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TrueUnderwriteCommercial Intelligence
Runs in Your Browser • No Account Required

Stop Guessing.
Start Underwriting.

Free calculators built for independent truckers. Find your real cost per mile, know your break-even rate before you book, and check any broker's offer against it in seconds.

Calculate Break-Even RateCheck a Load Before You Book
Instant 1-Page PDF Deal Sheet 100% Free • No Account Private (Runs in Browser)

Choose Your Underwriting Tool

Build your baseline cost-per-mile or evaluate a live broker rate.

Box Truck CPM

Calculate exact operating costs for 16ft–26ft straight trucks. Account for deadhead miles and establish the minimum rate you need to stay profitable.

Calculate Baseline

Hotshot CPM

Determine true costs for heavy-duty truck and trailer setups. Accurately factor in maintenance reserves, and separate trailer expenses.

Calculate Baseline

Load Evaluator

Estimate your net profit before accepting a load. Run a broker's offer against your exact CPM, factoring in dispatch fees, deadhead, and accessorials like lumper fees.

Evaluate Load
Cost Reduction & Finance

Operational Optimization

Protect net yield after freight is booked by auditing recurring service fees.

Fuel Card Savings

Calculate your true net discount per gallon by amortizing per-swipe transaction fees and monthly subscriptions against your actual fill-up volume.

Audit Fuel Program

Factoring True APR

Convert flat 2–5% invoice factoring fees into true annualized APR across 30 to 60-day broker payment terms. Know your real cost of working capital.

Audit Factoring Terms
Research & Editorial

Commercial Freight Intelligence

Explore in-depth operational guides, cost-per-mile benchmarks, and cash flow models designed for independent carriers.

Explore Guides
The Workflow

How TrueUnderwrite Works

1

Establish Baseline CPM

Enter your equipment payments, insurance, and maintenance reserves to reveal your absolute zero-profit operating floor.

2

Evaluate Live Freight

Plug your baseline CPM into the Load Evaluator alongside specific broker rates, dispatch fees, and deadhead logistics.

3

Export & Negotiate

Export a clean 1-page PDF deal sheet formatted for 8.5x11 printing. Attach it directly to broker negotiations to justify your rate floor.

Core Philosophy

The Difference Between Driving & Operating

Calculations Run on Your Device

Your operating costs and load rates belong exclusively to you. Every calculation runs locally in your browser using client-side JavaScript. We maintain no user database, store no financial records on our servers, and require no account registration to use the platform.

Future-Proofing Reserves

Profit isn't what is left in your checking account at the end of the month; it is what remains after accounting for future tire replacements, routine maintenance, and fluid consumption. We isolate per-mile variable reserves to protect your cash flow.

Ready to underwrite your freight?

Select your equipment profile and start building your financial baseline.

Calculate Break-Even Rate →Check a Load Before You Book