Free tool

Unit economics by vertical

CAC, LTV and revenue calculators tuned to the vertical you actually run. Defaults are KZ-realistic; the math is the kind your CFO would actually accept.

Acquisition

Spend per new user

CAC

₸

Horizonfintech is usually 36 mo

Loans

main LTV driver for fintech

Loan adoption

0–1

Avg ticket

₸

Net margin

0–1

Default rate

0–1

Deposits

silent but powerful LTV multiplier

Deposit adoption

0–1

Avg balance

₸

Net Interest Marginannual

0–1

Transfers

small fee × frequency

Transfer adoption

0–1

Transfers / month

Fee per transfer

₸

Payments (card, QR)

interchange × volume

Payment adoption

0–1

Payments / month

Avg payment ticket

₸

Interchange

0–1

These are simplified models for sanity-checking decisions and benchmarking. They aren't a substitute for a full financial model — but they catch the obvious mistakes (ignoring logistics in e-commerce, ignoring NIM in fintech, expecting 6-month payback in insurance).