What does an owner-operator actually make?
Your Truck. Your Loads. Your Rates. Your Business.
Move the dials to match how you actually run. This uses Advanced Trucking's real pay percentages and weekly fee schedule — not a generic estimate — so you can see the number that lands in your pocket before you ever pick up the phone.
How you run
Your trailer situation
This is the single biggest lever on your settlement. At Advanced Trucking you keep more when the trailer is yours.
Fuel
Your costs
Estimated net before taxes
per week · $93,392 a year at 50 weeks
Of every dollar that hits your settlement, 34¢ stays with you.
Revenue
Expenses
Want these numbers checked against real Indy freight?
Send this over and one of our driver support specialists will run your setup against what's actually paying out of Indianapolis right now — no pressure, no obligation.
- Your full breakdown emailed as a PDF
- Current rates on the lanes you'd be running
- A straight answer on what you'd clear with us
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No recruiter call to get started, no obligation. Fill out the driver application and we'll come back to you with what your setup would actually pay at Advanced Trucking.
Apply online nowClass A CDL required · 48 states · Questions? (317) 978-0276
How this calculator works — every assumption, in the open
The math
Loaded miles = total miles × (1 − deadhead %) — you burn fuel on every mile, but you only get paid on the loaded ones.
Gross on the freight = loaded miles × rate per mile, then your share = gross × 85% or 80% depending on whose trailer you're pulling.
Fuel = (total miles ÷ MPG) × (pump price − discount). Deadhead miles burn fuel at the same rate as loaded miles.
Breakeven rate = total expenses ÷ (loaded miles × your %) — the rate per loaded mile you need just to cover costs.
What's not in here
Bobtail and physical damage insurance (you carry your own), quarterly IFTA settle-up, escrow beyond the $2,500 deposit, factoring or quick-pay fees, health insurance, home expenses, and any downtime that isn't already baked into the weeks-per-year number. Treat the result as a ceiling, not a promise.
Where the default numbers come from
Pay percentages and the weekly fee schedule: Advanced Trucking FAQ.
Diesel at $5.45/gal national, $5.44 Midwest, week of Aug 17 2026: U.S. Energy Information Administration.
Maintenance, tires and total operating cost per mile: ATRI, Operational Costs of Trucking — $2.336/mile all-in for 2025, with repair & maintenance at $0.22 and tires at $0.05.
Dry van spot at $3.00/mile all-in, mid-2026 DAT data.
This calculator produces an estimate for planning purposes only. It is not an offer of contract, a guarantee of earnings, or tax advice. Actual settlements depend on the loads you book, the rates you negotiate, your equipment, fuel prices on the day, and how many miles you actually turn. Talk to your own accountant before making a decision about your business.
