Fuel Card Savings Calculator

Monthly fuel card savings = in-network gallons × your per-gallon discount + out-of-network gallons × any out-of-network discount − monthly card and transaction fees. Enter your own gallons and the discount you actually see at your stops; issuers' advertised averages (15¢ to 49¢ per gallon) are not guarantees.

By TruckerStack Editorial, AK Digital Marketing LLC · Published 2026-11-11 · Updated 2026-11-11 · checked against the official sources cited · Editorial policy · Not insurance, legal or financial advice.

Calculator

Published discounts and fees to test

Card	Published discount	Published recurring fees	Source
Mudflap	Up to $1.00/gal in-network (no average); 2¢/gal out of network	No activation, monthly, annual, per-card or out-of-network fees	Mudflap: Fuel Card page & FAQ; Mudflap card agreements, Rewards Program Terms & Fraud Guarantee terms
TCS	Average 49¢/gal in-network (Q1–Q3 2026)	$0 activation/monthly/annual; $0 in-network transaction fee; out-of-network fee not published	TCS Fuel homepage; TCS Fuel FAQ
AtoB	Average 42¢/gal, up to $2.00, at partner truck stops (H2 2025)	Flex $15/month for 1–5 cards then $3 per active card; Unlimited $3/card; $35 setup	AtoB homepage; AtoB Fee Schedule (last updated 2024-10-16)
WEX Fleet One EDGE	Average 15¢/gal at 2,200 EDGE sites (2019 survey)	$8 per active card/month; $2 per out-of-network funded fuel transaction; $75 setup	WEX: Fleet One EDGE Card; WEX: Fleet One Edge fee schedule

Updated 2026-11-11 · Verified 2026-11-11 on each issuer's own pages and fee schedules. One-time setup fees are not part of the monthly result. EFS, Comdata and Pilot figures are in the full comparison. TruckerStack is not affiliated with any of these issuers.

How the math works

In-network savings = gallons × in-network share × discount. Discounts exist only at an issuer's partner stops, so the in-network share is the biggest lever.
Out-of-network savings: Mudflap publishes a 2¢/gal deduction elsewhere; most others publish none.
Fees = cards × per-card fee + account fees + out-of-network transaction fees × transactions.
Break-even discount = net fees ÷ in-network gallons: below that discount the card costs more than it saves.

Example arithmetic only: 1,000 gallons, 80% in network at 20¢ off is $160; one card at $8 leaves $152 a month, $1,824 a year. Not sure of your gallons? Monthly miles ÷ MPG (for example 8,000 ÷ 6.5 ≈ 1,231 gallons).

Embed this calculator free

Free for trucking blogs, dispatch services and associations. Copy this snippet:

<iframe src="https://truckerstack.com/embed/fuel-card-savings-calculator" width="100%" height="900" style="border:0" title="Fuel card savings calculator by TruckerStack" loading="lazy"></iframe>

Fuel card partner offers: coming soon (no partner today). Until then, use the tables above and the issuers' own sites.

FAQ

How do I calculate fuel card savings?

Multiply the gallons you buy at in-network stops by your per-gallon discount, add any out-of-network discount, and subtract monthly card, account and transaction fees.

What discount should I enter?

The discount you actually see for the stops on your lanes in the issuer's app or fuel finder. Advertised averages (WEX 15¢, AtoB 42¢, TCS 49¢) and “up to” figures (Mudflap $1.00, AtoB $2.00) are not guarantees.

Does the calculator include setup fees?

No. It shows recurring monthly savings. One-time fees, such as AtoB's $35 or WEX Fleet One EDGE's $75 setup, are listed in the table so you can subtract them from the first month.

Can I put this calculator on my website?

Yes. Copy the iframe snippet in the Embed section; it is free and keeps a credit link to TruckerStack.

Is TruckerStack paid by fuel card companies?

No. We have no affiliate agreements with any fuel card issuer today; any future partner links will be labeled sponsored.