Growth & Retention

Are you getting the full value from the customers you already have?

Most businesses focus on winning new customers. The biggest untapped growth lever is usually sitting in the relationships they already have. This tool shows you what your existing customers are really worth — and what you could be leaving behind.

Growth & Retention

Part of the FinCore Platform

This tool sits within the Growth & Retention pillar — it measures how much of your existing revenue you are keeping, growing, or losing each period. It connects directly to your CAC Payback position: if retention is poor, every new customer you win is more expensive than it needs to be.

About your business

This determines which calculation is right for you

How do your customers pay you?

Pick the one that best describes most of your revenue.

Your recurring revenue figures

Use numbers from one complete period — one month or one quarter. Be consistent.

NRR = (Starting revenue + Expansion − Cancellations − Downgrades) ÷ Starting revenue × 100. Above 100% means your existing customers are growing in value. Below 100% means you are losing ground even before counting new customers.

Recurring revenue at the start of the period

Your total subscription or recurring income at the beginning of the period. Enter a plain number in your own currency.

Revenue added from existing customers (Optional)

Upsells, upgrades, or add-ons from customers already with you.

Revenue lost to cancellations (Optional)

Customers who cancelled their subscription entirely.

Revenue lost to downgrades (Optional)

Customers who stayed but reduced their plan or spend. Not sure? Enter 0.

NRR	Rating	What it means
120% or above	Compounding	Existing customers are growing faster than any churn. Your base compounds without new sales.
100–119%	Healthy	You are retaining and growing revenue. New customer acquisition builds on a stable base.
85–99%	Leaking	You are losing a small amount of revenue from your existing base each period. Fix this before scaling.
Below 85%	Shrinking	Significant revenue is leaving your base. New customer acquisition is fighting a losing battle.

Your client return figures

Use numbers from the last 12 months.

For project-based businesses, retention is measured by how many clients come back. This tells you the revenue sitting in your existing relationships — and what you are leaving behind by not formalising them.

How many clients did you serve in the last 12 months?

Count each client once, regardless of how many projects they had.

How many came back for more work?

Clients who instructed you more than once in the same 12-month period.

What is a typical client engagement worth to you?

Your average project or job value. Enter a plain number in your own currency.

What would an ongoing monthly arrangement with a client be worth? (Optional)

If you do not currently offer this, estimate 3–10% of your typical project value. This shows you the opportunity you are leaving behind.

Return Rate	Rating	What it means
70% or above	Compounding	Most of your clients are returning. Your relationships are becoming a genuine growth engine.
50–69%	Building	Around half your clients return. You have natural loyalty — making it intentional could significantly increase revenue.
30–49%	Early Signs	Some clients return but most do not. The revenue left behind is likely larger than your new client acquisition spend.
Below 30%	Untapped	Almost all client value leaves after the first engagement. Your existing client list is your fastest path to growth.

This tool is provided for informational and educational purposes only. All results are projections based solely on the figures you enter and do not constitute financial, accounting, legal, tax, or business advice. Actual outcomes may differ materially due to market conditions, business decisions, or factors not captured here. You agree not to make financial or business decisions based solely on this output. To the fullest extent permitted by applicable law, FinCore and its affiliates disclaim all liability for any damages arising from your use of this tool. For decisions affecting your business, consult a qualified professional. Your use of this tool constitutes acceptance of these terms.