Failed Payment Revenue Loss Calculator
See exactly how much revenue slips through the cracks from failed credit card charges — and how much you can recover.
Failed payments are the silent killer of SaaS revenue. This calculator shows you the total annual revenue lost to payment failures based on your MRR, failure rate, and current recovery efforts. It also estimates how much additional revenue you could recover with an automated recovery platform like Rezoki.
Your Numbers
Your total MRR in dollars before any churn.
Percentage of payment attempts that fail each month. Industry average is 5-10%.
Percentage of failed payments you currently recover. Without dunning, this is typically 20-30%.
Results
Monthly Revenue at Risk
$2,500
Monthly Revenue Lost
$1,750
Annual Revenue Lost
$21,000
Recoverable with Rezoki (annual)
$12,000
3-Year Revenue Impact
$63,000
Formula
Annual Revenue Lost = MRR x Failure Rate x (1 - Current Recovery Rate) x 12
The calculator multiplies your MRR by the payment failure rate to determine monthly revenue at risk. It then subtracts whatever you currently recover, and annualizes the result. The "recoverable" figure assumes a 70% recovery rate (Rezoki average), showing the gap between your current efforts and what automated, multi-channel recovery can achieve. The 3-year projection compounds the savings to illustrate the long-term impact of letting failed payments go unaddressed.
How to Interpret Your Results
Less than $10,000/yr lost
Your failed payment losses are manageable. Basic retry logic may suffice, but monitoring is still important.
$10,000-$50,000/yr lost
You are losing meaningful revenue. Automated dunning emails and smart retries would likely pay for themselves within a month.
$50,000-$200,000/yr lost
Failed payments are a significant drag on growth. A dedicated recovery solution is essential.
Over $200,000/yr lost
You are likely leaving hundreds of thousands on the table. This should be a top priority for your finance and engineering teams.
Industry Benchmarks
| Segment | Benchmark | Context |
|---|---|---|
| Seed / Early Stage (< $100K MRR) | 7-10% | Higher failure rates due to consumer-grade cards, free trial conversions, and limited billing infrastructure. |
| Growth Stage ($100K-$1M MRR) | 5-7% | Established billing but still seeing failures from expired cards and international payments. |
| Scale / Enterprise ($1M+ MRR) | 3-5% | Lower failure rates from corporate cards, but the dollar impact per failure is much higher. |
| B2C / Consumer Subscriptions | 8-12% | Prepaid cards, bank limits, and higher card turnover drive up failure rates significantly. |
How Rezoki Can Improve These Numbers
Rezoki is an AI-powered revenue recovery platform purpose-built for SaaS. It combines smart payment retries (timed for maximum approval rates), personalized dunning email sequences, and AI voice calls to recover failed payments before they become permanent churn.
- ✓Average 70% recovery rate across all customers
- ✓5-minute integration with Stripe — no engineering needed
- ✓Uses your own SMTP for zero-cost email delivery
- ✓AI voice calls for high-value invoices that need a personal touch
Related Tools
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Involuntary Churn Cost Calculator
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Dunning Email ROI Calculator
Calculate revenue gained from dunning email sequences.
Payment Retry Savings Calculator
See how smart payment retries recover more revenue than basic retries.