Your truck can be busy and still be going broke.
Find the money leaks, see how long your cash will last, and know what you can safely spend — before the next breakdown or slow-paying broker.
Five answers every owner-operator should have
- What am I actually keeping?
- How much cash is really mine to spend?
- How long can my business survive?
- What could put me in trouble next?
- What should I fix this week?
Cost per mile is a number. Whether your business is safe this week is an answer. This is built for the second one.
What you get
Excel and Google Sheets ready. Formulas already built — you type your numbers, it does the thinking. This is the product.
Around 12 pages. One section per sheet: what to enter, what the answer means, what to do about it. No filler.
The tools inside
- Money Leak Audit — Where did last month's gross actually go?
- Weekly Survival Number — Minimum gross, target gross, and your pay capacity
- Truck Runway + Reserve Floor — How many weeks you'd survive, and the balance to leave alone
- Factoring Cost Analyzer — What fast pay really costs you a year, and the cash needed to stop
- Broker Exposure Tracker — How much is at risk with each broker, and for how long
- Invoice Aging Sheet — Who owes you and how overdue they are
- Breakdown Shock Test — Can the business absorb a $2,500, $5,000, or $10,000 repair?
- Insurance Renewal Matrix — Which quote is actually better once coverage differs
- Weekly Scorecard — 15 minutes a week: is financial health improving or sliding?
- Scripts & Checklists — Payment follow-up wording and a broker vetting list
Setup takes 20-30 minutes with your settlements and bank statement in front of you. After that it's about 15 minutes a week.
This is for you if
- You already run one truck or a small fleet
- You gross decent money but always feel short
- You don't know how much of the bank balance is safe to spend
- One breakdown or slow broker would hurt
Skip it if
- You haven't started driving yet — you need history to work with
- You want bookkeeping, IFTA filing, or dispatch software
- You want live load board rates
- You already track runway, reserves, and factoring cost weekly
Instant download after payment. 30-day money back.
Payment is handled by our payment processor. We never see your card details.
Questions
Is this a subscription?
No. One payment, files are yours. Updates to the workbook come free.
Do I need Excel?
No. It opens in Excel or uploads straight into Google Sheets, both work.
Will this tell me to get factoring or a fuel card?
No. It calculates first and shows you the tradeoff. If you want to compare providers afterward, that's your call — the numbers don't change either way.
Is this tax or legal advice?
No. It's a business math workbook. For taxes, insurance, or chasing a broker in court, talk to a professional.
What if it's not useful?
Email us within 30 days and you get your money back. No argument.