Subscription Churn Calculator
Voluntary and involuntary separated.
Monthly churn
6%
5% if dunning recovered what it could
38% of these cancellations were failed payments rather than decisions to leave. That portion is a billing problem with a technical fix, and treating it as a product problem sends teams to solve the wrong thing.
How the Subscription Churn Calculator works
A large share of subscription cancellations are failed payments rather than decisions to leave. That portion is a billing problem with a technical fix, and treating it as a product problem sends teams to solve the wrong thing entirely.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What is involuntary churn?
Subscriptions lost because a payment failed — expired card, insufficient funds, a bank declining a recurring charge. Commonly 20% to 40% of total churn, and largely recoverable.
How do I separate the two?
By cancellation reason. Payment failures are flagged by the billing system; voluntary cancellations come through the cancel flow. Reporting them together hides a fixable problem inside an unfixable-looking one.
How do I reduce involuntary churn?
Smart retry timing, card updater services, pre-expiry reminders, and a dunning email sequence. Together they typically recover half to two thirds of failed payments.
Is annual churn just twelve times monthly?
No. It is one minus (one minus monthly) to the twelfth power. At 5% monthly, annual churn is 46%, not 60%.