Fully-loaded CAC Calculator
Calculate fully-loaded CAC by including paid spend plus sales & marketing costs (salaries, tools, and other acquisition costs).
Fully-loaded CAC includes more than ad spend. It adds the costs required to acquire customers (sales & marketing salaries, tools, and other acquisition costs) to get a planning-grade CAC.
Use the same time window for costs and new customers, and keep the definition consistent over time so trends are meaningful.
Prefer an explanation- Read the guide.
Fully-loaded CAC: definition, formula, and what to includeUnit economics hub: CAC, LTV, payback, and runway (a practical stack)CAC vs CPA: definitions, formulas, and when to use eachCohort payback curves: how to model payback with early churn
$
Allocated to acquisition for the same time window (include commissions if you treat them as acquisition cost).
$
$
Agencies, creative production, list rentals, events, etc. (if you treat them as acquisition costs).
$
$
%
Tip: you can type commas (e.g., 10,000).
Example
Using the default inputs, the result is:
$1,416.67
- Paid media spend
- $60,000
- Sales & marketing salaries (allocated)
- $90,000
- Tools & software (allocated)
- $12,000
- Other acquisition costs (optional)
- $8,000
- New paying customers acquired
- 120
- ARPA per month (optional)
- $500
- Gross margin (optional)
- 80%
How to calculate
- Choose a time window (month/quarter) and a segment (paid channel, motion, plan).
- Enter paid spend and other acquisition costs for the same window.
- Enter the number of new paying customers acquired in the same window.
- Compute fully-loaded CAC = total acquisition costs / new customers.
Formula
Fully-loaded CAC = (paid spend + salaries + tools + other) / new customers
- All costs and new customers are measured over the same time window.
- Salaries/tools are allocated to acquisition consistently (planning definition).
- Use segment-level CAC (channel/plan) when possible; blended numbers can hide weak cohorts.
FAQ
Is fully-loaded CAC better than paid CAC-
They answer different questions. Paid CAC helps optimize paid channels; fully-loaded CAC is more useful for planning and unit economics because it includes the costs required to acquire customers.
Should I include support and COGS in CAC-
Typically no. CAC focuses on acquisition costs. Support/hosting are usually part of COGS and affect gross margin, which impacts payback and LTV.
Common mistakes
- Using leads/trials as 'customers' (denominator mismatch).
- Mixing time windows (monthly costs with quarterly customers).
- Changing what you include month-to-month (definition drift).
How to interpret
How to use fully-loaded CAC
- Use it for planning and unit economics (payback, LTV:CAC).
- Keep the definition stable over time to avoid misleading trends.
- Segment by channel and plan to find which motions are sustainable.
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Quick checks
- Keep time units consistent (monthly vs annual) across inputs and outputs.
- Segment by cohort/channel/plan before trusting a blended average.
- Use the related guide to avoid common definition and denominator mismatches.