Projected Economics.
SCGK & Co’s projected economics across twelve months — built on a $1.99 monthly subscription, low customer-acquisition cost, and scalable digital delivery.
Pricing & Revenue Assumptions
Subscription Price
$1.99
per month
Annual Value per User (ARPU)
$23.88
per year
Stripe Fee
2.9% + $0.30
per transaction
Net Revenue per User
~$1.63
per month
User Growth Assumptions
| Month | New Users | Total Users | Monthly Revenue |
|---|---|---|---|
| 1 | 50 | 50 | $99.50 |
| 2 | 100 | 150 | $298.50 |
| 3 | 150 | 300 | $597.00 |
| 4 | 200 | 500 | $995.00 |
| 5 | 300 | 800 | $1,592.00 |
| 6 | 400 | 1,200 | $2,388.00 |
| 12 | 1,000 | 5,000 | $9,950.00 |
User base compounds to 5,000 members by month 12 at $1.99/month.
Churn & Retention
3–5%
Monthly Churn
Industry standard for financial-wellbeing apps
95–97%
Monthly Retention
Sustained across the subscriber base
70–75%
Annual Retention
Consistent with disciplined subscription cohorts
A deliberately lean operating base.
Fixed Costs
- Base44 website$0–$20 / month
- Hosting & infrastructure$20–$50 / month
- Email & support tools$10–$30 / month
Variable Costs
- Stripe fees
- Optional analytics tools
- Optional marketing spend
Total monthly operating cost: ~$100–$200
Break-even at ~120–150 users.
Projected monthly P&L at 5,000 users:
Gross Revenue
$9,950
Stripe Fees
~$1,450
Operating Cost
~$200
Net Profit
~$8,300 / month
CAC & LTV
CAC — Organic
$0.50–$1.00
SEO + content strategy
CAC — Paid (Optional)
$3–$6
Optional paid acquisition
LTV
~$322
$23.88 ARPU × 0.75 retention × 18-month lifetime
LTV / CAC
322:1
Organic. Paid: ~50:1. Exceptionally strong.
12-Month Projection
5,000
Users
~$120,000
Annual Revenue
~$100,000
Annual Net Profit
~83%
Operating Margin
This financial model presents forward-looking projections based on stated assumptions. Projections are not a guarantee of performance. Actual results may differ materially. Prepared September 2026 for due-diligence purposes.