Free calculator · for SaaS founders & investors

See if your SaaS passes the Rule of 40.

The Rule of 40 says growth rate plus profit margin should total at least 40%. Enter yours to see your score instantly — then track it over time and by scenario with the full tool.

Done-for-you template

Rule of 40 & SaaS Health Tracker

Track growth, margin, and the Rule of 40 quarter by quarter.

  • Rule of 40 score from your growth and margin
  • Track it quarter by quarter and see the trend
  • Test how trading growth for margin changes the score
  • See where you sit versus the 40% benchmark
  • Assumptions-driven · Excel & Google Sheets · delivered instantly
$24one-time · instant download
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Questions

What is the Rule of 40?

The Rule of 40 is a benchmark for software and subscription businesses: your annual revenue growth rate plus your profit margin should add up to at least 40%. It captures the trade-off between growing fast and being profitable — a company can score well by growing quickly at a loss, or growing modestly with strong margins. Below 40% suggests the balance of growth and profitability needs work.

Which growth and margin numbers should I use?

Typically year-over-year revenue growth as a percentage, and a profit margin — often an operating or free-cash-flow margin, though EBITDA margin is also used. The key is to be consistent about which margin you pick so your Rule of 40 score is comparable over time. This calculator adds whatever growth and margin figures you enter.

What is in the paid tracker?

A ready-to-use spreadsheet (Excel & Google Sheets): your Rule of 40 score from growth and margin, tracked quarter by quarter with the trend, plus growth-vs-margin scenarios — delivered instantly after checkout. AI-assisted, human-built; not financial advice.

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