Two-partner trucking business

Know your numbers.
Protect your profit.

Live pricing, expenses, startup capital and ownership distributions in one dashboard.

Changes saved automatically on this device
MONTHLY GROSS REVENUE
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12 loads / month
MONTHLY CASH COSTS
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Includes truck, trailer & driver
OPERATING CASH PROFIT
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Before profit distributions
EACH PARTNER / MONTH
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When ownership is 50 / 50

Monthly revenue breakdown

Every cost is deducted before calculating distributions.

Profit waterfall

Recommended starting policy: retain 30% of positive operating cash profit in the business.

Company30%
Partner A35%
Partner B35%
Forecasts are estimates. Build an operating reserve before increasing owner distributions.
BREAK-EVEN LOADED-MILE RATE
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At current monthly volume
TARGET-MARGIN LOAD RATE
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To earn a 15% cash margin
OPERATING LIQUIDITY TARGET
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3 months of fixed expenses

Freight & operating assumptions

Adjust blueprints for your actual loads, fuel costs and equipment.

Monthly fixed costs

Monthly cash payments; equipment loan payments are counted as cash outflows.

Partner allocation and policy

Price a single load

Input the offer, loaded miles and unpaid mileage. Costs scale based on your assumptions.

Include all empty miles, including repositioning to the pickup and your next paying lane. Update unusual permits, escorts or tarping costs as extra charges.
Gross load revenue—
Driven miles—
Fuel, maintenance, tires & tolls—
Driver, dispatch & factoring—
Allocated fixed / work costs—
Projected load cash profit—
Operating cash margin—
Break-even rate / loaded mile—
Target-margin bid rate—
—

One-truck startup budget

Cash required to launch with financed truck and trailer, including opening working capital.

Capital and ownership

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Total launch cash needed
Founders' contributions
Contributions and ownership are different. Record voting rights, asset titles, personal guarantees, capital repayment, and buyouts in a signed operating agreement.

Stress-test your monthly profit

Change loads per month and freight rate. Every cell uses your current costs, MPG and deadhead assumptions.

Loads / month$1.90 / loaded mi$2.15 / loaded mi$2.35 / loaded mi$2.70 / loaded mi
Profit vs loads at your entered rate
Negative results are cash losses before reserve allocations. Load counts and spot rates are scenarios, not guaranteed forecasts.

How distributions work

1. Collect freight revenueGross sales
2. Pay all operating cash costsNet cash profit
3. Set aside company reserveDefault: 30%
4. Split remaining positive profitBy ownership %
5. Set aside personal estimated taxesPlanning only

A partner who drives, dispatches, or manages operations can be compensated for that work before ownership distributions. Do not pay the same person twice for the same role. If there is a monthly loss, there are no profit distributions.

The business reserve is retained cash, not a tax deduction. Depending on entity tax treatment, owners may owe taxes on allocated profit even when cash is retained.

Use this website

Edit any field on Operating inputs, Load quote, or Startup capital. Figures update instantly. Inputs are stored in the browser on this device; no account, server, subscription or API key is required.

CSV exports a summary of assumptions and calculations. JSON backs up every editable input. Use the backup to transfer assumptions between devices; local saving does not sync automatically.

Financial planning estimates are not accounting, legal or tax advice. Insurance, FMCSA permits, fuel costs, minimum coverage and rates require quotes or current verification before operating.
HOTSHOT HQ · Independent planning tool · Figures are cash-flow estimates before income taxes. Not a substitute for an accountant, insurance agent or carrier compliance specialist.