Failed Payment Recovery Calculator
See how much MRR you're losing to failed payments right now — and how much a dunning system can put back.
Enter your numbers
Based on industry data: ~40% of SaaS churn is involuntary (failed payments), and ~63% of failed payments are recoverable with a proper dunning sequence.
Enter your MRR and churn rate above to see your recovery potential.
How the calculation works
Estimate involuntary churn
Research across thousands of SaaS companies shows that approximately 40% of monthly churn is involuntary — customers who intended to stay but whose payment failed. We apply this ratio to your total churn to estimate MRR lost to payment failures specifically.
Grade your overall churn rate →Apply a 63% recovery rate
Not all failed payments are recoverable — some cards are permanently closed, some customers have truly churned. But with a well-timed dunning sequence, roughly 63% of failed payments can be recovered. This is based on aggregated data from SaaS dunning tools including MRRescue's own recovery stats.
Calculate net ROI vs MRRescue cost
We compare your annual recovery potential against MRRescue's Starter plan cost (€29.99/mo = €359.88/yr). The difference is your net annual benefit. Most customers see a 10–30x return in the first year.
Frequently asked questions
What percentage of SaaS churn is from failed payments?
Industry data consistently shows that 20–40% of total SaaS churn is involuntary — meaning customers didn't intend to cancel but their payment failed and was never recovered. For B2B SaaS, this tends to be closer to 40% since customers rarely notice a failed charge until access is cut off.
What recovery rate can I realistically expect?
With a proper dunning email sequence (4–6 emails over 14–21 days), SaaS companies typically recover 55–70% of failed payments. MRRescue uses a 6-step sequence with decline-code-aware retry timing, which consistently delivers recovery rates in the 60–65% range.
How long does it take to see results from dunning?
Most customers see recovered revenue within the first 7 days. The full 21-day sequence plays out over three weeks, but the first two emails — sent within 24–72 hours of the failure — capture the majority of recoveries.
Does this replace Stripe's built-in Smart Retries?
No — and you don't have to choose. Stripe Smart Retries handles automatic charge retries. MRRescue layers dunning emails on top of those retries. They work together: retries increase payment success, emails increase customer awareness and card updates. You need both.
Complete your analysis
Cancel Flow ROI Calculator
See your ROI from intercepting cancellations with pause and discount offers.
Churn Benchmark Grader
Grade your churn rate A–F against industry benchmarks for your ARPU and segment.
MRR Leakage Calculator
Total MRR at risk across failed payments, cancellations, and expiring cards.
Ready to recover this MRR?
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