Free Tool
Most drivers can quote a rate. Fewer can say what a mile costs them. Move the sliders — about ninety seconds.
Your Break-Even Rate
$0.00/mi
covers the truck and nothing else
Where your floor sits. Anything left of the marker loses you money.
Your monthly note on the tractor. A paid-off truck still wears out, so keep the repair figure honest below.
Liability, cargo, physical damage and occupational accident. Your total monthly premium — divide by 12 if you pay it annually.
ELD, load boards, phone, parking, accounting, factoring, dispatch service — anything that bills you every month.
Monthly bills only. Plates, permits and UCR come once a year — those should come out of profit, not out of your rate.
An average week, not your best one. This slider moves your floor more than any other.
Your loaded average, not the sticker figure. Most day-cab tractors run 6–7.
What you actually pay at the pump after your fuel card discount, not the sign price.
Tires, oil changes, brakes, breakdowns. Use a full year’s receipts — a month or two won’t show you the breakdowns. Not sure? Most owner-operators land between $8,000 and $18,000.
Before tax, and before anything set aside for quarterlies. Leave it at $0 and you’re working for the truck.
Break-even covers the truck. It doesn’t pay you. Enter your email to see the rate that does, plus where every cent of a mile goes — and we’ll send it as a one-page sheet.
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Money Map for Truckers
45 minutes · $50 · with Gifted Financial Services
Knowing your rate tells you what to charge. It doesn’t tell you what to do with the money when it lands.
In a 45-minute session we go through your last few settlements, set up the accounts, and work out what share of every check goes to fuel, to the truck, to tax, to the repair fund and to you — so the annual bills are already covered when they arrive.
Book Your Money MapBring your bank statements. You’ll leave with the accounts set up and a number for each one.
Booking and the session itself run through Gifted Financial Services, our sister company.