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SaaS Quick Ratio Calculator

(New + expansion MRR) ÷ (churned + contracted MRR). One number that tells you whether you're really growing or just running to stand still.
Gains (numerator)
Losses (denominator)
Quick ratio
4.22
Gains
$38K
Losses
$9K
VerdictHealthy. Standard SaaS bar — investors will see this as scalable.
Benchmarks
  • ≥ 8Top-tier
  • 4–8Healthy
  • 2–4Workable
  • < 2Leaky

What is the saas quick ratio calculator?

Quick Ratio = (New MRR + Expansion MRR) ÷ (Churned MRR + Contraction MRR).

It compares your gains to your losses in the same period. A quick ratio of 4 means you're winning $4 for every $1 you lose.

Why this matters for founders & operators

Many SaaS companies have impressive top-line growth but simultaneously high leakage. Quick ratio surfaces that — even a fast-growing company with a quick ratio under 2 is a leaky bucket investors will quickly identify.

Most healthy growth-stage SaaS companies maintain quick ratios of 4 or higher. Top-decile companies often run above 8.

How to use this calculator

  1. 1
    Use a clean monthly window

    Quick ratio is a monthly metric. Quarterly aggregation hides timing.

  2. 2
    Separate churn from contraction

    Churn is full account loss. Contraction is downgrades within an account. They're different operating problems and should be tracked separately.

  3. 3
    Track over time

    Single-month quick ratio is noisy. Watch a 3- or 6-month rolling average.

  4. 4
    Pair with NRR

    Quick ratio measures all change. NRR measures change in existing customers. Together they tell the full retention story.

FAQ

What's a great SaaS quick ratio?+
≥ 4 is healthy. Top-decile companies run 8+. Below 2 indicates serious churn / contraction relative to gains.
How is this different from net new MRR?+
Net new MRR = Gains − Losses (a dollar amount). Quick ratio = Gains ÷ Losses (a multiple). Different framing of the same data — quick ratio scales across companies of different sizes.
Should I use ARR or MRR?+
MRR is the standard. ARR-based quick ratio is fine but smooths out monthly variation.
How does quick ratio relate to magic number?+
Quick ratio is about retention efficiency. Magic number is about acquisition efficiency. Together they describe the SaaS engine.