Run your own numbers
Enter your real fleet size, trip volume, average trip price, and earnings plan. The result updates as you type. Nothing is submitted anywhere and no email is required.
How does the math actually work?
There is no black box here. The calculator runs one formula in four steps, and you can check every one of them on the back of an envelope.
- Annual booking revenue. Car count, multiplied by trips per car per month, multiplied by average trip price, multiplied by twelve. Five cars at 4 trips a month and $250 a trip is $60,000 a year in gross bookings.
- The marketplace side. That revenue multiplied by your plan’s take rate. On the Balanced plan Turo keeps 20%, so the marketplace side of the five-car example is $12,000.
- The flat-fee side. The monthly subscription times twelve, which is a fixed $2,364 whatever your fleet size, plus the roughly 2.9% your card processor charges on the same revenue. In the five-car example that is $2,364 plus $1,740, or $4,104.
- The difference. $12,000 minus $4,104 is $7,896. That is the number the calculator reports, and a negative result means the marketplace is cheaper for you.
Take rates from Turo Help Center, “Earnings plans, in detail | US hosts” (three named plans effective January 7, 2026), accessed August 14, 2026. Card processing modelled at 2.9%, the published Stripe-class rate (Stripe pricing, accessed August 14, 2026); the flat per-transaction cents are dropped, which slightly understates our own cost. Trip volume and average trip price are your inputs, not claims.
Which numbers sit on which side of the ledger?
This is the part most vendor calculators are quiet about, so here it is in a table. If a cost is in the model, it is listed; if it is excluded, that is listed too.
| Cost | Marketplace side | Flat-fee side |
|---|---|---|
| Percentage of each trip | Counted (10%, 20%, or 30% by plan) | None |
| Monthly software subscription | None | Counted ($197 per month, $2,364 a year) |
| Card processing | Not counted | Counted at about 2.9% |
| Additional host fees | Excluded, which favours the marketplace | None |
| Insurance, marketing, cleaning, maintenance | Excluded | Excluded |
| Damage responsibility per incident | Excluded ($250, $1,500, or $2,750 by plan) | Excluded (set by your own commercial policy) |
Two of those rows deliberately cut against us: Turo’s additional host fees are left out of its column, and card processing is charged to ours. The marketplace figure this page produces is therefore a floor, not a ceiling. Turo documents what a guest and a host are charged per trip at Turo Help Center, “Trip costs”, accessed August 14, 2026.
What does this look like at one car, five cars, and ten?
Same assumptions throughout: 4 trips per car per month, $250 average trip price, Balanced plan (Turo keeps 20%). These are illustrative figures to show the shape of the curve, not a quote.
| Fleet | Annual bookings | Turo keeps | Flat fee plus processing | Difference |
|---|---|---|---|---|
| 1 car | $12,000 | $2,400 | $2,712 | Marketplace cheaper by $312 |
| 5 cars | $60,000 | $12,000 | $4,104 | Flat fee cheaper by $7,896 |
| 10 cars | $120,000 | $24,000 | $5,844 | Flat fee cheaper by $18,156 |
Illustrative model, computed from the same constants the calculator above uses. Not a quote or a guarantee.
Notice what the first row does. At one car, the marketplace wins. Turo keeps $2,400 while the flat fee plus processing costs $2,712, so a single-car host on the Balanced plan is better off by $312 staying put on fees alone. We publish that row because a comparison that never loses is not a comparison. Move that same host to the More peace of mind plan, where Turo keeps 30%, and the picture flips: Turo keeps $3,600 against $2,712 flat, and the flat fee is ahead by $888 on one car.
Where is the crossover, and why does it move?
The crossover is the car count where the two totals meet. Below it the percentage is cheaper; above it the flat fee is, and the gap widens every month you keep growing. Because the flat fee is fixed and the percentage is not, the crossover depends entirely on how much revenue each car produces.
| Your earnings plan | Turo keeps | Flat fee wins from |
|---|---|---|
| More peace of mind | 30% of each trip | 1 car |
| Balanced | 20% of each trip | 2 cars |
| More earnings | 10% of each trip | 3 cars |
Crossover computed at 4 trips per car per month and $250 per trip. Change either input and every row moves, which is the point of running the calculator with your own figures.
Two things move the crossover more than anything else. Higher trip volume pulls it toward you, because each car generates more revenue for the percentage to bite into. A lower take rate pushes it away, because the marketplace is charging you less to begin with. A host on the More earnings plan with quiet cars can run several vehicles before a flat fee makes sense. A host on the More peace of mind plan with busy cars is past the line almost immediately.
There is a second-order effect worth naming, because it is the one the fee tables hide. The plan with the lowest take rate is also the plan with the largest damage responsibility, $2,750 per incident on More earnings against $250 on More peace of mind (Turo Help Center, accessed August 14, 2026). Getting your marketplace fee down means agreeing to carry more of the repair bill yourself. That risk is real money and it is not in this calculator, so weigh it separately. The full plan-by-plan breakdown lives in how much does Turo take.
What should you do with the result?
A number on its own does not decide anything. Here is how to read the one you just generated.
- If the marketplace is cheaper, stay for now. That is the honest read at one or two quiet cars. Revisit it when you add a car or when your trip volume climbs, because the crossover comes to you rather than the other way round.
- If the flat fee is cheaper by a small margin, fees alone are not a reason to move. The tiebreakers are ownership of the customer list and independence from a single platform, not a few hundred dollars.
- If the flat fee is cheaper by thousands, the fee question is settled and the remaining questions are operational: insurance, renter screening, and where your bookings will come from once a marketplace is not supplying them.
That last point is the one that decides whether a switch works. Going direct means you bring in the renters, so read how to rent out your car without Turo and keep 100% for the operational playbook, how to verify renters before the keys move for the screening you take on, and the full list of Turo alternatives if you want to see every option side by side before committing to one. If you are weighing channels rather than tools, Getaround vs Turo vs going direct covers that comparison, and Rentovation vs 1Now vs Fleetwire compares the software itself.
See the flat-fee side for real
Start a free trial, add the cars you already own, connect your own Stripe or Square account, and take a direct booking end to end. The calculator is an estimate; a real booking on your own storefront is not.
Start your free trial →Deactivated rather than deciding? See what to do when a Turo host account is deactivated, or read how onboarding works step by step.