In the previous researches, the RFM stochastic model usually combined recency (time of most recent purchase) and frequency (number of prior purchases) to estimate customer lifetime value. There are less studies only focus on monetary index to count customer contributions. This paper proposes a monetary perdition based on Markov transition matrix. First, we classify the monetary of customer transactions on different levels. Secondly, according to the proportions of every transferring level on total transaction amount, we can obtain the transition probability. Finally, the matrix of transition probability can be used to forecast the probability of customer transferring his transaction to another level. The results indicate that the normal customers show more tendency than high contribution customer to transfer their levels from low monetary amount to high monetary amount. And normal customers also have high probability of staying in the same status than the customers of high contribution. This research proposes the model of Markov transition matrix instead of traditional cluster method to describe the dynamic process of customer transaction. The framework of modeling customer contribution can provide marketing managers to segment customer.