Owner-Operator Break-Even Calculator

Find the rate per mile you need to cover fixed costs, variable costs, factoring, and your desired monthly profit.

Inputs

Adjust the numbers, then save versions to compare side by side.

Core numbers

Truck Payment$momonthlyInsurance$momonthlyFuel EconomyMPGMPGFuel Price$galper gallonMiles Per MonthDesired Monthly Profit$Expected / Quoted RPMOptional$optionaloptional

More costs

Trailer Payment$momonthlyPermits & Compliance$momonthlyMaintenance Reserve$miper mileTire Reserve$miper mileFactoring Fee%%

Results

Current unsaved changes update instantly.

Monthly Fixed Cost$5,400.00

Variable Cost Per Mile$0.84/mi

Monthly Operating Cost$12,987.69

Break-Even RPM$1.49/mi

Required RPM for Desired Profit$2.17/mi

Profit at Quoted RPM$6,654.81

Profit Margin at Quoted RPM32.9%

Scenario Comparison

Saved on this device only. No account, no backend, and no sync across browsers.

Generated from TruckingNumbers.com scenario comparison.

Save the current calculator inputs to create your first comparison row. Then change fuel, miles, RPM, or costs and save another scenario.

Required RPM for Desired Profit

$2.17/mi

Profit at Quoted RPM

$6,654.81

Formula Breakdown

Monthly fixed cost = truck payment + trailer payment + insurance + permits and compliance.

Variable cost per mile = fuel price / MPG + maintenance reserve + tire reserve.

Break-even RPM = monthly operating cost / monthly miles, adjusted for factoring as a percentage of gross revenue.

Quoted RPM profit = quoted RPM revenue - factoring fee - monthly operating cost.

Frequently Asked Questions

What is break-even RPM?

Break-even RPM is the rate per mile needed to cover your operating costs before profit.

Why include quoted RPM?

Quoted RPM lets you compare the rate you need against a real offered load or expected average rate.