QuadraPay โ€” Payment Solutions Reseller
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Estimation Tool Only โ€” Not Financial Advice. All outputs are illustrative estimates based on your inputs. They are not revenue forecasts, financial projections, or guaranteed business outcomes of any kind. MRR and ARR projections depend on assumptions that may not hold. Always consult a qualified financial adviser. Full disclaimer โ†’
โ„น๏ธ About QuadraPay QuadraPay is a merchant services consultancy and payment solutions reseller โ€” not a payment processor, acquiring bank, card network, or licensed financial institution. We refer merchants to third-party acquiring partners. This tool is an educational resource only.
Tool #18 ยท SaaS Finance

SaaS MRR & ARR
Estimator

Estimate your monthly and annual recurring revenue, net MRR movement, churn impact, and 12-month projection from your subscription plan data. Illustrative results only.

โš ๏ธ Illustrative estimates only โ€” not revenue forecasts or financial projections
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SaaS MRR / ARR Estimator

Plan breakdown ยท Net MRR waterfall ยท 12-month projection ยท All figures illustrative

Estimation only. Enter your own subscription data. All outputs are simplified estimates โ€” they assume constant growth and churn rates which rarely hold in practice. Do not treat these as financial forecasts.
Symbol display only โ€” no regional rules, taxes, or regulations applied.
Starter / Basic Plan
Monthly price per subscriber
$
Professional / Growth Plan
Monthly price per subscriber
$
Business / Team Plan
Monthly price per subscriber
$
Enterprise Plan
Monthly price per subscriber (or avg contract value)
$
โ† Monthly price per plan     Active subscribers per plan โ†’
$
Estimated new revenue from new subscribers each month.
$
Upsell / upgrade revenue from existing subscribers. Enter 0 if none.
%
% of MRR estimated to be lost each month from cancellations.
$
Revenue lost from downgrades (not full cancellations). Enter 0 if none.
โš ๏ธ Illustrative estimates only. All figures below are generated by simplified models applied to your inputs. They assume constant growth and churn rates โ€” real SaaS metrics fluctuate significantly. These are not revenue forecasts, financial projections, or audited figures. Do not use these for investor reporting, fundraising, or financial decisions without professional verification.
Current Estimated MRR
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โ€”
โš ๏ธ Illustrative estimate โ€” actual MRR will vary
Estimated ARR
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Est. Net MRR Movement
โ€”
Total Active Subscribers
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Est. ARPU / Month
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Avg revenue per subscriber (est.)
Est. Churn MRR / Month
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MRR lost to cancellations (est.)
Est. MRR Growth Rate
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Net / current MRR (est.)
๐Ÿ’ง Net MRR Movement Breakdown (Estimated)
+ New MRR
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+ Expansion MRR
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โˆ’ Churned MRR
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โˆ’ Contraction MRR
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= Net MRR Change
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๐Ÿ“Š 12-Month MRR Projection โš ๏ธ Assumes constant rates โ€” highly uncertain
PlanPrice/MoSubscribersPlan MRR (est.)% of Total
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What This Tool Does

It multiplies your subscription plan prices by subscriber counts to estimate current MRR, then applies your growth and churn inputs to produce a net MRR movement breakdown and a 12-month projection. All outputs assume constant rates โ€” real SaaS metrics fluctuate and this tool cannot model that complexity.

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How to Use It Responsibly

Enter your actual plan prices and real active subscriber counts from your billing system. Use your actual monthly churn rate โ€” not an aspirational one. The more accurately you enter your real data, the more directionally useful the output. Do not use these estimates as revenue forecasts for external reporting.

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Key Limitations

This tool assumes constant monthly growth and churn rates across all 12 months โ€” real SaaS businesses experience seasonality, cohort variation, and unpredictable events. The 12-month projection becomes increasingly unreliable further into the future. ARR is simply MRR ร— 12, not a prediction of actual annual revenue collected.

MRR & ARR โ€” Educational Overview

Monthly Recurring Revenue (MRR) and Annual Recurring Revenue (ARR) are metrics used by subscription businesses to measure their current revenue run rate. They are widely used in SaaS reporting and investor communications โ€” but their calculation and interpretation involve important nuances that this simplified tool cannot capture.

