Owner-operator resource hub
Owner-Operator Costs, Cash Flow & Taxes
A truck can gross strong revenue and still lose money. Use these calculators and checklists to know your break-even, manage cash flow, and keep the records your business needs.
Start with the numbers
Free calculators
Cost Per Mile Calculator
Free cost per mile calculator for owner-operators. Add fixed and variable costs to find your true break-even rate before you book a load.
Use calculatorLoad Profit Calculator
Free load profit calculator. Enter the rate, miles, and deadhead to see rate per mile, fuel cost, and net profit before you accept a broker's offer.
Use calculatorFactoring Fee Calculator
Free freight factoring calculator. Enter invoice amount and factoring rate to see the fee and the amount you actually receive.
Use calculatorOwner-Operator Salary Calculator
Free owner-operator salary calculator. Estimate annual gross, total costs, and take-home pay from your rate per mile and weekly miles.
Use calculatorReady to use
Templates & checklists
template
Trucking Invoice Template
Free trucking invoice template for owner-operators. The exact fields brokers need to process payment quickly and avoid billing delays.
checklist
IFTA Filing Checklist
Free IFTA filing checklist. The records and steps owner-operators need to file IFTA correctly each quarter and avoid penalties.
checklist
Owner-Operator Tax Deductions Checklist
Common owner-operator tax deductions to track all year. An educational checklist — confirm specifics with a trucking-savvy accountant.
template
Driver Trip Sheet Template
Free trip sheet template for owner-operators and drivers. Track miles, fuel, expenses, and settlement details for every load.
Learn the system
In-depth guides
Cost Per Mile Calculation for Truckers (With Real Numbers)
How owner-operators calculate their true all-in cost per mile — fixed costs, variable costs, and the salary line most drivers forget.
How Much Does It Cost to Start a Trucking Company?
A realistic startup cost breakdown for a one-truck owner-operator authority: formation, FMCSA filings, insurance, plates, permits, and working capital.