earnd — financial model

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Word-of-mouth growth engine

Base new sign-ups per month (paid/organic) 30/mo

% of existing customers who refer someone each month 3%

Churn — customers who cancel each month

Monthly churn rate (% of subscribers who leave) 3%

Annual subscriptions — upfront cashflow boost

% of new subscribers who pay annually upfront 20%

Annual discount offered (% off monthly rate x 12) 10%

Monthly cash received — monthly subs vs annual prepayments

Cumulative cashflow — with vs without annual option

Subscription tiers

Monthly prices (£)

Customer mix — % of subscribers on each tier

Referral programme

Mix of referral types (% of new sign-ups by each route)

Commission rates

Monthly referral commission cost — 12 months

One-off startup investment

App development

Marketing & launch

Monthly operating costs (ongoing)

Breakeven & growth scenarios

Cumulative profit / loss over 36 months

Acquisition value scenario

Target subscriber count

Revenue multiple (x annual MRR)