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MICRO-SAAS ECONOMICS

AI Micro-SaaS Break-Even Calculator

Separate MRR from payment fees, AI/API usage, hosting, support and founder time. Pricing verified 2026-09-10 from Stripe and Hostinger AI Builder.

Adjust this estimate
MRR$475.00$5700.00 run-rate ARR
Variable cost$204.19$10.83 contribution/customer
Cash profit$186.81
Full economic profit$-133.19after founder time
Cash break-even8 customers
Full-cost break-even38 customers

This model uses Stripe's standard 2.9% plus $0.30 domestic card fee. Your actual stack may use different hosting, AI APIs, support, tax, refund and chargeback assumptions.

DECISION TOOL

AI Micro-SaaS Break-Even Calculator

A micro-SaaS can look profitable if you count only MRR. This calculator adds payment fees, AI/API usage, hosting, support and founder time so the real break-even point is harder to hide.

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Assumptions to check before trusting the result

Payment fees, usage cost and support time scale with customers. Fixed software, hosting and marketing do not. Founder time is separated so you can see both the cash result and the full economic result.

The default inputs are planning placeholders. Replace them with your actual AI provider, hosting, support and acquisition costs before deciding whether to build or continue a product.

How to use the result

If cash profit is positive but full economic profit is negative, the product may be worth testing but not yet worth scaling. If contribution per customer is low, improve pricing or reduce variable usage before buying more traffic.

This is the natural calculator for the first Build & Earn micro-SaaS experiment: can a small AI-built tool earn back what it cost to build?

Sources and corrections

Official sources: Stripe pricing and Hostinger AI Builder pricing. AI/API, hosting, support and acquisition costs are user assumptions unless you replace them with a verified provider quote. Report a correction with the official source and date.