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Finance

Rule of 40 Checker

Growth rate + profit margin = SaaS health score.

Growth — best-in-class is 40+. Below 20 usually means CAC > LTV, gross margin too low, or growth has stalled.

Rule of 40 score
50
Healthy
Growth contribution
60%
Margin contribution
-10%
Gross margin
75%
healthy SaaS
What to improve

Keep this mix — you're in the top quartile.

AI explainer

Ask anything about your result

The math above is deterministic. AI explains what it means — it never recalculates the numbers.

About

The Rule of 40 says a healthy SaaS company's growth rate plus profit margin should exceed 40%. Public market investors use it as a quick screening test; private founders use it to balance growth and burn.

How it works

  1. 01Score = YoY revenue growth% + EBITDA margin%.
  2. 02≥ 60: top-tier (Snowflake, Datadog historically).
  3. 0340–60: healthy.
  4. 04< 40: needs better growth OR better margins.

Examples

Hypergrowth at a loss

60% growth, −10% margin = 50. Above the line — investors will tolerate the burn for the growth.

Mature SaaS

20% growth, 25% margin = 45. Boring? Maybe. But comfortably above 40, so the market rewards it.

FAQ

Growth = revenue growth or ARR growth?+
Either works — be consistent. Public companies use revenue; private SaaS often uses ARR.
Margin = EBITDA, FCF, or net income?+
Operating margin or FCF margin are most common. Avoid net income (taxes, one-offs distort the picture).
Does it apply to non-SaaS?+
It was invented for SaaS. Marketplaces and consumer can borrow the framework but should benchmark against their own peers.

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