Owner-Operator Cost Checklist

Adjust common monthly costs, calculate cost per mile, and copy or download your checklist for planning.

Monthly Cost Items

Truck Payment ($) - fixed truck note

Insurance ($) - liability/cargo/physical

Permits & Tags ($) - plates/IRP/IFTA

Fuel ($) - usually largest variable cost

Maintenance ($) - service and repairs

Tires ($) - replacement reserve

Tolls ($) - route dependent

Other Costs ($) - dispatch, software, misc.

Monthly Miles

Update monthly and whenever fuel, insurance, maintenance, or financing changes.

It gives you a clear floor for pricing freight and avoiding underpaid loads.