Calculator

Startup budget

Itemized cash needed to launch your first truck.

Legal & authority
$

$50–$300 depending on state.

$
$
Regulatory / taxes
$

Varies by state and estimated miles.

$
Truck acquisition
$
%

15–25% typical for new-authority commercial loans.

Insurance & activation
$

Typically 20–30% of annual premium.

$
$

Bridges 30-45 day broker pay cycles.

Startup budget
Legal & authority
$580
Regulatory / taxes
$2,350
Truck cash out
$5,600
Insurance & activation
$2,700
Working capital reserve
$8,000
Total cash needed
$19,230
This is the cash you need on day one outside your personal emergency fund. Do not launch with less — a single unexpected repair or a slow first month ends most under-funded carriers.