calculator
Free Embedded Finance ROI Calculator
Model the 3-year ROI of adding embedded payments, lending, or banking to your platform. Compares Build (your own infrastructure) vs Buy (BaaS partner like Unit, Treasury Prime, or Synapse). Inputs: monthly active users, attach rate, revenue per attached user, BaaS rev share, build cost. Outputs: revenue uplift, ARPU lift, breakeven month, partner cost vs build cost.
Inputs
Results
BaaS: 3-Yr Net Revenue (After Rev Share)
$8,362,285
In-House: 3-Yr Net Revenue (After Ops)
$9,025,054
Build Advantage Over BaaS
$662,769
Build Breakeven Month
15
Attached Users at Month 36
69,175
Blended ARPU Lift (Monthly)
$1
Month 36 Monthly Net Revenue (Build)
$765,097
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About the Author
David Shadrake
David Shadrake works on strategic business development and tech partnerships, with focus areas across AI, fintech, venture capital, growth, sales, SEO, blockchain, and broader tech innovation. Read more of his perspective on partnerships, market dynamics, and emerging technology at davidshadrake.com.