What does Turo actually take?
Turo keeps 10%, 20% or 30% of every trip, depending on the earnings plan you choose, and renters pay a separate trip fee on top that never reaches you. On a $100/day car booked 20 days a month, the 70% plan sends $600 a month to Turo. Enter your own numbers below to see your actual payout, and what the same trips would earn booked direct.
| Plan | You keep | Turo keeps | Your damage responsibility |
|---|---|---|---|
| 70 plan | 70% | 30% | Up to $250 |
| 80 plan | 80% | 20% | Up to $1,500 |
| 90 plan | 90% | 10% | Up to $2,750 |
Source: Turo Help Center, checked October 2026.
Your numbers
What you keep each month
On Turo
Direct bookings
Planning tool, not financial or insurance advice. Card processing at 2.9% + 30¢/trip (standard Stripe pricing). Turo plans from Turo's US earnings plans. Figures checked October 2026.
How the math works (and where it's conservative)
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 earnings-plan percentage — on the 70% plan, Turo keeps 30% 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 responsibility ($250 to $2,750 per incident, depending on your plan) — a real cost this calculator doesn't even count against Turo.
What a percentage doesn't show
The fee is the part you can calculate. The bigger difference is who controls the business.
Your fleet, their switch
Turo can pause listings or restrict accounts under its own policies. Hosts report cars held for open recalls that weren't safety-related, with reinstatement on Turo's timeline. A paused car earns $0, and no calculator can price that.
Simple changes, long calls
Correcting a renter's details, swapping a car or changing a trip usually means going through Turo support. On your own booking site, you just edit the booking.
Their renter, their rules
The guest relationship, the reviews and the cancellation policy belong to the platform. The guest who loved your car is still Turo's customer, and you can't follow up off-platform.
Claims on their process
Damage claims run through Turo's process and terms: your plan's damage responsibility, their evidence requirements, and their decision on repair or value. Read the earnings plan details before you count on it.
Direct bookings put those decisions back with you: your rules, your renters, your calendar. Keep Turo for discovery, and own the renters you've already earned.
This isn't "quit 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 blocks your storefront whenever a Turo trip is booked.
Frequently asked questions
How much does Turo take from hosts?
Between 10% and 30% of the trip price, set by your earnings plan. Since January 2026, US hosts choose from three: keep 70% with $250 damage responsibility, keep 80% with $1,500, or keep 90% with $2,750. Renters also pay Turo a separate trip fee on top of your rate.
What do Turo's earnings plan percentages mean?
The number is the share of the trip price you keep; the rest is Turo's fee for the booking plus the protection package. Turo renamed protection plans to earnings plans in 2026, and the deductible is now called damage responsibility: what you pay per incident before Turo reimburses. Higher-percentage plans trade more damage responsibility for a bigger share, so you self-insure more of the risk while still paying the platform toll.
Is taking direct bookings against Turo's rules?
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.
What insurance do I need for direct rentals?
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.
What does direct booking actually cost?
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 10–30% platform cut. The calculator above shows your exact split.
Should I charge the same rate for direct bookings?
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.
Run it on Fleetwire
Stop paying the toll on renters you already earned
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.
- ✓Your rules, your renters, your calendar
- ✓Turo trips block your storefront automatically
- ✓Live the same day
