Calculator
What are failed payments costing you?
Enter the failure rate and recovery rate from your Stripe Dashboard. See what is lost each month, and what a tool has to win back to pay for itself.
What that means
- Recovered today$250
- Added by a tool$50
- Still lost with a tool$200
Does a tool pay for itself?
| Tool | Must add | Net a year |
|---|---|---|
| Dunitymonthly · $348 a year | 5.8% | +$252 |
| Dunityyearly · $299 a year | 5% | +$301 |
| Churnkey Starterbilled yearly · $3,000 a year | 50% | −$2,400 |
Net uses your guess above. Failed payments only: Churnkey also does cancel flows and more, which this doesn’t count.
Dunity is $29 a month, flat. See how it works
Find your own numbers
Stripe already keeps the two you need.
In Stripe
Open the revenue recovery overview
Stripe tracks both numbers for you in its revenue recovery overview. Failure rate is the share of subscription payment volume that failed on the first attempt. Recovery rate is the share recovered by any means after a failure.
Pick the right month
Use a month whose retries have finished
Stripe says the recovery rate can look temporarily low for the current and previous month, because not every retry has been attempted yet. A month from two or more months back is the safer choice.
Here
Enter them with your monthly revenue
Stripe’s overview counts recurring subscription payments only, and leaves out the first payment after a trial. Use your monthly subscription revenue on the same basis.
How it is worked out
Plain arithmetic, so you can check it by hand.
- Failed each month
- Monthly revenue × failure rate
- Recovered today
- Failed each month × recovery rate
- Added by a tool
- Failed each month × the extra % you enter
- Must add to pay for itself
- The tool’s monthly price ÷ failed each month
- Net a year
- (Added each month − the tool’s monthly price) × 12
The Churnkey row uses its Starter price from Churnkey’s own pages; see Dunity vs Churnkey for what each one does. For a quick estimate without your own rates, the slider on the pricing page uses fixed example figures.
Calculator questions
What the numbers mean, and what they leave out.
How do I find my failure rate and recovery rate?
Both are in the revenue recovery overview in your Stripe Dashboard. Failure rate is the share of subscription payment volume that failed on the first attempt, and recovery rate is the share recovered by any means after a failure. Use a month whose retries have finished, since Stripe notes the latest two months can look low.
Why doesn’t the calculator say how much Dunity will recover?
Because Dunity is new and has no published recovery results yet, and inventing a rate would be a guess. The extra recovery is yours to set, and the calculator shows how much a tool has to add before it pays for itself.
Are the starting numbers typical?
No. They are round examples so the page has something to show, not benchmarks. Replace all four with your own.
Does this include Stripe’s own retries?
Yes, if you enter Stripe’s recovery rate, because Stripe counts recovery by any means, including its retries and emails. The extra % is what a new tool would win back on top of that, as a share of failed payments.
What does it leave out?
It counts the failed invoice only. A customer you keep pays again next month and the month after, so the real value of a recovered payment is usually higher than the calculator shows.
Which tools does the calculator compare?
Dunity’s monthly and yearly plans, and Churnkey’s Starter plan billed yearly ($250 a month), at the prices on their own pages, checked 30 September 2026. Churnkey also does cancel flows and more, which the list doesn’t count.