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SKILL.md

Finance — Unit Economics & Financial Models

Know your numbers. Every dollar in, every dollar out, every dollar you'll need.

Unit Economics

Metric Formula Healthy Range
CAC Total acquisition spend / new customers Depends on LTV
LTV ARPU × gross margin × avg lifespan (months) LTV > 3× CAC
LTV:CAC LTV / CAC 3:1 to 5:1
Payback period CAC / (ARPU × gross margin) < 12 months
Gross margin (Revenue - COGS) / Revenue > 70% for SaaS
Net revenue retention (Start MRR + expansion - contraction - churn) / Start MRR > 100%
Burn multiple Net burn / net new ARR < 2× good, < 1× great
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