# SaaS Finance Articles > Articles about SaaS Finance from Dodo Payments, including guides, insights, and best practices. - **URL**: https://dodopayments.com/blogs/category/saas-finance --- - [TCV vs ACV: SaaS Sales Math (with Examples and Pitfalls)](https://dodopayments.com/blogs/tcv-vs-acv-saas-sales-math): TCV vs ACV explained for SaaS founders. Definitions, when to use each metric, common pitfalls, and how multi-year contracts complicate the picture. - [Marginal Revenue for SaaS: Why the Next Customer Is Almost Pure Profit](https://dodopayments.com/blogs/marginal-revenue-saas-explained): Marginal revenue explained for SaaS founders. Formula, why SaaS marginal cost is near zero, and pricing implications when one more customer costs you almost nothing. - [DSO (Days Sales Outstanding): SaaS Formula, Benchmarks, and How to Cut It](https://dodopayments.com/blogs/dso-days-sales-outstanding-saas): DSO formula explained for SaaS founders. How to calculate days sales outstanding, what good looks like by billing model, and tactical ways to reduce it. - [Working Capital Formula for SaaS: Why Negative is Actually Good](https://dodopayments.com/blogs/working-capital-formula-saas): Working capital formula explained for SaaS. Why negative working capital is a feature not a bug for subscription businesses, with examples and benchmarks. - [Break-Even Point Formula for SaaS: How to Calculate It (with Examples)](https://dodopayments.com/blogs/break-even-point-formula-saas): Calculate your SaaS break-even point in customers, MRR, and months. Includes contribution margin math, CAC payback timing, and the unit economics version that matters most. - [Profit and Loss Statement: A Founder's Guide (with SaaS Template)](https://dodopayments.com/blogs/profit-and-loss-statement-template): How to read and build a P&L statement as a SaaS founder, with a SaaS-specific template covering MRR, gross margin, CAC, and the line items investors actually look at. - [Retained Earnings Formula: How to Calculate It (with SaaS Examples)](https://dodopayments.com/blogs/retained-earnings-formula): The retained earnings formula explained for SaaS founders - what it means, how to calculate it, and how dividend decisions and net losses change the balance over time. - [Accounts Receivable for SaaS: A Founder's Guide (with AR Aging and DSO)](https://dodopayments.com/blogs/accounts-receivable-saas-guide): Accounts receivable for SaaS - how to think about AR aging, DSO benchmarks, dunning workflows, and how MoR billing changes the AR collection picture entirely. - [SaaS Valuation: How Investors Value Software Companies](https://dodopayments.com/blogs/saas-valuation-multiples): Understand how SaaS companies are valued using revenue multiples, ARR, Rule of 40, and growth metrics. Learn what drives higher multiples and how to position for fundraising. - [Revenue Forecasting for SaaS: Models and Methods](https://dodopayments.com/blogs/revenue-forecasting-saas): Learn how to build a SaaS revenue forecasting model using MRR movements, cohort behavior, pipeline assumptions, and scenario planning that finance teams can trust. - [Rule of 40 for SaaS: What It Is and How to Calculate It](https://dodopayments.com/blogs/rule-of-40-saas): Learn what the Rule of 40 for SaaS means, how to calculate it, and how founders can improve the balance between growth and profitability. - [SaaS Burn Rate: How to Calculate Your Startup Runway](https://dodopayments.com/blogs/saas-burn-rate-runway): Learn how to calculate startup burn rate, translate it into runway, and connect revenue, gross margin, and cost planning to avoid running out of time. - [SaaS Gross Margin: How to Calculate and What Good Looks Like](https://dodopayments.com/blogs/saas-gross-margin): Learn how to calculate SaaS gross margin, which costs belong in cost of revenue, and what margin ranges are healthy for different stages of a software business. - [Deferred Revenue Explained: What SaaS Founders Need to Know](https://dodopayments.com/blogs/deferred-revenue-explained): Learn what deferred revenue means for SaaS, how it affects cash flow and reporting, and why founders should track it alongside billings, MRR, and revenue recognition. - [EBIT Formula: How to Calculate Earnings Before Interest and Taxes](https://dodopayments.com/blogs/ebit-formula-explained): Understand the EBIT formula for SaaS, how to calculate earnings before interest and taxes, and when founders should use EBIT instead of revenue or net income. - [Gross Revenue vs Net Revenue: What SaaS Founders Get Wrong](https://dodopayments.com/blogs/gross-revenue-vs-net-revenue): Learn the real difference between gross revenue and net revenue in SaaS, what should be deducted, and how Merchant of Record payouts change your reporting. - [Growth Rate Formula: How to Calculate Business Growth](https://dodopayments.com/blogs/growth-rate-formula): Learn the most useful growth rate formulas for SaaS, how to interpret them correctly, and which supporting metrics founders should track alongside growth. - [Net Profit Formula for SaaS: From Revenue to Real Earnings](https://dodopayments.com/blogs/net-profit-formula-saas): Understand the net profit formula for SaaS, which costs matter most, and how founders can move from top-line revenue to durable real earnings. - [Operating Margin Formula: How to Calculate and Benchmark](https://dodopayments.com/blogs/operating-margin-formula): A practical operating margin formula guide for SaaS founders. Learn how to calculate operating margin, benchmark it correctly, and improve it without slowing growth. --- **Dodo Payments** -- The billing & payments platform for AI-first companies. [Payments](https://dodopayments.com/payments) | [Billing](https://dodopayments.com/billing) | [Distribution](https://dodopayments.com/distribution) | [Pricing](https://dodopayments.com/pricing) | [Documentation](https://docs.dodopayments.com) | [Dashboard](https://app.dodopayments.com)