For Owner-Operator Truckers

Run your truck like the business it is — built for owner-operators.

Owner-operators are self-employed with big expenses and big tax exposure. Gigaverse helps you track fuel and maintenance, capture the per diem meal deduction, handle quarterly taxes, and finally save for retirement.

Connects with the platforms you already use

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Per diem meal deduction

Owner-operators subject to DOT hours-of-service rules can claim a per diem meal deduction for nights away from home (a set IRS daily rate, partially deductible). Gigaverse logs your nights on the road so the deduction is documented at tax time.

Actual truck expenses

Heavy trucks use the actual-expense method (not the standard mileage rate): fuel, maintenance, tires, insurance, permits, and depreciation are deductible. Gigaverse tracks and categorizes every expense on Schedule C.

Retirement without a company plan

The PRActicle™ is a portable Roth IRA opened through a FINRA/SIPC-member broker-dealer that auto-invests a percentage of every payout. Contributions are post-tax, grow tax-free, and qualified withdrawals are tax-free. It follows you across every platform and client — no employer 401(k) required.

Quarterly taxes, handled

With no withholding on settlement checks, you owe estimated taxes four times a year. Gigaverse estimates each payment from your actual net income and reminds you before the IRS deadline.

Owner-Operator Trucker questions, answered

Can owner-operators use the standard mileage rate?+

Generally no — the IRS standard mileage rate is for cars and light vehicles. Owner-operators of heavy trucks use the actual-expense method (fuel, maintenance, depreciation, etc.). Gigaverse tracks actual expenses accordingly. This is general information, not individualized tax advice.

How does the per diem deduction work for truckers?+

Drivers subject to DOT hours-of-service rules may claim a per diem for meals on nights away from home at a set IRS daily rate (partially deductible). Your eligibility and amount depend on your days on the road; Gigaverse helps you document them.

Can owner-operators open a retirement account?+

Yes — the portable PRActicle™ IRA (via a FINRA/SIPC-member broker-dealer) auto-saves from your settlements. Higher earners may prefer a SEP or Solo 401(k); compare with our calculators.

Ready to keep more of what you earn?

Free to open Instant pay Portable IRA

Gigaverse is not a bank. Brokerage services are provided through a FINRA/SIPC-member broker-dealer. Tax outcomes depend on your individual circumstances; Gigaverse does not guarantee any specific savings.

Important Disclosures: Gigaverse AI, Inc. is a financial technology company, not a bank. Brokerage services for the Gigaverse PRActicle™ (Portable Retirement Account) are provided through a FINRA/SIPC-member broker-dealer, which is responsible for custody of the retirement assets. USDC stablecoin balances held in Gigaverse wallets are not bank deposits and are not FDIC-insured; they are subject to the risks of the underlying issuer (Circle) and the underlying blockchain (Solana). Gigaverse AI, Inc. is not itself a registered investment adviser, broker-dealer, CPA, or attorney. Nothing on this site constitutes financial, tax, legal, or investment advice. All information, including AI-generated content, tax estimates, retirement projections, earnings data, case studies, and driver scenarios, is for illustrative and educational purposes only, is not indicative of any future returns or outcomes, and should not be relied upon as the sole basis for any financial decision. Gigaverse makes no promises, guarantees, or representations regarding any legislation, laws, tax benefits, government programs, or policy outcomes. Laws and regulations may change at any time without notice. Consult a qualified CPA, CFP®, or licensed attorney before making investment, tax, or legal decisions. All investments involve risk, including possible loss of principal. Past performance does not guarantee future results. Full disclosures →