Owner-Operator Profit Calculator
Built for lease purchase drivers, owner-operators leased on with a carrier, and hot shot truckers running their own authority. Real net profit, every load, every time.
- Full lease purchase expense model
- Truck + trailer payment split across loads
- Dispatch, factoring, escrow, deductions
- Free — Pro adds load history & tracking
Most owner-operator calculators stop at rate per mile. Ours goes the whole way: truck payment, trailer rent, insurance, maintenance escrow, dispatch fee (% or flat), factoring fee (% or flat), tolls, lumper, parking, scale, and any other deduction your carrier hits you with. The result is honest net profit and profit per mile.
Built specifically for the way lease purchase drivers and owner-operators actually get paid — including the option to split your weekly truck payment across the number of loads you typically run, so a slow week doesn't make every load look unprofitable.
Use it before you say yes to dispatch. Save loads to the Pro plan to track profit weekly and monthly, manage multiple trucks, and finally see where your money actually goes.
Frequently Asked Questions
What does an owner-operator calculator do?
It runs the full profit math for an owner-operator or lease purchase driver: gross pay, fuel, truck and trailer payments, insurance, escrow, dispatch and factoring fees, and other deductions — then shows real net profit and profit per mile.
How much do owner-operators take home per mile?
After all expenses, most lease purchase drivers take home $0.30–$0.65 per mile. Established owner-operators with paid-off equipment can clear $0.80+/mi. Hot shot drivers vary widely — $0.40 to $1.00/mi depending on setup and lanes.
Is lease purchase trucking actually profitable?
It can be — but only if you run every load through the math. Lease purchase drivers fail most often because they accept cheap freight to keep the wheels turning. Knowing your break-even rate per mile is the difference between making money and slowly losing your truck.
Does this work for company drivers?
Yes, partially. Company drivers can use it to check rate per mile and fuel cost on offered loads, but the truck payment and insurance sections won't apply. It's built primarily for owner-operators, lease purchase drivers, and hot shot truckers.
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Run the numbers before you roll.
Free to use. No signup required to try it.