Free tool · 3 numbers · instant result
Enter your ad spend, the revenue those ads brought in and your gross margin. You get your ROAS, the break-even ROAS your margin demands, and whether the ads actually paid for themselves. No email needed to see the result.
Built for SaaS and fintech teams, where the sale often lands months after the click. Why that matters: ROAS vs CAC. Planning spend before launch? Use the Google Ads cost calculator.
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Your result
You get your numbers, break-even ROAS for every margin from 20% to 90%, and the 2026 Google Ads benchmarks for finance and business services, with the source. We’ll ask you to confirm your email first, then send it. That is the only email you’ll get, unless you tick the box below.
Return on ad spend is the revenue your ads brought in divided by what you spent on them. Break-even ROAS is the ROAS at which the gross profit from that revenue exactly covers the ad spend. It depends on one thing: your gross margin.
ROAS = revenue from ads ÷ ad spend
Break-even ROAS = 1 ÷ gross margin
Gross profit after ad spend = (revenue × gross margin) − ad spend
Worked example. You spend $10,000 and the ads bring in $32,000 at a 70% gross margin. ROAS is 32,000 ÷ 10,000 = 3.2x (320%). Break-even ROAS is 1 ÷ 0.70 = 1.43x. The revenue carries $22,400 of gross profit, so after the $10,000 of ads you keep $12,400. The same 3.2x at a 30% margin would lose money, because break-even there is 3.33x.
| Gross margin | Break-even ROAS | As a percentage |
|---|---|---|
| 20% | 5.00x | 500% |
| 30% | 3.33x | 333% |
| 40% | 2.50x | 250% |
| 50% | 2.00x | 200% |
| 60% | 1.67x | 167% |
| 70% | 1.43x | 143% |
| 80% | 1.25x | 125% |
| 90% | 1.11x | 111% |
The emailed sheet runs in 5% steps and adds the 2026 Google Ads benchmarks.
The formula assumes the sale happens soon after the click and its value is known. B2B SaaS and most fintech products break both assumptions, so read the result with three things in mind.
This is why we report CAC payback and sourced pipeline rather than a ROAS multiple. The full argument is in ROAS vs CAC: why ROAS misleads in B2B SaaS. If you advertise a regulated product, the ad account risk scorecard checks the other thing that stops ads paying back: disapprovals and suspensions.
There isn’t one number. A good ROAS is one above your break-even ROAS, and that depends on your gross margin: 2.0x at a 50% margin, 1.25x at 80%. A 3x ROAS that looks healthy loses money at a 30% margin, where break-even is 3.33x.
Divide 1 by your gross margin written as a decimal. At a 75% margin, break-even ROAS is 1 ÷ 0.75 = 1.33x, or 133%. Below that, the gross profit from the ads doesn’t cover what they cost.
Divide the revenue your ads brought in by what you spent on them. $32,000 of revenue from $10,000 of spend is a ROAS of 3.2x. Multiply by 100 for the percentage form Google uses in Target ROAS bidding, 320%.
No. ROAS divides revenue by ad spend and ignores every other cost. ROI takes costs out first. The “gross profit after ad spend” figure above sits between the two: it removes the cost of delivering the product and the ads, but not salaries, tools or fees.
Usually because the platform only counts revenue inside its conversion window, and on a subscription that is the first month or two of a customer worth years. Judge subscription spend on CAC payback, which the calculator estimates for media when you pick First month of a subscription.
No. The result shows on screen. The email is only if you want the result and the benchmark sheet sent to you, and the newsletter is a separate box you can leave unticked.
Want the numbers behind your ROAS checked? The Acquisition Audit reviews your paid accounts, finds the tracking gaps that make ROAS unreliable, and costs a 90-day plan. US$2,500, fixed. Or book a 20-minute fit call first.