Wallet churn rate calculator
Churn measured on wallets, not accounts. Enter one period and see what it compounds to over a year, and how long a wallet lasts at that rate.
One cohort, one period
Count a wallet as active if it transacted at least once in the period.
Retention curve at this rate
12 months, no reactivationEach bar is the share of today's active cohort still active in that month, if nothing changes.
Of the wallets active at the start of the month, this share did not transact again.
You added 980 wallets net this period, growth of 4.1% on the starting base. At this churn rate you must keep acquiring 3,120 wallets a period just to stand still.
Why wallet churn is not customer churn
A customer cancels; a wallet just stops. There is no cancellation event to count, so churn has to be defined as an absence of activity over a window you choose, and that choice changes the number more than anything else on this page.
Pick the window from your natural usage cycle. If a healthy wallet transacts weekly, a 30-day silence is a strong sign it has churned. If it stakes and waits, 30 days is nothing and you will scare yourself with a number that means very little.
The compounding is what hurts
A 6 percent monthly churn rate sounds survivable. Compounded, it means half your active base is gone in eleven months and 52 percent is gone within a year.
That is why the annual figure sits next to the monthly one above. Teams that only look at the monthly rate consistently underestimate how much acquisition they need to hold flat.
Churn and value are not evenly distributed
Wallet churn is usually worst in the long tail and mildest among your largest holders, which means a blended rate can look alarming while revenue barely moves, or look calm while your best cohort quietly leaves.
Run this per cohort: by size, by acquisition channel, by first action. The cohort with the worst churn and the highest revenue per wallet is where retention work pays for itself first.
Churn = Wallets that did not come back ÷ Active wallets at start × 100
Annual = (1 − (1 − monthly churn)^12) × 100