Owner-Operator Net Pay Calculator

Gross revenue is the number recruiters quote. It is not the number that reaches your account. Enter your own figures below and see what a week actually pays after fuel, fixed costs and taxes.

Nothing is saved, sent, or stored. The math runs entirely in your browser.

Defaults are illustrative starting points, not industry averages. Replace every field with your own numbers — the output is only as honest as the inputs.

What the calculator does not include

Health insurance, retirement contributions, home time with no revenue, and the weeks a truck sits in a shop are all outside this model. So is the cost of the equipment itself when the lease ends. Add those before comparing an owner-operator figure to a company driver salary, because a company position typically carries benefits that never appear on a settlement statement.

The number that matters is net cents per mile

Rate per mile is what gets discussed at truck stops, and it is close to meaningless on its own. A load paying more per mile through congested lanes with a heavy deadhead leg can net less than a cheaper run with steady miles. Net cents per mile — what reaches you after everything, divided by every mile you actually drove — is the figure that lets you compare two very different weeks.

Track it for a month before making a decision about changing carriers or signing anything.

Set the maintenance reserve honestly

The maintenance field is where optimism does the most damage. It is not what you spent last week; it is what you must set aside every week so that an engine, a transmission or an aftertreatment repair does not end the business. On older equipment, a reserve well above the default is realistic.

A driver who nets a strong week for eleven months and then faces a five-figure repair with no reserve was never netting what the settlement statements said.

Before you use this to evaluate an offer

Ask the recruiter for the numbers this calculator needs — average weekly miles actually run by drivers in your division, deadhead percentage, what the fuel surcharge covers, and every deduction that comes out of settlement. If those answers are vague, that is your answer.

Then check the company itself.