--- description: Free failed payment calculator. See in seconds how much revenue failed card payments cost your business each month and each year. Runs in your browser. title: Failed Payment Calculator | Revenue Lost to Declines | SmartRetry image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fog-image.0z0q4_5kazzzo.jpeg --- # Failed Payment Calculator See in seconds how much revenue failed card payments cost you every month and every year. Your monthly revenue $ $10K$50K$100K$500K$1M Payments that fail8% Failed payments you win back today30% Starting values are examples. For a real estimate, use the numbers from your billing or payment provider dashboard. Revenue you lose to failed payments every year$67,200 Every month, $8,000 in payments fails. You win back $2,400, and $5,600 is gone. Fails each month$8,000 Lost each month$5,600 No ROI math needed. SmartRetry is performance-based, so you profit from the very first recovered payment. [See how our pricing works](/pricing#pricing-form) How we calculate it: payments that fail = monthly revenue × failure rate. Lost = failed payments × (1 − win-back rate). Yearly = monthly × 12\. The math runs in your browser. Your numbers are only sent to us if you request a report below. ## Want us to analyze your data? Leave your details and we'll send you a comprehensive report on your failed payments and how much of that revenue can be recovered. The numbers you entered above are sent with your request. For merchants and payment providers. Full name Work email Company(optional) I am aChoose oneMerchantPayment provider Send me the report Learn More ## How failed payments cost you revenue Every failed card payment is revenue you already earned that never arrives. Much of it is not lost for good: many declines are temporary, and the right retry at the right moment can recover the payment without the customer doing anything. ### What is involuntary churn? Involuntary churn is revenue lost when a customer who wants to keep paying is cancelled because their payment fails, for example from insufficient funds, an expired card, or an issuer block. Unlike voluntary churn, the customer never chose to leave. A failed payment is not the end of a customer. Many declines are soft declines, such as insufficient funds or a temporary issuer limit, and the same card can be approved later. How much comes back depends on how failures are handled. Fixed retry schedules retry at the same intervals for every decline, while smarter recovery reads the decline reason and the issuer's signals to choose when, and whether, to retry. This calculator shows the size of the gap. Your real failure and recovery rates are in your billing system or payment provider dashboard, so replace the example values with your own. ### How to use this calculator 1. 1 #### Enter your monthly revenue Use your monthly recurring revenue, or the total value of card payments you attempt each month. 2. 2 #### Enter your failure rate The share of that revenue whose first payment attempt fails. Your payment provider reports this as declines or failed payments. 3. 3 #### Enter your current recovery rate The share of failed payments you eventually collect today, through retries, dunning emails or card updates. ### What the results mean | Result | What it tells you | | -------------------------- | -------------------------------------------------------------------------- | | Revenue at risk each month | The value of payments that fail on the first attempt, before any recovery. | | Revenue lost each month | What is still missing after your current recovery process. | | Revenue lost each year | The monthly loss over twelve months, assuming similar volumes. | ### FAQs Where do I find my failure and recovery rates? Your billing system or payment provider dashboard usually reports failed or declined payments and how many were later collected. Use the last few months to smooth out seasonal swings. Are the starting values benchmarks? No. They are example numbers so the calculator shows a result straight away. Replace them with your own figures for a real estimate. Does this tool send my numbers anywhere? No. The calculator runs in your browser, and nothing you enter is stored or logged. Your numbers are only sent to us if you request a report, so we can prepare it. Why is the real cost often higher than this estimate? A customer lost to a failed payment also stops paying in the months after. This calculator only counts the failed payments themselves, so the full cost of involuntary churn is usually higher. How can I recover more failed payments? Retry based on the decline reason instead of a fixed schedule, avoid retrying hard declines such as stolen or closed cards, and keep card details up to date. SmartRetry automates this using issuer signals. Other tools to help you * [BIN Lookup](/bin) * [MCC Lookup](/mcc) * [Decline Code Lookup](/decline-code) * [Issuer Lookup](/issuer) * [Card Validator](/card-validator) ![SmartRetry - Payment Recovery Platform](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flogo.3mm2n0hdxl3mi.svg) ## Win back the revenue you are losing SmartRetry reads issuer signals to retry each failed payment at the right moment, automatically and without changing your payment provider. --- ```json {"@context":"https://schema.org","@type":"WebPage","name":"Failed Payment Calculator | Revenue Lost to Declines | SmartRetry","description":"Free failed payment calculator. See in seconds how much revenue failed card payments cost your business each month and each year. 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