Your month
The four numbers everything else is built on.
Fixed costs
Per month. You pay these whether the wheels turn or not. Truck and trailer payments differ if you lease.
| Cost item | Owned / financed | Leased | $ / mi owned | $ / mi leased |
|---|---|---|---|---|
| Truck payment | $ |
$ |
— | — |
| Trailer payment | $ |
$ |
— | — |
| Insurance | $ |
— | — | |
| Permits, plates & heavy tax | $ |
— | — | |
| ELD & software subscriptions | $ |
— | — | |
| Health & business insurance | $ |
— | — | |
| Accounting / tax prep | $ |
— | — | |
| Safety / compliance | $ |
— | — | |
| Total fixed costs | — | — | — | — |
Variable costs
These scale with the miles you run. Same for owned and leased trucks.
| Cost item | Your rate | $ / mi | $ / month |
|---|---|---|---|
| Fuel | auto: mi ÷ MPG × $/gal | — | — |
| Maintenance & repairs | $/mi |
— | — |
| Tires (replacement fund) | $/mi |
— | — |
| Driver pay / self-salary | $/mo |
— | — |
| DEF, oil & fluids | $/mi |
— | — |
| Tolls & scale fees | $/mi |
— | — |
| Factoring fee | % of gross |
— | — |
| Dispatch service | % of gross |
— | — |
| Total variable costs | — | — |
Factoring and dispatch are charged as a percentage of your monthly gross, then converted to a per-mile cost.