation — investors price businesses at 5–15× ARR depending on growth rate and churn.

Each subscription charge is processed at the standard Stripe rate: 2.9% + $0.30 in the US per charge. For 500 subscribers at $29/month: per-charge fee = $1.14, total monthly fees = $570. Add 1% for international cards, 1% for currency conversion. Stripe Billing (their subscription tier) adds another 0.5% but provides retry logic that typically recovers more revenue than it costs. For a full picture, multiply per-charge fee by your monthly active subscriber count.

B2C SaaS: 3–8% monthly is normal; below 5% is healthy. B2B SaaS: 1–3% monthly is normal; below 2% is excellent. Enterprise SaaS often runs below 1%. Annual churn equivalent for these numbers: 5% monthly = 46% annual, 2% monthly = 21% annual, 1% monthly = 11% annual. LTV = subscription price ÷ monthly churn rate. At $29/month with 4% churn, LTV is $725. Use the churn rate calculator for cohort math.

MRR is normalized to a single month. ARR is MRR × 12, expressing recurring revenue on an annualized basis. SaaS businesses use both: MRR for monthly operational tracking, ARR for investor communication and valuation. A business at $50k MRR has $600k ARR. Acquisition pricing typically uses ARR multiples (e.g. "we're priced at 8× ARR") rather than MRR. Both metrics include only recurring revenue, not one-time setup fees, professional services, or refunds.

Use Stripe Billing when you need any of: automatic invoice generation, customer self-service portal, retry logic for failed charges, usage-based or tiered pricing, automatic proration on plan changes, trial periods, or coupon support. Use raw Stripe Charges only for simple one-off transactions or if you've built your own subscription engine. The 0.5% Billing premium is worth it once you have more than 100 active subscribers — failed-charge recovery alone usually justifies it.

Three reasons. First, the $0.30 fixed fee inflates effective rate on low-price plans: a $9 plan pays 3.9% percentage + $0.30 fixed = 6.2% effective. Second, international cards (1% extra) — if 20% of customers are abroad, weighted effective rate climbs 0.2 points. Third, currency conversion (1% extra) — if you charge in USD and settle in EUR, conversion applies. Combined, a SaaS with diverse buyer base and low-tier plans often sees 4–5% effective fees vs the 2.9% headline.

Annual plans pay 12 months of fees in one charge — effective rate per dollar of revenue improves because the $0.30 fixed fee is spread across $300+ of revenue instead of $29. For a $290/year plan (10-month discount): fee = $290 × 0.029 + $0.30 = $8.71 = 3.0%. Compare to monthly: 12 × $1.14 = $13.68 = 4.7%. Annual plans also reduce churn (committed for 12 months) and improve cash flow. Offer both, default to annual.

Cohort-based churn (different signups churn at different rates), expansion revenue (existing customers upgrading), one-time setup fees or professional services, refunds and chargebacks, free-trial conversion economics, customer support costs that scale with subscribers, and Stripe Tax fees if you use it ($0.50 per transaction in covered jurisdictions). For full SaaS unit economics, layer in customer acquisition cost using a CAC calculator alongside this calculator's revenue picture.

Stripe Fee Calculator

Per-transaction Stripe fees and the net amount you receive.

MRR Calculator

Coming soon

Monthly Recurring Revenue from new, expansion and churn cohorts.

Churn Rate Calculator

Coming soon

Customer and revenue churn rates for any cohort window.

Customer Acquisition Cost (CAC) Calculator

Coming soon

CAC, payback period and LTV/CAC ratio.

ROI Calculator

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Return on investment for any project, ad campaign or asset.