🍁 Monthly Revenue (CAD)
Total freight revenue received or settled this month, before any deductions.
Extra revenue this month — detention, tarping, layover, stop-offs. Leave blank to skip.
🛣️ Monthly Distance — optional
Paid / loaded km this month. Enables cost per loaded km and profit per loaded km.
Total km driven including empty / deadhead. Enables cost per total km.
💸 Monthly Costs (CAD)
Total diesel cost for the month. Enter your actual spend.
Monthly truck loan payment or lease amount.
Commercial trucking insurance premium for the month.
Actual repairs plus any monthly maintenance reserve you set aside.
Tire costs or monthly reserve for tires.
CVOR, NSC, IRP, plates, and other licensing — enter as a monthly portion.
ELD, load board, TMS, and other monthly tech costs.
Truck washes, weigh scales, tolls, and parking for the month.
⚙️ Dispatcher & Factoring Fees
If you factor your receivables, enter the fee as a percent of gross revenue. Leave blank or 0 if not applicable.
📋 Other Costs
Health benefits, phone, accounting, or any other fixed monthly cost not listed above.
Any other variable cost for the month not captured above.
Net Monthly Profit
—CAD
gross revenue minus total costs, based on the numbers you entered
Profit Margin
—%
net profit as a share of gross revenue
Gross Revenue
—
Total Costs
—
Dispatcher Fee
—
Factoring Fee
—
Cost / Loaded KM
—
Profit / Loaded KM
—
Revenue / Loaded KM
—
Cost / Total KM
—
📄 Cost Breakdown
Planning estimate only — not financial, tax, accounting, or legal advice. This tool does not calculate income taxes, GST/HST, CRA obligations, CPP/EI, IFTA, depreciation, CCA, carbon levy, or any government fee or rate. This is not an official financial statement. Verify all figures with a licensed accountant.
Advertisement — 728×90
Checking a single load? Use the Canadian Load Profitability Calculator for per-load net profit, margin, and break-even rate.
Need your cost per km? Use the Canadian Owner-Operator Cost Per KM Calculator to build your fixed, fuel, and maintenance rate floor.
Finding your minimum rate? Use the Canadian Owner-Operator Break-Even Rate Calculator for the rate per loaded km you must beat.
Breaking down a single settlement? Use the Canadian Freight Settlement Breakdown Calculator for itemized deductions on one load.
Need your cost per km? Use the Canadian Owner-Operator Cost Per KM Calculator to build your fixed, fuel, and maintenance rate floor.
Finding your minimum rate? Use the Canadian Owner-Operator Break-Even Rate Calculator for the rate per loaded km you must beat.
Breaking down a single settlement? Use the Canadian Freight Settlement Breakdown Calculator for itemized deductions on one load.
How monthly owner-operator P&L is estimated
A load rate tells you what one trip pays. Your monthly P&L tells you whether the business is making money. This estimator puts your entire month on one page: every dollar that came in and every dollar that went out, converted to a net profit, margin, and — if you track kilometres — a cost per km figure that shows how efficiently you are running.
The calculation is straightforward arithmetic on the numbers you enter. Gross revenue is your freight earnings plus any accessorial or detention revenue. Total costs are every expense line added together, including the dispatcher fee and factoring fee computed from your rate and mode. Net profit is what is left. Nothing is fetched, assumed, or hardcoded — no income tax, GST/HST, CRA obligation, CPP/EI, IFTA, depreciation, carbon levy, or government rate is calculated.
| Figure | Formula |
|---|---|
| Gross revenue | freight revenue + accessorial revenue |
| Dispatcher fee (% mode) | gross revenue × dispatcher % ÷ 100 |
| Dispatcher fee ($ mode) | entered flat CAD amount |
| Factoring fee | gross revenue × factoring % ÷ 100 (if entered) |
| Total costs | sum of all cost lines including dispatcher fee and factoring fee |
| Net monthly profit | gross revenue − total costs |
| Profit margin | net profit ÷ gross revenue × 100 |
| Cost per loaded km | total costs ÷ loaded km (if km entered) |
| Profit per loaded km | net profit ÷ loaded km (if km entered) |
| Cost per total km | total costs ÷ total km (if km entered) |
Run it at the end of each month with your actual figures to see where the money went. The cost breakdown shows each category as a dollar amount and as a percentage of gross revenue, so you can see at a glance whether fuel, dispatcher fees, or truck costs are taking the largest share.
Frequently Asked Questions
What does this monthly P&L estimator calculate?
It estimates your monthly net profit and loss as a Canadian owner-operator in CAD. You enter your gross monthly freight revenue, any accessorial or detention revenue, and every monthly cost line — fuel, truck payment or lease, insurance, maintenance, tires, permits and licensing, ELD and software, parking and tolls, dispatcher fee, factoring fee, and any other fixed or variable costs. It returns net monthly profit, profit margin, a full cost breakdown by category, and — if you enter kilometres — cost per loaded km, profit per loaded km, and revenue per loaded km. All inputs are user-entered; nothing is hardcoded.
How is the dispatcher fee calculated?
The dispatcher fee field has two modes you select: percent of gross revenue, or flat CAD. In percent mode, the fee is your gross monthly revenue multiplied by the percentage you enter — for example, 10% on $12,000 gross is $1,200. In flat mode, you enter the dollar amount directly. The fee is then included in your total monthly costs. Leave the field at 0 if you do not use a dispatcher.
Does this tool calculate income taxes, GST/HST, CRA obligations, or CPP/EI?
No. This tool does not calculate income taxes, GST/HST, CRA T1 or T2 obligations, CPP contributions, EI premiums, CCA depreciation schedules, carbon levy, IFTA fuel tax, or any government fee or rate. It is a planning estimate for your monthly business operating profit and loss based only on the cost figures you enter. Verify all tax, remittance, and regulatory obligations with a licensed accountant.
How is this different from the Canadian Load Profitability Calculator?
The Canadian Load Profitability Calculator is for a single load — you enter what one load pays and what it costs to run, and see whether that load makes or loses money. This monthly P&L estimator aggregates your entire month: total gross revenue from all loads, and every monthly operating cost including dispatcher fee and factoring. It shows your overall monthly business health rather than the profitability of one trip.
What are the monthly kilometre outputs used for?
If you enter loaded kilometres for the month, the tool calculates cost per loaded km, profit per loaded km, and revenue per loaded km for the month as a whole. These let you compare your monthly operating efficiency against your per-load or per-km rate targets. They are optional — leave them blank if you only need the dollar-level P&L figures.
Tracking your numbers every month?
QuicklyFig is building Canadian trucking and freight tools. Free to calculate. Pro to save your monthly P&L figures and track trends in your Owner-Operator Command.
Join the waitlist