Failed payment calculator for Stripe subscriptions
Put in your monthly recurring revenue and the share you lose to failed payments. The calculator shows what that adds up to over 12 months if nobody wins those customers back, and what a follow-up rate you choose would bring back.
Starts at 0.1% a month, the conservative reading of Recurly’s benchmark: its July 2026 data lists 1.30% involuntary churn for $10–$25/month plans and labels it an annual median, which is about 0.1% a month. Swap in your own monthly number from Stripe’s recovery analytics. (See “Where to find your numbers” below.)
This is your guess, not a promise. Stripe’s own retries already save some; this is what extra follow-up might add.
How the math works
Each month, the calculator takes the failure rate you set and removes that share of your remaining recurring revenue. A customer lost in month 2 also stops paying in months 3 through 12, so the losses stack. The big number is the total of those missing payments across the year. It assumes no new customers and no price changes, so it is a way to size the leak, not a forecast.
The “won back” line multiplies that total by the share you think follow-ups could recover. The last line subtracts Retryly’s founding price ($19 a month, $228 a year) so you can see whether a tool like ours would pay for itself at your numbers. If the net is negative, you probably don’t need us yet.
Where to find your numbers
- Monthly recurring revenue: the MRR figure in your Stripe Dashboard under Billing.
- Failure and recovery rates: Stripe’s revenue recovery tools include recovery analytics showing subscription payment failure rates and recovery rates for your own account. That beats any benchmark.
- A benchmark, if you have no history yet: Recurly’s churn rate benchmarks (July 2026 data) list a 1.30% median involuntary churn rate for subscriptions priced $10–$25 a month, falling to 0.18% above $250 a month. Recurly labels these as median annual rates, so the calculator’s default uses the conservative reading: 1.3% a year is about 0.1% a month. That is a starting point, not your rate. Your own Stripe numbers are what count.
What to do with the result
If the 12-month number is small, turn on Stripe’s built-in retries and failed-payment emails and check back in a quarter. If it is big enough to matter, read what Stripe already does when a payment fails, then decide whether you want a personal follow-up layer on top. That layer is what Retryly is being built to do, at a $19/month founding price.