Owner-Operator Cost Calculator

Monthly cash planning across every business mile, including deadhead

Enter your monthly budget. Target Rate per Mile is per loaded mile; other per-mile results use loaded + deadhead miles. Example inputs are editable; weekly and annual values project the same monthly budget.

Revenue per total mile (RPM)
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Gross freight revenue ÷ all business miles
Business cost per total mile (CPM)
—
Operating costs, reserves, and carrier fee
Target Rate (Target RPM)
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Per loaded mile; covers all expenses
Monthly gross revenue
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Weekly estimate
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Annualized revenue
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Monthly business budget
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Weekly estimate
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Annualized budget, annual fees included once
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Monthly cash before owner draw
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After costs, reserves, and net escrow; before income taxes
Weekly estimate
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Cash available per total business mile
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Monthly cash after owner draw
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Before income taxes; negative means a funding shortfall
Weekly estimate
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📍 Miles & Revenue
$

Multiply the target rate by loaded miles for your monthly gross revenue target.

$

Enter your average monthly rate per loaded mile. Revenue updates automatically.

🚫 Deadhead Miles / Empty Miles
%
Enter deadhead miles to see status
Total Miles (loaded + deadhead)
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All business miles; personal travel excluded
Monthly deadhead running cost
—
Fuel + DEF + your maintenance reserves, already in the budget
—

The loaded-mile target includes fuel and reserves for deadhead miles. With loaded miles unchanged, extra deadhead costs raise the target.

📋 Monthly Fixed Costs
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$
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📅 Annual / Recurring Costs  (divided by 12 for monthly CPM)
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⛽ Fuel
$
$
Monthly fuel + DEF — Weekly estimate — Per total business mile —
🔧 Maintenance & Tire Reserves

Your reserve rates apply to every business mile, loaded or empty. Sample rates are illustrative.

$
Monthly budget: —
$
Monthly budget: —
$
Monthly budget: —
🏢 Carrier Fee
%

This percentage applies to the full revenue entered above, not a different contract revenue base. Hired-driver pay sets it to 0%; switching back restores the 12% base, which you can edit.

➕ Additional Operating Costs
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$

Enter 0.60 for 60¢ per mile. Pay uses loaded + deadhead miles. A positive rate sets owner draw, escrow, and carrier fee to zero.

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$
$
💵 Owner Draw & Refundable Escrow
$

Your planned personal withdrawal, separate from business costs.

$
$

Money returned from escrow, or applied directly to an expense already included above. Enter 0 if none was released or used this month; do not count the same release twice.

Net escrow contribution: —. Contributions reduce available cash; releases increase it. Escrow is separate from revenue and operating costs. Previous escrow entries return when hired-driver pay is switched off.

Monthly Business Cost Breakdown
Click or tap a row to see itemized costs. Use Enter or Space with a keyboard.
Share of costs + draw (%)