SaaS Cash Flow Management That Tracks MRR, Churn, and Runway

Trezy automatically calculates Monthly Recurring Revenue (MRR) and Annual Recurring Revenue (ARR) by analyzing your subscription payment patterns from Stripe, Chargebee, or your bank accounts. The system categorizes each payment into: New MRR (new customer subscriptions), Expansion MRR (upgrades and upsells), Churned MRR (cancellations), and Contraction MRR (downgrades). For annual plans, Trezy normalizes the payment into monthly equivalents (e.g., a €1,200 annual payment = €100 MRR) while tracking when the actual cash arrived. You'll see MRR trends over time, growth rates, and how each subscription tier contributes to total recurring revenue. This gives you the foundation for forecasting future cash flow from your subscription base.

Yes! Trezy calculates your runway using the formula: Current Cash Balance / Monthly Burn Rate = Months of Runway. But it goes much further - the system forecasts how runway changes over time based on expected MRR growth, planned hiring, marketing spend, and infrastructure costs. You can see "With current burn rate of €50,000/month and MRR growth of €10,000/month, you'll reach cash flow break-even in 8 months." The runway calculator updates in real-time as cash and expenses change, and scenario planning lets you model decisions like "What if I hire 2 engineers in Q2?" to see the impact on your runway before committing. This is essential for SaaS founders managing the balance between growth investment and cash preservation.

Churn has a devastating compound effect on SaaS cash flow that most founders underestimate. Trezy models this precisely: if you have 5% monthly churn, you're losing 46% of your revenue base annually (not 60% - it compounds!). The system shows you exactly how much MRR you're losing each month to churn and forecasts the long-term impact on cash flow and runway. More importantly, you can model churn improvement scenarios - "What if we reduce churn from 5% to 3%?" - to see how it extends runway and accelerates the path to profitability. Many SaaS founders discover that reducing churn by 2% adds more cash than increasing new customer acquisition by 20%, making it the most efficient growth lever.

Yes! When you connect Trezy to your accounting system or categorize marketing/sales expenses, it calculates Customer Acquisition Cost (CAC) and payback period. The system divides your sales & marketing spend by new customers acquired to determine CAC, then calculates how many months of revenue are needed to recover that cost. For example, if CAC is €1,200 and average customer pays €100/month, your payback period is 12 months. This is critical for SaaS cash flow because even though you're growing, you're cash flow negative during the payback period. Trezy forecasts how customer acquisition spending impacts cash runway, helping you balance growth with cash preservation. You'll see scenarios like "Spending €20K more on ads this quarter acquires 50 customers but extends payback period, reducing runway by 2 months."

SaaS businesses face a unique challenge: accounting shows revenue when a customer signs up (accrual), but cash arrives over the subscription period. A €12,000 annual contract might show as revenue today, but cash comes in monthly installments - or vice versa with annual prepayment. Trezy focuses on cash reality, not accounting fiction. It tracks when cash actually hits your bank account from subscriptions, showing true cash flow regardless of how revenue is recognized in your P&L. You'll see scenarios like "You have €100K ARR, but only €60K cash collected because 40% signed up recently." This prevents the dangerous mistake of thinking you're more cash-rich than you are. For SaaS founders, especially pre-profitability, cash is survival - not accrual revenue.

Absolutely! This is a critical decision for SaaS companies. Trezy's scenario planning lets you model both pricing strategies: Annual pricing brings large cash influxes upfront (improving cash flow and runway) but frontloads churn risk - if they cancel after 3 months, you must refund 9 months. Monthly pricing spreads cash collection over time (worse for runway) but reduces refund risk. You can create scenarios comparing "50% of customers on annual plans" vs. "100% monthly" to see the cash flow impact over 12 months. The forecast shows when cash arrives, how it affects runway, and the break-even timeline. Many SaaS companies find that annual plans with 15-20% discount are cash-positive because the upfront cash dramatically improves runway, even after the discount.

Trezy helps you answer the critical SaaS question: "How much can I afford to spend on customer acquisition without running out of cash?" The system models customer acquisition scenarios: if you spend €30,000 on marketing this quarter to acquire 50 customers at €600 CAC, with €100 MRR per customer, the forecast shows exactly when you'll recover that cash (6-month payback) and the impact on runway. You can test aggressive vs. conservative acquisition strategies: "What if I double marketing spend?" shows both the growth potential and the cash burn. This helps you optimize the growth/cash trade-off - spending enough to grow quickly, but not so much that you run out of runway before reaching profitability.

Trezy connects to your bank accounts where subscription payments from Stripe, Chargebee, or other processors are deposited - capturing the actual cash flow. For deeper integration, we work with accounting systems like PennyLane, QuickBooks, and Xero that can sync with Stripe and Chargebee, pulling in detailed subscription data. This combined approach gives you both granular subscription metrics (MRR, ARR, churn by plan) and cash flow reality (when money actually arrives in your bank). While we don't have direct Stripe/Chargebee API integration yet, the bank connection captures all subscription revenue and fees automatically, and accounting system integration adds the subscription detail layer. This provides complete financial visibility for SaaS companies without manual data entry.