How is this different from the Load Profit Calculator?

Load Profit looks at a single load in isolation. This calculator looks at your whole business for the month — total gross revenue across every load, minus every expense — to give you a business-level profit and margin, not a per-load one.

Should I use monthly or weekly numbers?

This calculator is built around monthly figures, since most fixed costs (truck payment, insurance) are billed monthly. If you track weekly, multiply weekly numbers by roughly 4.33 to estimate a monthly figure, or track a full month before using this tool for the most accurate result.

Why are dispatch and factoring fees optional here?

Not every owner-operator uses a dispatch service or factoring company. Leave these blank if they don't apply — the calculator treats a blank fee field as 0%, not as a missing/invalid input.

What does the optional monthly miles field do?

If you enter your total monthly miles, the calculator also shows your total expenses as a cost per mile — a quick cross-check against the more detailed Cost Per Mile Calculator.

Owner-Operator Profit Calculator

Estimate monthly and annual business profit from your gross revenue and full expense picture — fuel, fixed costs, variable costs, and optional dispatch or factoring fees.

Best for: owner-operators checking overall monthly business profitability across every load, not just one.

Enter your monthly numbers

Currency

Monthly gross revenue*

Monthly miles (optional)

miles

Enter to also see your total expenses as a cost per mile.

Fixed costs (monthly)

Truck payment

Insurance

Permits & licensing

Other fixed (optional)

Variable costs (monthly)

Fuel

Maintenance & repairs

Tires

Other variable (optional)

Fees (optional)

Dispatch fee

Factoring fee

Enter your monthly numbers and select “Calculate profit” to see your results.

How this calculator works

The calculator adds up your fixed costs (truck payment, insurance, permits and licensing) and variable costs (fuel, maintenance, tires) for the month. If you enter a dispatch or factoring fee percentage, those are subtracted from gross revenue in sequence before expenses are applied. What's left is your net monthly profit, which is also projected to an annual figure.

Worked example

A truck grosses $12,000 in a month. Fixed costs are $2,550 (truck payment, insurance, permits) and variable costs are $4,000 (fuel, maintenance, tires) — $6,550 in total expenses. With no fees, net monthly profit is $5,450, a 45.4% margin — about $65,400 projected annually.

Understanding the inputs and outputs

Net monthly profit is gross revenue minus dispatch/factoring fees minus every expense you entered.
Profit margin expresses that profit as a percentage of gross revenue, making it easier to compare month to month even as revenue changes.
Annual profit simply projects the monthly figure forward 12 months — useful for big-picture planning, not a guarantee.

Common mistakes

Tracking gross revenue only and never subtracting the full expense picture.
Forgetting fixed costs that aren't billed monthly (annual insurance, quarterly permits) — divide those by the number of months they cover first.
Using a single unusually good or bad month instead of an average over several months.

Limitations

This is a single month's snapshot — one unusually good or bad month will skew the result, so average over several months for a more reliable number.

Frequently asked questions

How is this different from the Load Profit Calculator?: Load Profit looks at a single load in isolation. This calculator looks at your whole business for the month — total gross revenue across every load, minus every expense — to give you a business-level profit and margin, not a per-load one.
Should I use monthly or weekly numbers?: This calculator is built around monthly figures, since most fixed costs (truck payment, insurance) are billed monthly. If you track weekly, multiply weekly numbers by roughly 4.33 to estimate a monthly figure, or track a full month before using this tool for the most accurate result.
Why are dispatch and factoring fees optional here?: Not every owner-operator uses a dispatch service or factoring company. Leave these blank if they don't apply — the calculator treats a blank fee field as 0%, not as a missing/invalid input.
What does the optional monthly miles field do?: If you enter your total monthly miles, the calculator also shows your total expenses as a cost per mile — a quick cross-check against the more detailed Cost Per Mile Calculator.

For why splitting expenses into fixed and variable matters beyond bookkeeping — including how fixed cost per mile changes with monthly mileage — see Fixed vs. Variable Trucking Expenses.

Related calculators

Cost Per Mile Calculator

Calculate your true fixed and variable operating cost per mile from your actual monthly expenses.

Dispatch Fee Calculator

Calculate the true cost of percentage-based or flat-rate dispatch fees.

Factoring Fee Calculator

Estimate the cost of invoice factoring and how much cash you'll actually receive.

All results are estimates based on the figures you enter. This calculator does not account for taxes and is not financial, tax, accounting, or legal advice. Actual profitability depends on your specific operation.