Startup Cost & Cash Reserve Calculator

Estimate startup capital, monthly burn rate, and reserve requirements before launching your operation.

Setup Type

Operation Type

Equipment Type

Truck Condition

Truck Down Payment ($)

Trailer Deposit/Down Payment ($)

Authority & Filing Fees ($)

Registration & Permits ($)

Insurance Down Payment ($)

ELD & Setup Equipment ($)

Misc Startup Equipment ($)

Professional Services ($)

Insurance ($/month)

Truck Payment ($/month)

Trailer Payment ($/month)

Load Board Subscription ($/month)

ELD/Software ($/month)

Parking/Yard ($/month)

Phone/Internet ($/month)

Misc Recurring ($/month)

Months of Reserve

First-Month Fuel Working Capital ($, optional)

Maintenance Reserve ($, optional)

What causes startup costs to spike?

Large down payments, insurance deposits, permit bundles, and underestimating equipment setup can raise startup costs quickly.

Is lease-on cheaper than own authority?

Lease-on often reduces some compliance overhead, but payout structure and carrier deductions can still affect net outcomes.

How much reserve should I keep?

Many operators target at least 3 months of recurring costs, with more cushion for volatile lanes or new authority risk.

What costs do new owner-operators underestimate?

Fuel working capital, insurance timing, maintenance surprises, and slow-pay cycle pressure are commonly underestimated.

Should I include personal living expenses?

Yes. Personal obligations affect real cash runway and should be included in startup planning decisions.