Free Trucking Calculators
for Owner-Operators

Built for Owner-Operators and Small Fleets

The most common financial blind spot for owner-operators isn't accepting a bad load — it's not knowing what their actual cost per mile is. If you're running $1.85/mile all-in and taking freight at $2.10, that's $0.25/mile profit. If your real cost is $2.05, you're making $0.05. Those two scenarios look identical from the cab, which is why the math matters before the rate negotiation, not after.

These 10 calculators cover the cost questions that come up most on every run:

• Cost Per Mile — your true all-in operating cost spread across annual miles, fixed and variable.
• Load Profit — compare loads by actual margin, not rate per mile — deadhead included.
• Fuel Cost — total diesel for a run, with an optional reefer fuel field.
• Deadhead Cost — what empty miles cost in real dollars, not just lost revenue.
• Monthly Profit — gross revenue minus all monthly expenses to see what you're actually taking home.
• Truck Loan — monthly payment, total interest, and full loan cost for any financing scenario.
• Factoring Fee — advance amount, reserve, and monthly cost before you sign a factoring agreement.
• Insurance Estimate — a budget number across all coverage types for cash flow planning.
• IFTA Estimate — quarterly tax position estimate for budgeting, not for official filing.
• Reefer Fuel Cost — what the refrigeration unit burns on a trip, separate from truck fuel.

All 10 tools run in your browser. Nothing you type goes to a server, gets logged, or requires an account. Close the page and the inputs are gone.

Results are estimates based on what you enter. For tax, legal, or insurance decisions, use a qualified professional. See the Methodology page for how each formula works, or the About page for where the default values come from.