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How much are failed Stripe payments costing you?
Type your MRR below and see the 90-day leak in a few seconds. No account, no Stripe connection, no email. When you want the exact figure from your own data, you can pull it read-only in about a minute.
- Lost to failed payments, 90 days
- $3,600
- Potentially recoverable, 90 days (at 65%)
- $2,340
- Annualized loss
- $14,400
- Annualized recoverable
- $9,360
This is arithmetic on the numbers you typed, not your Stripe data. The only way to know your real figure is to read it off your account.
Stripe's OAuth only offers read/write scope — we only call read APIs (payment intents). We never charge, refund, or move money. No signup, no account, no email. Disconnect any time from your Stripe dashboard.
Built by Greg, a solo founder. The optional Stripe connection is read-only, it can't charge or change anything, and it never contacts your customers. Questions? I answer personally on X (@RecoupLLC).
How much am I losing to involuntary churn?
Take your monthly recurring revenue and multiply it by the share of charges that fail. A business at $20,000 MRR with a 6% failure rate is losing roughly $1,200 a month, about $3,600 a quarter, and around $14,400 a year before any recovery.
The reason this number surprises people is that it does not look like a billing problem in most dashboards. It looks like churn. A customer whose card expired and a customer who rage-quit land in the same bucket, so the failed payments get treated as a product problem and never get chased.
Estimating is fine for a gut check, but your real rate depends on your card mix, your customers and your retry settings. Reading it off your Stripe account takes about a minute and beats any calculator, including this one.
How this calculator works
There is no hidden model here. The arithmetic is:
monthly loss = MRR × failure rate
90-day loss = monthly loss × 3
recoverable = 90-day loss × 65%
The 65% figure is the same recovery assumption Recoup applies to real Stripe data, so this page will never quote you a better outcome than the actual report. It is a planning assumption rather than a promise: recovery depends on reaching the customer while they still want the subscription.
Common questions
- How much am I losing to involuntary churn?
- Multiply your monthly recurring revenue by the share of charges that fail. A business at $20,000 MRR with a 6% failure rate loses about $1,200 a month, or roughly $3,600 a quarter. That is an estimate from your own inputs. Your actual number depends on your card mix, your customers and your retry settings, so the only reliable way to get it is to read it off your Stripe account.
- What is the difference between involuntary churn and voluntary churn?
- Voluntary churn is a customer deciding to cancel. Involuntary churn is a customer who still wants your product but whose payment did not go through, usually because a card expired, was replaced after fraud, or was declined for insufficient funds. Most dashboards report the two as one churn number, which hides the fact that involuntary churn is a billing problem rather than a product problem.
- Why does this calculator use a 65% recovery rate?
- Because that is the same rate Recoup applies when it analyses real Stripe data, so this page cannot promise a better outcome than the actual report returns. It is a planning assumption, not a guarantee. Recovery depends on how quickly you reach the customer and whether they still want the subscription.
- Do I need to create an account to see my real number?
- No. Recoup connects via Stripe Connect OAuth and shows your last 90 days of failed payments. There is no signup, no account and no email required. Stripe's OAuth only offers read/write scope — we only call read APIs (payment intents). We never charge, refund or move money, and you can revoke access any time from your Stripe dashboard.
- Where do I find my real failed payment rate in Stripe?
- In the Stripe Dashboard, open Billing and then Revenue recovery. Stripe reports failed charges and recovered revenue there. You can also filter Payments by the failed status to see the underlying charges.