# Discentra Churn Cost Calculator

> A free tool that turns four numbers (active traders, monthly churn rate, cost to acquire, average lifetime value per trader) into an estimate of a year's trader churn cost on your own figures, plus what a lower churn rate would be worth at three illustrative reductions.

## Four numbers, thirty seconds

An estimate of what trader churn costs on your own figures.

Coaching, not financial advice.

## What the calculator does

The calculator takes four inputs and returns three outputs. Inputs:

- **How many active traders do you have?** Count of traders enrolled in your evaluation programme, funded programme, or live brokerage account in the current period.
- **What % leave per month?** Monthly churn rate. Discentra working estimate: 10 to 15% a month.
- **Cost to acquire one trader ($).** All-in CAC: paid ads, affiliate fees, internal acquisition costs. Our working range is $200 to $2,000 per trader.
- **Average lifetime value per trader ($), optional.** Our working assumption is $1,200 to $3,500 a year per trader. If you leave this blank the calculator returns replacement cost only.

## What the outputs mean

Three headline numbers appear once you fill in the required inputs:

1. **Total loss from a year's churn (or per-year replacement cost if no LTV).** Dollar value of the churn problem at your current rates.
2. **Traders lost every 12 months.** Headcount equivalent, useful for board-level framing.
3. **Worth over 12 months if monthly churn fell 15% (illustration).** Dollar value kept if your monthly churn rate fell by 15% of itself (relative, not absolute).

Below the headline, three illustrative reductions compare side by side:

- **8% reduction (illustration).** The low end of the range shown.
- **15% reduction (illustration).** The middle of the range shown.
- **25% reduction (illustration).** The top of the range shown. None of the three is a forecast or a pilot target: a pilot is judged on a success test set out in writing before go-live.

Each scenario shows total annual savings, traders retained, and (if LTV provided) the split between replacement-cost saved and revenue retained.

## How the math works

The calculator uses a compound-decay model for monthly churn, not a simple linear projection. The exact formulas:

**Annual traders lost:**

```
annual_lost = num_traders × (1 − (1 − monthly_churn / 100) ^ 12)
```

This compounds the monthly churn rate over 12 months. A 10% monthly churn rate does not equal 120% annual churn (that would be impossible). It equals about 71.8% annual churn, because each month's churn applies to the survivors of the previous month's churn.

**Traders saved by reducing churn:**

```
reduced_monthly = monthly_churn × (1 − reduction / 100)
saved = annual_lost(original) − annual_lost(reduced)
```

**Annual replacement cost:**

```
replacement_cost = annual_lost × CAC
```

**Annual lost revenue (if LTV provided):**

```
lost_revenue = annual_lost × LTV
total_annual_loss = replacement_cost + lost_revenue
```

## What's behind these numbers

Some traders leave over your platform. Others leave after an emotional mistake (tilt, revenge trading, overleveraging). ~75% of retail traders quit within 90 days.

Discentra is built for the moment after a behavioural trigger: it places a phone call to the trader within 5 seconds. Coaching, not financial advice.

## Free review read

After running your numbers, you can ask for a free read of your firm's public reviews. We read your most recent one- and two-star reviews one by one and send you one page: what they show, and what they can't. No obligation.

## What we don't do

The calculator is not a substitute for your own data. We deliberately keep the inputs to four numbers so the result is directionally honest at the level of "is this a $50K problem or a $5M problem."

We do not provide financial advice, investment recommendations, or trading signals. The calculator measures retention economics, not investment returns.

Coaching, not financial advice.

## Related links

- [How It Works](https://discentra.ai/how-it-works)
- [Get in Touch](https://discentra.ai/get-in-touch)
- [What reviews can't show you](https://discentra.ai/churn-report)
- [Prop Firm Churn Statistics](https://discentra.ai/prop-firm-churn-statistics)
- [Privacy Policy](https://discentra.ai/privacy)

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This is a Markdown mirror of [https://discentra.ai/calculator](https://discentra.ai/calculator). Provided for LLM citation. © Discentra Ltd. Coaching, not financial advice.