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🗓️ Last updated: May 2026·Calculation assumptions shown below
Logistics Calculator

🛣️ Per Mile Cost Calculator

Know your exact cost per mile before you negotiate. Fixed costs + fuel + maintenance + insurance = your true floor.

🚛 Fixed Costs (Monthly)
⛽ Variable Costs (Per Mile)
Total Cost Per Mile
—/mile
your true operating cost
Minimum Rate Per Mile
—/mile
cost + target profit
Fixed Cost/Mile
—
Fuel Cost/Mile
—
Variable (non-fuel)/Mile
—
Monthly Fixed Total
—
Monthly Revenue Needed
—
Annual Revenue Target
—
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Frequently Asked Questions

Is the Per Mile Cost Calculator for Owner-Operators & free to use?
Yes — completely free with no account required. All QuicklyFig calculators are funded by display advertising so you never pay to use them.
How accurate are these results?
Results are based on industry-standard formulas and current benchmarks. They are estimates for planning and decision-making purposes. Verify with professionals or suppliers for binding commitments.
Can I save or share my calculation results?
Use the 'Email My Results' button to send your calculation directly to your inbox. You can also print any page from your browser with Ctrl+P (Windows) or Cmd+P (Mac).

2026 Cost Per Mile Benchmarks

ATBS benchmarks show owner-operators averaged $1.85-$2.40 per mile in total all-in operating costs in 2026. This includes fuel ($0.58-0.65), insurance ($0.18-0.28), truck payment ($0.20-0.40), maintenance ($0.15-0.25), and fixed costs ($0.20-0.35). New authority operators with newer equipment typically run $2.00-$2.40/mile in their first year.

Your cost per mile is your floor — every load paying less than your CPM is a guaranteed loss regardless of gross rate. Recalculate it quarterly or whenever a major cost changes: new insurance rate, truck paid off, diesel price shift of $0.30+.

If your CPM is significantly above $2.40, identify which line item is driving it. Insurance above $0.30/mile, maintenance above $0.30/mile, or fuel above $0.68/mile are the most common outliers worth addressing first.