The Simplified Formulas Used in This Tool

ILLUSTRATIVE ESTIMATES ONLY: MRR = ฮฃ (Plan Price ร— Active Subscribers per Plan) ARR = MRR ร— 12 (run rate โ€” not actual annual collection) Net MRR = New MRR + Expansion MRR โˆ’ Churned MRR โˆ’ Contraction MRR Churn MRR = Current MRR ร— Monthly Churn Rate % ARPU = MRR รท Total Active Subscribers MRR Growth% = Net MRR Change รท Current MRR ร— 100 12-Month Projection assumes constant rates โ€” actual results will differ.

Important MRR/ARR Definitions and Caveats

MRR and ARR definitions vary between companies and investors. Common variations include whether annual contracts are recognised as full ARR upfront or divided by 12, how free trials and promotional pricing are treated, and whether enterprise contracts with variable usage are included. This tool uses a simple per-subscriber pricing model that may not reflect your actual billing structure.

Why 12-Month Projections Are Highly Uncertain

The 12-month projection in this tool applies constant growth and churn rates month by month. In reality, growth rates typically vary significantly due to seasonality, marketing investment changes, product launches, competitive dynamics, and many other factors. Projections based on assumed constant rates become increasingly unreliable beyond 2โ€“3 months. Treat the projection chart as a directional illustration only โ€” not a revenue forecast.

Processing Fees and SaaS Revenue

For SaaS businesses that accept card payments, processing fees are a direct operating cost. Subscription billing through card networks typically incurs processing fees of 2โ€“4% per transaction, plus per-transaction fees and potential chargeback costs. These fees reduce net revenue and affect gross margin. QuadraPay is a payment solutions reseller that refers SaaS businesses to acquiring partners โ€” we do not set or guarantee any processing rates.

About QuadraPay: QuadraPay is a merchant services consultancy and payment solutions reseller โ€” not a payment processor, acquiring bank, or card network. We are not affiliated with Visa, Mastercard, or any payment scheme. We refer SaaS businesses to third-party acquiring partners that can process subscription payments. Any rates are set by those partners, subject to underwriting. Request a rate comparison โ†’

SaaS Payment Processing via QuadraPay's Reseller Network

โ„น๏ธ QuadraPay is a reseller โ€” not a processor or card network. We refer merchants to third-party acquiring partners. No rate is guaranteed โ€” all terms subject to the partner's underwriting criteria.

We work with 45+ acquiring partners across 32 countries to help SaaS businesses find subscription billing and payment processing solutions suited to their model.

45+
Partners
32
Countries
200+
Industries
8yr+
Since 2016
Subscription billing partner referrals โ€” standard & high-risk SaaS
Recurring billing and card-on-file payment solutions
eCheck/ACH referrals โ€” reduce per-transaction cost on recurring revenue
Multi-currency subscription billing referrals
No rates guaranteed โ€” all terms subject to underwriting
Free no-obligation consultation

Frequently Asked Questions

What is MRR and how is it calculated in this tool?
MRR (Monthly Recurring Revenue) is the total normalised monthly revenue from active subscriptions. In this tool, it is calculated by multiplying each plan's monthly price by the number of active subscribers on that plan and summing the results. This is a simplified approach โ€” real MRR calculations vary between companies and may involve different recognition policies for annual contracts, free trials, and variable usage billing.
Is ARR the same as actual annual revenue I will collect?
No. ARR (Annual Recurring Revenue) as calculated by this tool is simply MRR ร— 12 โ€” it is a run-rate metric, not a forecast of revenue you will actually collect over the next 12 months. Actual annual revenue depends on subscriber growth, churn, pricing changes, and many other factors. The 12-month projection in this tool applies constant rates and is highly uncertain โ€” treat it as directional illustration only.
Can I use these MRR/ARR figures for investor reporting or fundraising?
No โ€” not without independent verification. This tool produces simplified estimates from your inputs and is not suitable for investor reporting, due diligence documentation, or fundraising materials without validation by a qualified accountant or financial adviser. Investor-grade MRR and ARR figures typically require consistent application of defined recognition policies and ideally audit or review by a professional. Using unverified tool estimates in investor communications could be misleading.
Is QuadraPay a SaaS payment processor?
No. QuadraPay is a merchant services consultancy and payment solutions reseller. We refer SaaS businesses to third-party acquiring partners that offer subscription billing and card processing solutions. We do not process payments ourselves, set interchange rates, or operate as a payment institution. We are not affiliated with Visa, Mastercard, or any card network.
Does this tool store or transmit my subscription data?
No. All calculations are performed locally in your browser. No data you enter is transmitted to QuadraPay's servers or stored in any form. The tool has no connection to external databases or systems.