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Is this load worth it?

On the money, a load is worth taking when its all-in rate per total mile, the pay divided by loaded plus empty miles, is above your break-even for those miles. Your break-even here is your own cost per mile without fuel and tolls, plus this load's fuel and tolls.

By Aditya Jain, Aditya EnterprisesUpdated October 24, 2026A planning aid, not financial, tax or legal advice

Example figures are filled in to show how it works. Replace each one with yours.

The offer
All-in, as on the rate confirmation.
From where the truck is now.
Only if the rate confirmation pays extra stops on top of the rate. Otherwise 0.
Your truck
From the cost per mile calculator. The example is that page's example truck.
All-in rate per total mile
$2.100a mile
$0.098 a mile above your break-even of $2.002: $98.00 left over your costs on this load.
How the math works
  1. 01What the load pays$2,100.00$2,100.00 + 0 extra stops × $0.00
  2. 02Total miles1,000 mi900 loaded + 100 empty
  3. 03All-in rate per total mile$2.100$2,100.00 ÷ 1,000 miles (per loaded mile, as quoted: $2.333)
  4. 04Fuel$600.001,000 miles ÷ 6.5 mpg × $3.90 a gallon
  5. 05Your other costs$1,362.001,000 miles × $1.362
  6. 06Break-even for this load$2.002($1,362.00 + $600.00 fuel + $40.00 tolls) ÷ 1,000 miles

Money only: weigh where the load leaves the truck, too. No cost per mile yet? Work it out in the cost per mile calculator.

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How the math works

Step by step.

  1. 01Add up what the load pays: the offered rate, plus extra-stop pay only if the rate confirmation pays it on top.
  2. 02Add the empty miles to the pickup to the loaded miles. That is every mile this load takes.
  3. 03Divide the pay by those total miles. That is the all-in rate per total mile, lower than the per-loaded-mile figure the broker quotes whenever there are empty miles.
  4. 04Work out the fuel: total miles divided by your miles per gallon, times the fuel price. Add the tolls on the route.
  5. 05Add your other costs for those miles: total miles times your cost per mile without fuel and tolls. Divide the whole cost by the total miles: that is your break-even for this load.
  6. 06Compare the two. The gap, times the total miles, is what the load leaves over your costs, or what it costs you.
Good to know

Before you use the number.

  • This counts money only. A load above break-even can still be the wrong one if it leaves the truck where there is no reload, and one a little under can make sense if it gets the truck to a better market. Weigh the next load too. See two loads compared
  • However good the rate looks, check the broker before you book.
Read next

The guides this belongs with.

Doing your own dispatch, or learning the job? Learn truck dispatching step by step, free, with the honest comparison at the end.

New to the words? Read the trucking and dispatch glossary, in plain English.

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