Owner-Operator Cost Per Mile Calculator

Know your true cost per mile — and the minimum rate you need to actually make money on a load. Free, no signup.

Fixed costs (per month)

Truck & trailer payment Insurance Permits, ELD, plates, other fixed

Per-mile costs

Diesel price ($/gal) Truck MPG Maintenance + tires ($/mile)

Miles

Miles you run per month

Your total cost per mile

—

Fixed cost / mile—

Fuel / mile—

Maintenance / mile—

Total monthly costs—

Track it load by load

The Owner-Operator Trucking Tracker spreadsheet does cost-per-mile, IFTA fuel tax by state, and per-load profit — so you know your number every week. Excel & Google Sheets.

Get the tracker — $19

How do you calculate cost per mile for trucking?

Add your fixed monthly costs (truck payment, insurance, permits) and divide by miles driven — that's your fixed cost per mile. Then add your per-mile variable costs: fuel (diesel price ÷ MPG) plus maintenance and tires. The total is what every mile actually costs you before you make a dime.

What rate should I charge?

Whatever rate-per-mile you accept has to be above your total cost per mile, or you're losing money. Most owner-operators target a healthy margin on top — this calculator shows the break-even line so you can negotiate from real numbers.

Estimates for planning only. Not financial advice.

More free tools: IFTA Calculator · all free tools