TruckNmore
Tools for Owner/Operators & Trucking Fleets

TruckNmore Tools

Tools for truckers and fleet managers to make smarter business decisions.

Available Tools

Equipment Lease Interest (APR) Calculator

Find out the true interest rate on any truck lease or equipment financing deal before you sign.

Cost Per Mile Calculator

Know exactly what it costs to run your truck every mile — fixed and variable expenses combined.

Trucking Start Up Cost Calculator

Estimate the total costs to launch your trucking business — equipment, insurance, permits, and more.

Factoring vs Credit Line Calculator

Compare the true cost of invoice factoring against a business credit line — see which option keeps more money in your pocket.

Merchant Cash Advance (APR) Calculator

Convert your MCA offer into a real APR so you know exactly what you're paying — before you sign anything.

We keep adding new tools — check back regularly for updates.

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Free Calculators Built for Trucking, Not Generic Finance

Most financing tools online are written for retail shoppers, not for people who move freight. These calculators are built around the numbers an owner-operator or small fleet actually deals with: lease buyouts, factoring rates, IFTA and IRP registrations, deadhead miles, and the difference between what a lender quotes you and what you really pay.

Every tool on this page is free, runs entirely in your browser, and asks for nothing — no account, no email, no sales call. Your numbers never leave your device.

Frequently Asked Questions

Are these trucking calculators free?

Yes. Every calculator on this site is free to use with no sign-up, no email capture and no limit on how many times you run it. Your inputs are processed in your browser and are never sent to a server or stored.

Do these calculators work for both US and Canadian carriers?

The cost per mile, equipment lease APR, factoring and merchant cash advance calculators work the same on either side of the border — just enter your numbers in your own currency. The start-up cost calculator is built specifically around Canadian requirements such as CVOR/NSC, IRP, IFTA and WSIB/WCB, with a line for US authority if you run cross-border.

Which calculator should I use first?

Start with the cost per mile calculator. Until you know what a mile actually costs you, you can't tell whether a load is profitable, whether a truck payment is affordable, or whether a financing offer is survivable. Everything else builds on that number.

Can I use the results to apply for financing?

The results are estimates to help you compare options and ask better questions. They are not quotes or approvals. If you want to talk through equipment financing, factoring or setting up a new authority, you can reach Jay directly using the contact details on this page.