Free tool
Failed Payment ROI Calculator
Input your MRR + failure rate. See annualized loss to involuntary churn — and how much Rechurn would typically recover.
Failed/month
$3,500
Lost/year
$42,000
Stripe recovers (~30%)
$1,050
default Smart Retries
With Rechurn
$1,400 – $2,275/mo
40–65% recovery typical with personalized email + retry cadence + save offers
Net gain vs. Stripe-only
+$350/mo · +$4,200/yr
Rechurn costs $49/mo. ROI: 7.1x on the conservative low estimate.
Want to see what this looks like on your Stripe?
The numbers above are an estimate. Want the real ones from your Stripe? Run the free audit — we pull the actual past-due, failure mix, and recoverable amount in 3 minutes.
Frequently asked questions
Where does the 30-65% recovery range come from?+
Industry data: Stripe Smart Retries alone recover ~30%. Tools that combine smart retries with personalized email sequences and save offers (like Rechurn, Churn Buster, Stunning) typically recover 40-65% depending on segment and tone.
What failure rate should I assume?+
Average B2B SaaS: ~5-7% of charges fail in any given month. B2C subscriptions (apps, courses, memberships): 8-12%. If you don't know your number, run the free audit — it pulls actuals from your Stripe.
Why is the recovery range so wide?+
Failure mix matters. Expired cards recover at ~50-70% with the right ask. Insufficient funds recover at ~25-40%. Generic declines, ~25-35%. Your actual recovery depends on the mix of codes hitting your account.
Does this estimate include voluntary churn?+
No. This calculator is specifically for involuntary churn — churn caused by failed payments, not customers actively canceling. Voluntary churn needs different tooling (cancellation flows, retention surveys).
How does Rechurn improve recovery rates?+
Per-decline-code retry timing (don't retry hard declines, smart cadence on soft declines), AI-personalized emails between retries, and save offers (discount/pause/downgrade) on attempt 3.