Driver settlement checker: does this paycheck match what you agreed?
Enter the week's loads, how you're paid, and the deductions you agreed to, then what the settlement shows. The driver settlement checker flags every line that doesn't match.
Driver settlement checker
EXAMPLE VALUES, REPLACE WITH YOURSDeductions you agreed to (expected)
What the settlement shows (actual)
EXPECTED VS ACTUAL
| Line | Expected | Actual | Check |
|---|---|---|---|
| Gross pay | $3,192.50 | $3,092.50 | -$100.00 |
| Fuel deduction | $1,150.00 | $1,150.00 | Matches |
| Escrow | $100.00 | $150.00 | +$50.00 |
| Insurance chargeback | $210.00 | $210.00 | Matches |
| Truck lease or payment | $0.00 | $0.00 | Matches |
| Net pay | $1,732.50 | $1,582.50 |
2 lines to ask about.
Clean settlements start with clean load records. Our desk sends a weekly report for every truck.
By Edwin Horton · Updated
How the settlement checker works
A settlement is only checkable if you know what it should say. The checker builds that from the loads and terms you agreed to, then compares it with the actual settlement line by line.
- Expected gross pay = each load's gross × your percentage, or paid miles × your rate per mile, plus fuel surcharge if it's passed through to you
- Expected deductions = the fuel, escrow, insurance and truck lease or payment amounts you agreed to
- Difference per line = actual − expected; anything more than $1 off is flagged
- Net pay = gross pay − deductions, expected and actual side by side
EXAMPLE A leased owner-operator on 75% of the load hauls two loads grossing $2,100 and $1,650, with $380 of fuel surcharge passed through. Expected gross pay: $2,812.50 + $380 = $3,192.50. The settlement shows $3,092.50: $100 short. Escrow was agreed at $100 but $150 was taken. Two lines to ask about, $150 in all.
For leased owner-operators
Federal truth-in-leasing rules set out what your lease must say about pay and deductions Truth-in-leasing lease contentsWritten lease: compensation, chargebacks, escrow, insurance, pay within 15 days, freight bill copies49 CFR 376.12: the lease gives the authorized carrier exclusive possession and control of the equipment for its term (c)(1), states the compensation (d), lists every chargeback and how it is computed (h), sets escrow terms with return within 45 days of termination (k), addresses insurance (j), requires payment within 15 days of submitting delivery paperwork (f), and, when pay is a percentage of revenue, a copy of the rated freight bill (g).49 CFR 376.12Checked Oct 2026: your compensation, every chargeback and how it's computed, escrow terms and return, insurance, and payment within 15 days of turning in the paperwork. If you're paid a percentage, you're entitled to the rated freight bill for each load. Use it to check the gross the percentage was applied to.
Matches, gaps and short pay
Everything matches: keep the settlement and your rate cons together for the year. You'll need them for taxes anyway.
Gross pay is short: check the load gross the percentage was applied to, missed accessorials, and whether fuel surcharge was passed through as agreed.
A deduction is higher than agreed: check the lease or pay agreement first, then ask. Escrow, insurance and fuel advances are the usual suspects.
For company drivers, the truck driver pay calculator shows what a week should pay under per-mile, percentage or hourly pay. Team drivers can check their split with the team driver pay split calculator.
Keep the records clean
Settlement records are part of the paperwork on our trucking company compliance checklist. If a breakdown cost you days and the settlement doesn't reflect what your lease says about downtime, our guide to trucking downtime claims covers the next steps. For carriers, our small fleet dispatch desk keeps rate cons, PODs and detention claims organized per truck, which is where clean settlements start. This tool flags differences only; it isn't legal or accounting advice.
If you run a fleet, use the same checker on your own settlements before they go out. Owners who check settlements against rate cons and agreed deductions every week catch their own clerical errors before drivers do, and that matters more for retention than most owners think. A driver who finds a mistake on their own paycheck starts checking every line from then on, and starts listening when other carriers call.
Have the paperwork in front of you
- Have every rate con for the week in front of you
- Use the pay terms from your signed agreement or lease
- Enter deductions exactly as agreed, not as last week's settlement showed
- Write down each flagged line before you call
Settlement questions drivers ask
01What should be on a truck driver settlement?
Each load with its pay basis (miles or gross), any accessorial pay, fuel surcharge if it's passed through, and every deduction itemized: fuel, escrow, insurance, truck lease or payment, and any other chargeback. Totals alone aren't enough to check.
02What rights do leased owner-operators have on settlements?
Federal leasing rules require the lease to state your compensation, list every chargeback and how it's figured, set escrow terms, and pay you within 15 days of turning in the delivery paperwork. When you're paid a percentage of revenue, you're entitled to see the rated freight bill.
03What do I do if my settlement is wrong?
Write down the line, the amount you expected and why, with the rate con or lease clause that backs it. Ask your carrier's settlements contact in writing. Most mistakes are clerical and get fixed quickly when the paperwork is clear.
04Can a carrier deduct things not in my lease?
For leased owner-operators, chargebacks must be listed in the lease with how they're computed. If a deduction isn't there, ask about it. This checker flags differences; it isn't legal advice.
05How often should I check my settlements?
Every one, for the first few months with a new carrier, then at least monthly. Most errors repeat until someone points them out, so catching one early saves every week after it.
Clean settlements start with clean load records
Our desk sends a weekly report per truck, so every load and claim is on paper.
4% for 2+ trucks, 5% for one, 7% while your MC is new