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Free tool for owner-operators

What does it really cost you to run one mile?

Enter your real operating costs to calculate your truck cost per mile, identify your biggest expenses, and find your minimum rate before accepting a load.

No spreadsheet required. Fuel, truck payment, insurance, maintenance, deadhead and hidden costs — all in 2 to 4 minutes.

Start the calculator See industry benchmarks
The calculator

Your truck cost per mile, step by step

Your operation

Tell us how you run. We use this to weight every cost per mile.

Loaded + deadhead

Empty miles as % of total

Extra % to cover breakdowns / slow weeks

Industry context

Typical CPM benchmarks

Industry averages — not personalized recommendations
Fuel $0.48 – $0.55 / mi
Truck payment + depreciation ≈ $0.49 / mi
Insurance $0.10 – $0.15 / mi
Repairs & maintenance $0.15 – $0.20 / mi
Hidden operating costs $0.08 – $0.15 / mi

Source: American Transportation Research Institute (ATRI), An Analysis of the Operational Costs of Trucking: 2026 Update (2025 data). View the report. Ranges not itemised in that report are commonly used planning bands rather than published figures.

Disclaimer. This calculator provides estimates for educational purposes only. Actual operating costs vary based on fuel prices, routes, cargo, equipment condition, insurance history, financing terms, maintenance needs, and other factors. This tool does not provide financial, legal, tax, or insurance advice.