The Calculator
Add each pricing plan, enter the number of active subscribers on that plan, and the calculator produces your gross MRR, net MRR (after discounts and coupons), and a simple monthly growth projection. You can add up to ten plans.
| Plan name | Monthly price ($) | Active subscribers | Avg discount (%) | Plan MRR | |
|---|---|---|---|---|---|
| $0 |
- Gross MRR
- $0
- Total discount
- $0
- Net MRR
- $0
- Projected MRR in 12 months (at current mix, 0% growth)
- $0
What MRR Actually Measures
Monthly Recurring Revenue is the sum of all normalized subscription revenue expected in a given month. The key word is normalized: an annual subscriber paying $1,200 upfront contributes $100 to MRR each month, not $1,200 in January and zero for the rest of the year. This normalization is what makes MRR a useful operating metric — it removes the noise from billing cycle timing so you can see the real shape of your business.
MRR does not include one-time charges, setup fees, or professional services revenue. Those belong in separate line items. Mixing them into MRR inflates the number in ways that compound badly when you try to calculate churn rate or net revenue retention — your denominator becomes unreliable, and every downstream metric drifts with it.
Most Stripe-native companies calculate MRR from active subscription intervals. Each active subscription contributes its interval price divided by the number of months in that interval. The calculator above uses the same logic: enter monthly-equivalent prices and it handles the rest. If you run annual plans, divide the annual price by 12 before entering it.
Want to see your actual MRR broken down by plan, without building the query yourself?
Connect your Stripe account and Dnoise calculates gross MRR, net MRR, and every movement — new, expansion, contraction, churn — from raw Stripe events. Every number is traceable: click it to see the exact subscription behind it.
No credit card. Read-only access. Setup in 2 minutes.
Gross MRR vs Net MRR: Which Number Matters
Gross MRR is your total subscription revenue before any discounts, coupons, or credits are applied. Net MRR is what actually settles into your Stripe balance after those reductions. For most early-stage products these numbers are close, but if you run a heavy discount-to-close strategy or offer extended trials with coupons, the gap can be meaningful — sometimes 15–20% — and reporting gross MRR in investor updates while collecting net MRR in Stripe is a real problem.
There is a third number worth tracking separately: net revenue retention (NRR), sometimes called net dollar retention (NDR). NRR measures how much of last month's MRR you still have this month from the same cohort, after accounting for upgrades, downgrades, and cancellations. Top-quartile B2B SaaS companies run NRR above 110%, meaning expansion from existing customers more than offsets churn. You can read more about what drives strong retention in our B2B SaaS Churn Benchmarks 2026 and understand the related gross revenue retention metric in the GRR Guide.
For the purpose of this calculator, "net MRR" means gross MRR minus coupon and discount value — not the retention-adjusted figure. That distinction matters when you share numbers with co-founders or investors: be explicit about which definition you're using.
Gross MRR = Σ (plan monthly price × active subscribers on that plan)
Net MRR = Gross MRR − Σ (discount value per plan)
NRR = (Beginning MRR + Expansion MRR − Contraction MRR − Churned MRR) ÷ Beginning MRR × 100
The Five MRR Movements You Need to Track
A single MRR figure tells you where you are. MRR movements tell you how you got there and whether the momentum is healthy. There are five movements, and every change in your MRR belongs to exactly one of them.
- New MRR — Revenue from subscribers who had no active subscription last month. This is your acquisition signal. If new MRR is growing but total MRR is flat, you have a churn problem hidden inside a growth story.
- Expansion MRR — Revenue added from existing subscribers who upgraded to a higher plan or purchased add-ons. Strong expansion MRR above 10–15% of beginning MRR is the clearest sign of product-market fit in a mature cohort.
- Contraction MRR — Revenue lost from existing subscribers who downgraded. Unlike churned MRR, these customers stayed — they just need less. Contraction is often a pricing signal worth investigating before writing it off as ordinary.
- Churned MRR — Revenue lost from subscribers who cancelled entirely. Pair this with your churn rate benchmark to know whether your number is alarming or ordinary for your segment and ARR band.
- Reactivation MRR — Revenue from previously churned subscribers who returned. Small in most businesses, but worth tracking separately because reactivations have lower CAC and tend to retain better than first-time subscribers. For context on acquisition costs, see the CAC Payback Guide.
One movement this calculator cannot show you: revenue that hasn't actually settled because of failed payments. Industry data puts the average failed card rate for SaaS around 3–4% of active subscriptions in any given month. That revenue appears in your MRR but may never clear. The Stripe Failed Payments Recovery Guide covers what to watch and what to do about it.
See every MRR movement traced back to the exact Stripe event that caused it.
Dnoise breaks your MRR into new, expansion, contraction, churn, and reactivation every morning — pulled from raw Stripe webhooks, not an overnight sync. Click any movement total to see the list of subscriptions behind it.
