Driver Pay Portal →
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
—
Includes truck, trailer & driver
OPERATING CASH PROFIT
—
Before profit distributions
PARTNER A / MONTH
—
Partner A distribution; see split below

Monthly revenue breakdown

Every cost is deducted before calculating distributions.

Profit waterfall

Choose how much positive operating cash profit stays in the business. Your selected reserve updates every calculation and the contract.

%
Adjust from 0% to 100%. The rest is distributed according to ownership.
Company30%
Partner A35%
Partner B35%
Forecasts are estimates. Build an operating reserve before increasing owner distributions.
BREAK-EVEN LOADED-MILE RATE
—
At current monthly volume
TARGET-MARGIN LOAD RATE
—
To earn a 15% cash margin
OPERATING LIQUIDITY TARGET
—
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.

Monthly payments and recurring overhead now live in the Operating expenses tab. Add, edit, disable, or delete any expense there.

Partner allocation and policy

Ownership can follow capital contributions automatically or be set to custom percentages in Startup capital.

MONTHLY RECURRING OPEX
—
All enabled recurring items
ANNUAL RECURRING OPEX
—
Monthly equivalent × 12
ACTIVE EXPENSES
—
Recurring payments and overhead
ONE-TIME EXPENSES
—
Logged separately, not in recurring forecast

Operating expense register

All recurring expenses feed the dashboard, bids, and scenarios automatically. One-time entries are tracked separately.

ExpenseCategoryPaymentFrequencyMonthly equivalentStatusActions
Monthly equivalent: weekly × 52 ÷ 12, quarterly ÷ 3, annually ÷ 12. One-time expenses do not reduce the recurring forecast; they are recorded for tracking and should be funded from cash when incurred.

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—
—

Startup budget

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

Capital and ownership

—
Total launch cash needed
Founders' contributions
Ownership and distribution method
This selection controls the dashboard, cash distributions, and the generated contract PDF.
Capital-based percentages automatically follow the invested dollar amounts.
By default, ownership and profit sharing follow each partner’s initial cash investment. You can select custom negotiated ownership instead. Document 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.

Partnership agreement maker

Editable business details. Profit-share and startup contribution percentages are linked live to your planner.

$
This is a customizable draft agreement, not legal advice. Do not sign before completing legal names, equipment ownership, debt/guarantee responsibilities, tax allocations, withdrawal/buyout terms and having a Texas business attorney review it. A two-member LLC operating agreement may need additional legal provisions.

Live contract terms

%
Updates the dashboard, partner distributions, contract preview and PDF automatically.

These figures refresh automatically whenever you change the planner’s percentages or capital contributions.

Preview

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, expenses and calculations. JSON backs up editable inputs, expenses and draft contract details. 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.
DUMB AND DUMBER LOGISTICS DASHBOARD · Independent planning tool · Figures are cash-flow estimates before income taxes. Not a substitute for an accountant, insurance agent or carrier compliance specialist.