Vibe-Coded SaaS Economics & Technical Debt Simulator

D3 Unit Economics Engine v2.4

Micro-SaaS Archetype

Growth & Monetization

Initial Users (Month 1) 150

Monthly Price / User ($) $19

Monthly Growth Rate (%) 20%

Monthly Customer Churn (%) 6.0%

AI API & Code Debt

Daily Tokens / Active User 25k

API Cost / 1M Tokens ($) $0.30

Vibe Code Churn Velocity 0.65

Models prompt bloat, missing tests & continuous patching overhead multiplier over 24 months.

Month 12 MRR $4,820 Gross Monthly Revenue

Month 12 Net Margin 54.2% After Tokens & Maintenance

Break-Even Month Month 2 Net Cumulative Cash Positive

Code Debt Refactor Risk Month 9 Maint overhead > 35% MRR

24-Month Lifetime Profit $68,450 Cumulative Retained Earnings

24-Month Financial Trajectory vs Code Debt Friction

MRR

AI Token Bill

Code Refactor Cost

Refactoring & Unit Economics Analysis

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