How much truck can I afford?

Start with what the truck earns, take out your costs and the pay you need, and see the largest payment, and truck, your business can carry.

Your monthly numbers

Gross revenue per month ($)Fuel ($ a month)Insurance ($ a month)Maintenance and tires ($ a month)Everything else (tolls, ELD, phone, permits, factoring fees)What you need to take home ($ a month)

Loan terms

Interest rate (APR) (%)Loan lengthDown payment you have ($)

CDL Loans

Most you can pay

–per month

Loan amount that fits: –
Truck price that fits: –

Memo: Estimate only. Not a loan offer.cdlloans.com

Your name Email

Tell us about your truck plans (optional)

Credit score (estimate)Truck budgetWhen you plan to buyState

Common questions

How much of my revenue should go to the truck payment?

There's no single rule, but the payment has to fit after fuel, insurance, maintenance and your own pay, with room left for slow weeks and repairs. This calculator shows the most it can be; a safer target is well below that.

What if the numbers don't work?

Look for a less expensive truck, a bigger down payment, a lower rate, or more revenue per month. Don't stretch the payment to fit a truck you can't afford.