📋 Your Numbers
Enter the gross and miles, then each direct cost. The tool returns total costs, net, after-tax net, net per mile, and a line-by-line cost breakdown.
Total gross for the load, week, or settlement period.
Enter a gross greater than 0.
Miles run over the same period, used for net per mile.
Enter miles greater than 0.
Total fuel cost for the period.
Fuel cost must be 0 or more.
Truck or trailer payment for the period.
Truck payment must be 0 or more.
Insurance cost allocated to the period.
Insurance cost must be 0 or more.
Maintenance, tires, and repairs for the period.
Maintenance cost must be 0 or more.
Dispatch fee for the period, if you use a dispatcher.
Dispatch fee must be 0 or more.
Tolls, permits, parking, ELD, and any other direct costs.
Other costs must be 0 or more.
Percentage of the net you reserve for taxes (0–100).
Tax set-aside must be between 0 and 100.
Estimates only. This calculator provides estimates for informational purposes only and does not constitute financial, accounting, tax, or business advice. Results are based solely on the values you enter.
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Frequently Asked Questions
How are an owner-operator's true earnings calculated?
Start from the gross for the load or period, then subtract every direct cost: fuel, truck payment, insurance, maintenance, the dispatch fee, and any other costs. What is left is the net. The after-tax figure then applies your tax set-aside percentage to the net, so you can see roughly what remains once money is reserved for taxes.
What does the tax set-aside do?
The tax set-aside is the percentage of the net you choose to reserve for taxes. The tool multiplies the net by one minus that percentage to estimate what is left after setting tax money aside. It is a planning aid only — your actual tax depends on your deductions, entity type, and filing situation, so treat the after-tax figure as a rough reserve estimate rather than a tax calculation.
Is net per mile a recommendation about which loads to run?
No. Net per mile is simply the net divided by the miles, so loads of different lengths can be compared on the same footing. It is not advice on what to charge or which loads to accept — those depend on lane mix, equipment, and your own cost structure. The figures here are estimates for your own planning only.
Running dispatch like an operator?
Dispatcher Command keeps your gross, costs, dispatch fees, and owner-operator net in one workspace. Free to calculate. Built for dispatchers.
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