Trucking Cash Flow Calculator
Calculate cash flow for your trucking business using industry-specific benchmarks and defaults.
Monthly Cash Flow
$1,250
Net cash in or out each month
Monthly Burn Rate
$0
Cash spent beyond revenue (if negative)
Cash Runway
—
Months your reserves will last
Annual Cash Flow
$15,000
Projected 12-month net cash flow
How to Use This Cash Flow Calculator
Enter your monthly revenue — the cash actually collected each month, not just invoiced. For trucking businesses, revenue comes from Linehaul freight rates, Fuel surcharge revenue, Accessorial charges. Use an average month or run the calculation for both peak and slow months.
Enter your total monthly expenses — everything that leaves your bank account. Include Driver wages & settlements, Fuel, Maintenance & repairs, Insurance (liability, cargo, physical damage), plus loan payments and any other recurring costs.
Need more than a calculator for your trucking finances?
Our Trucking Cash Flow Template gives you a complete, ready-to-use Excel spreadsheet with industry-specific categories, formulas, and dashboards. Skip the setup — start analyzing in minutes.
Cash Flow Calculator for Trucking Businesses
Cash flow management is the difference between a trucking business that survives and one that thrives. Even profitable businesses fail when they run out of cash — a common scenario when revenue is seasonal, customers pay late, or a large expense hits unexpectedly. This calculator gives you a clear picture of your monthly cash position and how long your reserves will last.
Peak freight volumes in August–October (back-to-school and holiday restocking) and late November–December. Slowest in January–March post-holiday. Understanding these patterns is critical for trucking businesses. Build cash reserves during peak months to cover fixed costs during slower periods. Key costs like Driver wages & settlements, Fuel, Maintenance & repairs don't stop during slow months, so your cash reserves need to bridge the gap.
Trucking Industry at a Glance
Financial templates built for trucking companies and owner-operators — pre-loaded with freight billing, fuel surcharge, and per-mile cost categories.
Revenue Drivers
- Linehaul freight rates
- Fuel surcharge revenue
- Accessorial charges
- Dedicated contract lanes
Key Cost Categories
- Driver wages & settlements
- Fuel
- Maintenance & repairs
- Insurance (liability, cargo, physical damage)
- Equipment payments & depreciation
- Permits & compliance fees
Typical Margins
Gross: 12-20% · Net: 2.5-8%
Seasonality
Peak freight volumes in August–October (back-to-school and holiday restocking) and late November–December. Slowest in January–March post-holiday.
Key Performance Indicators
Frequently Asked Questions
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