No credit card. Read-only access. Setup in 2 minutes.
What Dnoise Shows You Once You're Live
This calculator is useful for back-of-envelope modeling, but it works on numbers you type in. Once you connect Stripe, Dnoise works on numbers that actually happened.
Every metric Dnoise calculates comes directly from raw Stripe events — not a normalized layer on top of them. The formulas are documented and inspectable, so if a number looks wrong you can trace it back to its source rather than filing a support ticket and waiting. Specifically, you can see:
- Gross and net MRR by plan — broken out automatically from your Stripe Products and Prices, with discounts and coupons separated so you can see both figures without combining them.
- Daily MRR movements — new, expansion, contraction, churn, and reactivation calculated each morning from the previous day's Stripe events, not estimated from a monthly snapshot.
- At-risk MRR from failed payments — subscriptions that are technically active but sitting behind a failed charge. Spot them before they churn passively. The Stripe Failed Payments Recovery Guide explains what typically happens next.
- MRR traceable to individual subscriptions — click any aggregate number and see the exact list of Stripe subscription IDs that compose it. No black boxes, no rounding you cannot explain.
- NRR and GRR over rolling periods — calculated from the same event stream, consistent with the definitions in the GRR Guide so your metrics mean the same thing month over month.
The Live Dashboard Demo shows exactly what this looks like with a real data set — no sign-up required to see it. If you want to see your own numbers, connecting Stripe takes under two minutes and the connection is read-only: Dnoise cannot move money or modify subscriptions, and you can delete the API key from your Stripe dashboard at any time.
Frequently Asked Questions
How is MRR different from revenue on my Stripe dashboard?
Stripe's default revenue view shows cash collected — the actual charges that cleared. MRR is a normalized view of what you're contractually owed each month based on active subscriptions. An annual subscriber who paid upfront shows as a single charge in Stripe's revenue but contributes monthly to MRR. This means the two numbers will rarely match, which is expected. The Stripe dashboard is the right place to look at cash flow; MRR is the right number for understanding your subscription business's trajectory.
Should I include annual plan revenue in MRR?
Yes, but normalized. Divide the annual contract value by 12 and add that monthly-equivalent figure to your MRR. Do not add the full annual amount in the month of collection — that creates a spike that makes your MRR chart misleading and breaks churn rate calculations. In this calculator, enter the monthly-equivalent price for annual plans (annual price ÷ 12) in the monthly price field.
What is the difference between MRR and ARR?
ARR (Annual Recurring Revenue) is MRR × 12. It is not the sum of annual contracts — it is a projection of your current monthly run rate over a full year. ARR is useful for communication and benchmarking at scale because it maps to how enterprise buyers think about budgets. For operational decisions at the weekly or monthly level, MRR is more useful because it reflects changes faster. The two numbers are always in sync if you calculate them consistently: ARR = MRR × 12, always.
How do I handle free trials and paused subscriptions in MRR?
Free trials should not be counted in MRR — they are not paying subscribers and including them inflates the number. Paused subscriptions are a judgment call: if Stripe is not generating invoices during the pause, most practitioners exclude them from MRR and record a contraction event when the pause starts, with a reactivation event when billing resumes. What matters most is consistency — pick a rule and apply it the same way every month so your MRR movements are comparable period over period.
Why does my calculated MRR not match what my billing tool reports?
Most discrepancies come from four places: annual plans counted at full contract value instead of normalized monthly, failed payments included in MRR before they clear, coupons or discounts counted differently, or free trial subscribers included in the subscriber count. Walk through each plan in your billing tool and compare how it handles each case against how you've set up the calculation. If you're on Stripe and want to see Dnoise's formula for your specific account, the Live Dashboard Demo shows the calculation logic with a documented, inspectable formula behind every number.
Connect once. Know what your MRR actually is every morning.
The calculator above works on the numbers you type in. Dnoise works on the numbers in your Stripe account — broken down by plan, movement type, and individual subscription, calculated from raw events so every figure is traceable. Free to start, read-only access, setup under two minutes.
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See also
- Live Dashboard Demo — see how Dnoise surfaces MRR movements from a real Stripe data set, no sign-up required.
- Connect Stripe Free — two minutes to connect, read-only access, formulas you can inspect.
- Stripe Failed Payments Recovery Guide — understand which portion of your MRR is at risk from failed charges and what happens next.
- B2B SaaS Churn Benchmarks 2026 — see how your churn rate and MRR retention compare to companies at your ARR band.
- GRR Guide — gross revenue retention explained, with the formula Dnoise uses and how it relates to MRR.
- CAC Payback Guide — once you know your MRR, this tells you how long it takes to recover what you spent to acquire it.