Turo keeps 10–40% of every trip depending on your protection plan — and renters pay a trip fee on top that never reaches you. Put in your real numbers and see what the same trips earn booked direct, with the honest costs of going direct included.
Planning tool, not financial or insurance advice. Card processing at 2.9% + 30¢/trip (standard Stripe pricing). Figures checked July 2026.
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We built this to survive scrutiny, so the direct-booking side carries all of its real costs. The Turo side is your trip revenue times your protection-plan percentage — on the 75 plan, Turo keeps 25% of every trip. We don't add Turo's renter-facing trip fee here, because it comes out of your renter's pocket, not yours.
The direct side takes the same revenue and subtracts card processing (2.9% + 30¢ per trip), your own insurance at the per-day cost you enter, and booking software. Deposits, driver verification, and e-signed agreements are part of the software line, not extras. We leave out your time, marketing, and Turo's damage deductibles ($250–$2,500+ on high-percentage plans) — a real cost this calculator doesn't even count against Turo.
Turo is a demand engine — it puts your cars in front of renters you've never met, and that's worth paying for. The move successful hosts make isn't leaving Turo; it's stopping the toll on renters they already earned. The second time a guest books your car, Turo isn't doing the marketing — your car and your service are.
Important and honest: don't take Turo-sourced trips off-platform. Circumventing fees on a trip that started on Turo violates their terms and risks your account. Direct bookings are for demand you source: repeat guests, referrals, and renters who find you directly. A calendar sync keeps both channels from colliding.
Between 10% and 40% of the trip price, set by your protection plan: the 90 plan leaves you 90% (with the highest damage deductible), down to the 60 plan leaving you 60% (lowest deductible). Most hosts sit on the 75 or 80 plan, so 20–25% is typical. Renters also pay Turo a separate trip fee on top of your rate.
The number is the share of the trip price you keep; the rest is Turo's fee for the booking plus the protection package. Higher-percentage plans trade a bigger deductible for a bigger share — you're effectively self-insuring more of the risk while still paying the platform toll.
Taking a Turo-sourced trip off-platform to dodge fees violates Turo's terms and can get you deactivated. Running your own rental business alongside Turo doesn't. Repeat guests, referrals, and renters from your own marketing are yours to book directly — hosts run both channels side by side every day, with a calendar sync keeping them from colliding.
Your personal auto policy won't cover it. Hosts use either a commercial rental policy (annual, covers the fleet) or per-trip "episodic" coverage priced per rental day. Costs vary a lot by state, fleet, and vehicle class — that's why the calculator makes it an input instead of hiding an assumption. Talk to a broker who knows car rental.
Three things: card processing (~2.9% + 30¢ per booking), your insurance, and booking software. On typical small-fleet numbers that lands around 8–15% all-in — versus the 20–40% platform cut. The calculator above shows your exact split.
You have headroom either way. Your Turo renters pay your rate plus Turo's trip fee, so you can match what they actually paid and keep the difference, or undercut it slightly so booking direct is obviously the better deal. Either way you earn more per trip than you did on-platform.
Fleetwire gives you the trust stack that made Turo feel safe — verification, deposits, e-sign — on your own storefront. Plans from $34/mo, the number this calculator already counted against you.