GlossaryFinance & Governance

Marketing Payback Period

Also known as: Time to Break Even, CAC Payback

Marketing Payback Period is the number of months it takes for a new customer's cumulative contribution margin to equal the cost to acquire them (CAC). It is a measure of liquidity risk. A shorter payback period frees up cash to be reinvested in growth faster.

The Short Version

How long until I get my money back?

The Infinite LTV Trap

You have high LTV, so you spend aggressively. But the payback is 24 months.

You run out of cash in month 6. You die before you ever see that high LTV. Payback period measures survival.

How it works

1

Month 1 Margin + Month 2 Margin... until Sum >= CAC

2

Track Cumulative Net Income per cohort

Common Misconceptions

Calculating payback on Revenue instead of Margin

Ignoring Churn in the payback calculation

Assuming you have infinite runway to wait for returns

In SpendSignal

SpendSignal tracks Payback Period trends. We warn you if your payback period is lengthening, which often precedes a cash crunch.

Frequently Asked Questions

QWhat is a good payback period?

For SaaS: 12 months is standard. For DTC/Ecom: First order payback is ideal, but 60-90 days is acceptable for high-repeat businesses.

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