Free tool
Failed payment calculator
Your total subscription revenue per month.
Share of MRR whose charge fails each month. 5% is an assumption; use your own number from your billing system.
Share of failed revenue you win back today (provider retries plus any emails).
The recovery rate you want to reach. Pick a number you consider realistic.
Revenue at risk each month
$2,500
Revenue lost each month today
$2,000
Revenue lost each year today
$24,000
Extra revenue per year at your target
$9,000
| Plan | Price / month | Extra recovered / month | Multiple of price |
|---|---|---|---|
| Starter | $49 | $750 | 15.3× |
| Growth | $149 | $750 | 5.0× |
| Pro | $349 | $750 | 2.1× |
Estimates only. Every result comes from the numbers you enter; none are Revnio measurements. See pricing for what each plan includes.
How the numbers are calculated
- Revenue at risk each month = MRR × failed payment rate
- Revenue lost each month today = revenue at risk × (1 − current recovery rate)
- Revenue lost each year today = monthly loss × 12
- Extra revenue at your target = revenue at risk × (target recovery rate − current recovery rate), shown per year (× 12)
- Multiple of price = extra monthly recovery ÷ the plan's monthly price
What involuntary churn is
Most subscription businesses track cancellations closely, but a share of their churn comes from customers who never decided to leave. Their card expired, their bank flagged a recurring charge, or there wasn't enough money in the account on the day you billed. If nobody follows up, the subscription eventually lapses and the customer is gone. That is involuntary churn.
It is worth separating from voluntary churn because the fix is different. A customer who cancels on purpose needs a better product or a better offer. A customer whose payment failed usually just needs to be told, at the right time, through a channel they actually read, with a link that lets them fix their card in under a minute.
How to read your results
Revenue at risk is the gross amount that fails each month before any recovery. It shows the size of the problem. Revenue lost is what you never get back with your current setup; for most teams this is the number to watch. Extra revenue at your target is what closing the gap between your current and target recovery rate is worth.
The calculator counts each failed payment once. In reality a customer you recover keeps paying in the months after, so the lifetime value of a recovery is usually several times the single payment. If your average customer stays for a year or more, treat the annual figure as a floor.
Where recovery gains come from
Teams that improve their recovery rate usually change four things:
- Retry timing by decline reason. An insufficient-funds decline often succeeds a few days later; an expired or stolen card never will. Read the decline code guide for what each code means.
- Clear, friendly messages. One short email with a single link to update the card works better than a generic invoice notice. Start from our dunning email templates.
- More than one channel. Billing emails get missed. A short WhatsApp follow-up (or, soon, SMS) reaches people where they look.
- Catching cards before they expire. Pre-dunning emails ask for a new card before the charge fails.
Revnio automates all four for Stripe, Chargebee and Paddle. Plans start at the prices in the table above; see pricing for details.
Frequently asked questions
What is involuntary churn?
Involuntary churn is when a customer loses their subscription because a payment failed, not because they chose to cancel. Expired cards, insufficient funds and bank declines are the usual causes.
How do I find my failed payment rate?
In Stripe, Chargebee or Paddle, add up the value of subscription invoices that failed on their first attempt over the last few months and divide by your MRR for the same period. Use the monthly average in the calculator.
What counts as my current recovery rate?
The share of failed invoices that were eventually paid, whether through your billing provider’s automatic retries, emails or customers fixing their card themselves. Your billing provider’s invoice reports show which failed invoices were later paid.
Is the result exact?
No. It is a simple estimate from the numbers you enter. It ignores that a recovered customer usually keeps paying in later months, so the long-term value of recovery is often higher than the annual figure shown.
Recover failed payments on autopilot
Revnio retries failed payments at the right time and reaches customers by email and WhatsApp until the card is fixed. Works with Stripe, Chargebee and Paddle.
Related
- Dunning email templatesCopy-ready emails and SMS for every stage of a failed payment.
- Card decline codes explainedWhat each decline code means and whether to retry.
- Stripe failed payment recoveryHow Revnio recovers failed Stripe payments.
- SMS dunningComing soon: reach customers who ignore billing emails by text.