An overwhelming number of models in the literature use average interference for calculation of capacity of a CDMA network. In this paper, we calculate the actual per-user interference and analyze the effect of user-distribution on the capacity of a CDMA network. We show that even though the capacity obtained using average interference is a good approximation to the capacity calculated using actual interference for a uniform user distribution, the deviation can be tremendously large for non-uniform user distributions. We also present an analytical model for approximating the user distributions using 2-dimensional Gaussian distributions by determining the means and the standard deviations of the distributions for every cell. This allows us to calculate the inter-cell interference and the reverse-link capacity of the network. We compare our model with simulation results and show that it is fast and accurate enough to be used efficiently in the planning process of large CDMA networks.