Am I Ready to Be an Owner-Operator? Free Readiness Calculator

Thinking about going independent but not sure if you’re ready? This free owner-operator readiness calculator scores your financial situation, driving experience, and business preparation to tell you exactly where you stand — and what you need to work on before you make the leap.

Answer the questions below and get your readiness score instantly. The tool also identifies your specific gaps and gives you a realistic timeline for when you could be ready to go independent.

Your readiness score is based on three categories. Financial readiness accounts for 40 percent of your score and covers savings, credit, debt, and monthly expenses. Experience accounts for 35 percent and covers your CDL status, years of driving, and your record. Business readiness accounts for 25 percent and covers your truck situation, business knowledge, and industry relationships.