Finance, metrics & runway · 2026-09-11

Magic number & CAC payback calculator

Run the Scale-style SaaS magic number and a gross-margin CAC payback side by side. Cited bands from Scale, ChartMogul, and Bessemer. Labeled hypothetical. Not advice.

Enter prior and current quarter recurring revenue plus prior-quarter sales and marketing spend for the magic number. Enter CAC, monthly ARPA, and gross margin for payback months. You get both reads on one page so the board sees efficiency and cash recovery together. Not legal, tax, or investment advice.

What each metric answers

MetricFormula used hereBest forSource
Classic magic number((CQ ARR − PQ ARR) × 4) ÷ PQ S&MCross-company sales efficiency, GAAP-friendlyScale Venture Partners (history + 0.7 median)
CAC payback (months)CAC ÷ (monthly ARPA × gross margin %)Unit economics / cash recoveryChartMogul SaaS metrics cheat sheet
Segment payback targetsSMB <12 / mid-market <18 / enterprise <24 moBoard targets by customer segmentBessemer, Scaling to $100 Million

Empty cells stay empty. Do not blend Scale’s median, ChartMogul’s invest/pull-back bands, and Bessemer’s segment targets into one “industry average.”

Magic number

Magic number = ((current-quarter recurring revenue − prior-quarter recurring revenue) × 4) ÷ prior-quarter sales & marketing spend

Scale’s Rory O’Driscoll coined the framing while looking at Omniture: first-year revenue versus go-to-market spend. Dale Chang’s Scale Studio write-ups (2020–2021): long-term median across 1,000+ enterprise SaaS companies is 0.7. A 0.7 means roughly $0.70 of recurring revenue per $1 of S&M on that definition. Scale also notes the private median has bounced and recently trended down in the periods they studied.

ChartMogul’s cheat sheet (separate publisher): above ~0.75 is commonly read as efficient enough to invest more; below ~0.5 suggests pulling back. That is their framing, not Scale’s median table.

ReadPublisherWhat they say
Long-term median ~0.7Scale Venture Partners (Scale Studio)Healthy baseline for growth-stage SaaS on their GAAP-based Magic Number
Above ~0.75 / below ~0.5ChartMogul cheat sheetInvest more vs pull back (common operator read on their page)

Optional second output in the tool multiplies the quarterly revenue change by gross margin before annualizing. That is a gross-margin-adjusted variant some operators use when margin profiles differ. It is not Scale’s classic Magic Number. Label it if you show it.

CAC payback

CAC payback (months) = CAC ÷ (ARPA × gross margin %)

ChartMogul: payback is the average time to recoup CAC through gross margin. CAC is period sales and marketing (and related acquisition) spend divided by new customers in that period. ARPA here is average monthly recurring revenue per account.

Bessemer’s Scaling to $100 Million (cloud portfolio, 2010–1H21): they evaluate CAC payback on gross-margin-adjusted ARR. Average payback in the $1–10M ARR bucket was about 15 months, rising somewhat as companies mature. Segment targets they publish:

SegmentBessemer target
SMB-focusedUnder 12 months
Mid-marketUnder 18 months
EnterpriseUnder 24 months

Bessemer: invest when CLTV / CAC is about 3× or better; if much under that, keep experimenting before pouring into acquisition. ChartMogul’s LTV:CAC note on the same cheat sheet is the familiar 3:1 rule of thumb. Different pages, same order of magnitude.

Bessemer State of the Cloud 2023 also published a Good / Better / Best CAC payback ladder for that year’s fundraising context: 12–18 months good, 6–12 better, 0–6 best. That is a third framing. Put it next to the segment targets; do not average them.

Labeled hypothetical

Not a company. Numbers chosen so both metrics are readable.

Prior-quarter ARR $2.0M. Current-quarter ARR $2.4M. Prior-quarter S&M $2.0M → classic magic number 0.80. At 75% gross margin, a GM-adjusted variant on the same delta is 0.60. CAC $12,000. Monthly ARPA $1,000. Gross margin 75% → payback 16.0 months (inside Bessemer’s mid-market under-18 target; above their SMB under-12 target). Load those defaults, then replace each field with your board numbers.

Board uses

Put magic number and payback on one slide with the lag (prior-quarter S&M). State whether ARR is net new (includes churn) or new-logo only. State gross margin definition. If you sell mixed SMB and enterprise, show payback by segment against Bessemer’s three buckets rather than one blended number. Tie capital-efficiency context to burn multiple / Rule of 40 on the sibling page. Do not claim a single “good” magic number when Scale’s median and ChartMogul’s invest band disagree on the label.

Mistakes

Sources

Your board will see magic number and CAC payback. Founders who have defended those numbers in a raise or a board pack will pressure-test your S&M plan in a FounderNexus session.