Owner Operator Cash Flow Calculator
Use this free owner operator cash flow calculator to see your net per month, net per mile and break even rate per mile after fuel, insurance, maintenance, factoring, driver pay and your truck payment. Enter your own numbers, or tap the example button to see how it works.
Enter revenue per mile and miles per month to see your net. Results update as you type.
| Item | Per month | Per mile | % of revenue | Share of costs |
|---|
Soft pull only, no hard pull. Approval typically in up to 36 hours. Lowest credit score we work with is 620, with 640 preferred.
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For illustration only. Not tax, legal or financial advice, and not a quote or an offer to lend. Results are before income tax, self employment tax and depreciation. Everything runs in your browser and nothing you type is sent or saved.
How to use the owner operator cash flow calculator
- Enter revenue and miles. Add your revenue per mile and miles per month. Use your settlement for a real number.
- Add your costs. Enter your truck payment, fuel economy and fuel price, insurance, maintenance, tolls, permits and ELD, plus factoring and driver pay if they apply.
- Read your results. See net per month, net per mile, your break even rate per mile and how much of your revenue the truck payment takes.
- Test a different truck payment. Try a new payment, or use the truck loan calculator to see what a truck price, down payment and term would cost, then bring it back here.
Owner Operator Cash Flow Calculator FAQ
What is an owner operator cash flow calculator?
An owner operator cash flow calculator shows how much money is left each month after the costs of running your truck. You enter revenue per mile, miles and your costs, and it returns net per month, net per mile, your break even rate and a cost breakdown.
How do I calculate owner operator cash flow?
Multiply revenue per mile by miles per month to get monthly revenue. Subtract fuel, insurance, maintenance, tolls and permits, factoring fees, driver pay and your truck payment. What is left is your net cash flow for the month, before income tax.
How do I know if I can afford a truck payment?
Enter the payment in this owner operator cash flow calculator and check your net per month and the payment share of revenue. Then lower your revenue per mile or miles a little to see if the numbers still work, and use the truck loan calculator to test different prices, down payments and terms.
Does the owner operator cash flow calculator include taxes?
No. Results are before income tax, self employment tax and depreciation, so set money aside for those and talk to your tax preparer. If you pay a driver or use factoring, add them in the optional fields so your net is not overstated.
Is this owner operator cash flow calculator free, and does it check my credit?
It is free and runs in your browser, so nothing you type is sent or saved and your credit is not checked. If you apply with us for truck financing, we use a soft pull only, with no hard pull. The lowest credit score we work with is 620, 640 is preferred, and approval is typically up to 36 hours.