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Route Profitability
Calculator

You're about to make a six-figure investment. The listing numbers look great — but what's your real take-home after every expense?

When you buy a DSD route — whether it's bread, snacks, or beverages — the listing will show you gross revenue. But between product costs, fuel, vehicle expenses, insurance, stale product, and self-employment taxes, that number shrinks fast.

If you're financing the purchase, debt service takes another bite. And most listings don't mention the 50–60 hour weeks.

This calculator breaks it all down so you can see what you'll actually take home — monthly, annually, and per hour.

route-profitability-calculator

Route Details

$
$
Used for hourly rate calculation

Financing

Expenses

60%
Bread routes typically run 55–65%
$
$
Maintenance, lease/payment, tires
$
3%
Percentage of revenue lost to unsold/damaged product
Self-Employment Tax (auto-calculated)
$20,429/yr
15.3% of net earnings

Your Projected Numbers

Annual Take-Home
$113,091
Monthly Take-Home
$9,424
Effective Hourly
$43/hr
Break-Even
22 mo
~1.8 years

Where Your Revenue Goes

Margin
27.2%
Product Cost
Fuel
Vehicle
Insurance
Stale/Damage
SE Tax
Take-Home

Annual Breakdown

$416,000
Revenue
$249,600
COGS
$32,880
Operating
$20,429
Tax
$113,091
Profit

Full Annual Breakdown

Gross Revenue
$416,000
Cost of Goods (COGS)
-$249,600
Fuel
-$7,800
Vehicle Costs
-$9,600
Business Insurance
-$3,000
Stale / Damaged Product
-$12,480
Self-Employment Tax (15.3%)
-$20,429
Net Take-Home
$113,091

🍞 How does this stack up?

Your Margin vs. Avg Bread Route
27.2% vs 32.0% avg
Your Hourly vs. Avg Bread Route
$43/hr vs $28/hr avg

Expenses Most New Route Owners Miss

🍞

Stale & Damaged Product

Bread routes can lose 3–5% of revenue to unsold product. Snack routes are lower but it adds up over 52 weeks.

💰

Self-Employment Tax

You're paying both sides of FICA — that's 15.3% on your net earnings. Most listings don't factor this in.

🔧

Vehicle Maintenance

Route trucks take a beating. Budget $400–800/month for maintenance, tires, and unexpected repairs.

📋

Time = Money

If you're spending 8+ hours per week on paper invoices and manual orders, that's profit you're leaving on the table.

Protect Your Margins with Better Systems

The numbers above assume you're running your route efficiently. But most new owners start with paper invoices, manual order-taking, and phone calls back and forth with customers — all of which eat into your effective hourly rate.

The Full Truck was built specifically for independent route drivers. It digitizes your supplier invoices with AI, lets customers order via a text link (no app or login needed), and gives you a clear P&L every week — so you can focus on growing accounts instead of shuffling paper.

Try The Full Truck Free for 14 Days →

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