Before opening ChatGPT, write down your numbers. If you don't know some of these exactly, use your best estimate — you can refine later.

Fixed costs (same every month regardless of miles):

• Truck payment or lease: $___
• Truck insurance (liability + physical damage): $___
• Occupational accident insurance: $___
• ELD subscription (Motive, Samsara, etc.): $___
• Phone plan: $___
• DAT or load board subscription: $___
• Factoring fees (if you use factoring — as a % or flat): $___
• Other fixed monthly costs: $___

Variable costs (per mile):

• Fuel efficiency: ___ mpg
• Current diesel price: $___/gallon
• Estimated tire cost per mile: $0.03-0.05/mile is typical
• Estimated maintenance reserve per mile: $0.08-0.15/mile is typical

Target income:

• How much do you want to NET after all costs: $___/month

Monthly miles:

• Average miles you drive per month: ___