← Owner-operator cost per mile calculator
Sitting unpaid is not the same as a cheap loaded rate. Detention is a settlement line. A lumper is cash out unless someone reimburses it. Treating both as “part of the $2.00” hides whether the wait actually paid.
On the calculator’s starting week — 1,800 loaded / 450 empty, $2.00 after 3% factoring — the miles-only settlement loses $32.96. That is the hole detention has to fill before the wait is even free.
Six hours at $50, same 3% factor, plus a $75 lumper you paid. Detention settles $291. Subtract the lumper and the accessorials add $216. The same $2.00 week keeps $183.04. The miles-only hole closes after 0.68 hours at that detention rate. Past that, extra hours are profit — until the next load you missed is worth more than sitting.
The conversion that keeps the units honest:
Unpaid detention is just more unpaid time. A lumper the broker never repays is a rate cut you already accepted. Open the calculator and replace the starting hours with the ones on your bills. Nothing is uploaded.