SaaS Pricing Calculator 2026
This SaaS pricing calculator helps founders set a defensible monthly price by combining cost-plus, value-based and competitor-anchored logic. Enter cost-to-serve per account, target gross margin, customer's annual value created and competitor benchmark; the tool returns a recommended price range and computes CAC payback at that price. Example: a B2B SaaS costing CHF 30/month to serve, with a 22% value share of CHF 8,000 created per customer per year, against a competitor at CHF 99, lands at a defensible CHF 79–149/month with CAC payback under 12 months. Pricing too low is the #1 SaaS mistake — 60% of teams underprice at launch. Last updated June 2026.
How to use this calculator
- 01Enter monthly cost to serve one customer (infra + support).
- 02Set your target gross margin (70–85% is healthy for SaaS).
- 03Enter annual value the customer captures from your tool.
- 04Add competitor benchmark price.
- 05Read the recommended price range and CAC payback months.
- •Charge 10–20% of the value you create — not cost + margin.
- •Healthy SaaS gross margin: 75–85%. Below 60% is a service business.
- •CAC payback under 12 months for SMB, under 18 for mid-market.
- •Raise prices yearly by 5–10% — grandfathered cohorts stay sticky.
- •Three-tier pricing wins (cheap anchor, target plan, premium decoy).
Frequently asked questions
Should I price by user, usage or flat?
Per-seat scales with adoption; usage-based aligns with value; flat is simple but caps revenue. Modern SaaS in 2026 increasingly mixes seat + usage.
How much should I charge?
Aim for 10–20% of the annual value created. If you save the customer CHF 50,000/year, charge CHF 5,000–10,000/year — even more if ROI is direct.
Free trial vs freemium?
Trial converts faster for high-value B2B (14–30 days). Freemium works only at huge scale with viral loops (Slack, Notion). Pick one, not both.
Annual vs monthly billing?
Annual upfront discount of 15–20% improves cash and reduces churn by 2–3×. Default to annual for ACV > CHF 1,000.
When to raise prices?
Every 12 months by 5–10%. Grandfather existing customers for 12–24 months to avoid churn. Announce by email 30 days in advance.
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