ROI calculator · live math · no signup
See your savings with PAID
Plug in your ARR, your average contract value, and your ACH adoption. We'll show you the annual delta vs Stripe Billing, Bill.com, Tipalti, or your current platform. No signup, no email gate.
Run the math on your numbers
Move the sliders — the savings figure updates live. Nothing leaves your browser until you press Email this.
How we computed this
Every number above comes from one pure-math module
($lib/marketing/roi-math.ts), backed by unit tests. No
rounding tricks, no "up to" hedging. Procurement can diff the rate
tables in a single file.
Show the formulas and rate tables
The formula
annual_invoices = round(ARR / ACV)
ach_invoices = round(annual_invoices × ACH_share)
card_invoices = annual_invoices − ach_invoices
card_volume = ARR × (1 − ACH_share)
ach_volume = ARR × ACH_share
current_card_fees = card_volume × current_card_bps / 10,000
+ card_invoices × current_card_fixed
+ card_invoices × current_per_bill_fee
current_ach_fees = ach_volume × current_ach_bps / 10,000
+ ach_invoices × current_ach_fixed
+ ach_invoices × current_per_bill_fee
current_platform = current_monthly_flat × 12
current_total = card_fees + ach_fees + platform
paid_card_fees = card_volume × paid_card_bps / 10,000
+ card_invoices × paid_card_fixed
paid_ach_fees = ach_volume × paid_ach_bps / 10,000
+ ach_invoices × paid_ach_fixed
paid_platform = paid_monthly_flat × 12
paid_total = card_fees + ach_fees + platform
annual_savings = current_total − paid_total ← may be negative; we say so.
Rate tables (verbatim)
PAID Starter
- Card: 2.5% + $0.25
- ACH: 0.30% + $0.05
- Platform: $0/mo
PAID Growth
- Card: 2.3% + $0.25
- ACH: 0.25% + $0.05
- Platform: $499/mo
Stripe Billing
- Card: 2.9% + $0.30
- ACH (GTM-kit anchor): 2.9% + $0.30 — Stripe Billing's subscription configurations commonly bill card-equivalent rates on the ACH share.
- ACH (published baseline): 0.8% capped at $5/tx — Stripe's published direct-charge rate. Toggle this branch in the calculator's "Stripe ACH baseline" radio group; tests regression-lock this baseline so the editorial choice can never silently inflate the headline.
- Platform: $0/mo
Bill.com
- Card: 2.9% + $0.30 + $0.49 per bill
- ACH: $0.49 per bill
- Platform: $60/user/mo (1 finance user)
Tipalti
- Card: 2.9% + $0.30 + $1.50 per payment
- ACH: $1.50 per payment
- Platform: $129/user/mo (1 finance user)
Chargebee
- Card: 2.9% + 0.6% Chargebee overlay + $0.30
- ACH: same overlay applies
- Platform: $0/mo (subscription overlay)
Honest-math guard rails
- All arithmetic runs on integer cents so multi-million-dollar inputs don't drift.
- When PAID is more expensive in your scenario (e.g. low ARR with no ACH on the Growth tier) we say so — the savings numeral turns amber and the payback line reads "N/A — PAID is more expensive in this scenario".
- ACH share is clamped to 0–90% and ARR / ACV to the slider ranges so the math stays meaningful even if a value sneaks in via URL.
- Full pricing breakdown →
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