Quick answer: the load index is the number in your service description โ€” 225/65R17 102H โ€” and it's the max pounds one tire carries: 102 = 1,874 lb (ร—4 = 7,496 lb). For a light truck, LT265/70R17 121S = 3,197 lb per tire. The letter is the speed rating: H = 130 mph, T = 118. Never fit an index below your door placard's.

Decode a Service Description

Max Load per Tire
โ€”
Per Tire (kg)
โ€”
Set of 4
โ€”
Speed Rating
โ€”

Minimum Load Index for Your Vehicle

Loaded Vehicle Weight
โ€”
Each Tire Must Carry
โ€”
Minimum Load Index
โ€”
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Tire Load Index Chart (71-126)

Load IndexMax Load (lb)Max Load (kg)Typical Use
71761345Compact spare, small trailer
75853387Subcompact cars
76882400Subcompact cars
77908412Subcompact cars
78937425Small cars
80992450Small cars
811,019462Small cars
821,047475Sedans
831,074487Sedans
841,102500Sedans
851,135515Sedans, small EVs
861,168530Sedans
871,201545Coupes, small hatchbacks
881,235560Sedans
891,279580Crossovers
901,323600Crossovers
911,356615Crossovers (very common)
921,389630Crossovers
931,433650SUVs
941,477670SUVs
951,521690SUVs (very common)
961,565710SUVs
971,609730Larger SUVs
981,653750Larger SUVs
991,709775Light-duty pickups
1001,764800Pickups, minivans
1011,819825Pickups
1021,874850Pickups, 3-row SUVs
1031,929875Pickups
1041,984900Half-ton pickups
1052,039925Half-ton pickups
1062,094950Half-ton pickups
1072,149975Heavy half-ton
1082,2051,000HD pickups (single rear)
1092,2711,030HD pickups
1102,3371,060HD pickups
1112,4031,090HD pickups
1122,4691,120HD pickups
1132,5351,150HD pickups
1142,6011,180HD pickups
1152,6791,215Vans, HD pickups
1162,7561,250Cargo vans
1172,8331,285Cargo vans
1182,9101,320Cargo vans
1192,9991,360Dually pickups (rear)
1203,0861,400Dually pickups, trailers
1213,1971,450LT truck & trailer tires
1223,3071,500LT truck tires
1233,4171,550Heavy trailer
1243,5271,600Heavy trailer
1253,6381,650Heavy trailer, RV
1263,7481,700Heavy trailer, RV

The load index isn't linear โ€” it's a lookup table standardized by the ETRTO/Tire & Rim Association, which is why you can't compute it from a formula. Pound values are the kilogram standard ร— 2.20462, rounded. Max load applies only at the tire's maximum inflation pressure, printed on the sidewall.

Speed Rating Chart

RatingMax SpeedTypical Fitment
L75 mphOff-road / trailer
M81 mphTrailer, temp spare
N87 mphTrailer
P93 mphTemp spare
Q99 mphWinter studded
R106 mphLight truck, winter
S112 mphFamily sedans, minivans
T118 mphSedans, crossovers (very common)
H130 mphSport sedans, SUVs
V149 mphSports cars
W168 mphPerformance cars
Y186 mphSupercars
(Y)186+ mphExtreme performance

Older "ZR" markings (ZR appears instead of R in the size) mean 149+ mph with no upper bound; W and Y refined that. Ratings certify sustained speed capability under load โ€” a durability and heat standard, not permission.

LT vs P-Metric โ€” Same Size, Different Rules

P235/75R15 (104S)LT235/75R15 (C range)
Built forPassenger cars, crossoversPickups, hauling, towing
Max load1,984 lb1,985 lb
Pressure at max load35 psi50 psi
Derated on trucks/trailersYes โ€” รท1.10 โ†’ ~1,804 lbNo derating
SidewallSofter rideReinforced, stiffer

The trap: the two tires carry the same maximum load on paper, but the P-metric hits its number at 35 psi while the LT needs 50 โ€” and the Tire & Rim Association requires P-metric capacity to be cut 10% when fitted to light trucks, SUVs used for hauling, or trailers. Same size, same load index printed on the sidewall, less usable capacity on a truck. Load range letter (C, D, E) is the LT equivalent of the index, tied to ply construction: B = 4-ply/35 psi, C = 6-ply/50 psi, D = 8-ply/65 psi, E = 10-ply/80 psi, F = 12-ply/95 psi.

How the Load Index Chart Works

Every tire sold in the US carries a service description โ€” the load index and speed rating stamped after the size, like 102H in 225/65R17 102H. The index is a code for the tire's maximum load at maximum pressure; decoding it takes one lookup, and sizing it for a vehicle takes one division.

The method

Decode: look the number up in the chart (or use the calculator). 102 = 1,874 lb per tire; a set of four carries 7,496 lb. Check your vehicle: add curb weight to the weight of everyone and everything aboard, divide by four, and each tire's rating must beat that number. Rule: match or exceed the placard on your door jamb โ€” the manufacturer already did this math with your worst-case load in mind.

How to use it

Type a service description like 102H or 121S, or pick an index from the dropdown. The vehicle card below takes curb weight (on the door placard or the manufacturer spec sheet) plus your passengers and cargo estimate, and returns the minimum index that clears a quarter of the loaded weight.

A worked example

A crossover wearing 225/65R17 102H: each tire carries up to 1,874 lb, so four cover 7,496 lb, and H certifies 130 mph. Load it up โ€” 4,400 lb curb plus 1,200 lb of family and gear = 5,600 lb, or 1,400 lb per tire. That requires index 93 (1,433 lb) at minimum, and the factory 102s clear it with 34% headroom (1,874 รท 1,400 โ‰ˆ 1.34). Downgrade to 91s (1,356 lb) while loaded and each tire runs over its rating โ€” heat builds, sidewalls flex, and blowout risk climbs. On a heavy truck the same math pushes you into LT territory: LT265/70R17 121S = 3,197 lb per tire, 12,788 lb across four, at 50+ psi where the load range demands it.

Frequently Asked Questions

What does a tire's load index mean?

The load index is the two- or three-digit number in your tire's service description โ€” 102H means load index 102, speed rating H. It encodes the maximum weight one tire can carry at its maximum inflation pressure: 102 = 1,874 lb (850 kg). Multiply by four (or two on a motorcycle) to get the tires' total capacity, which must exceed your vehicle's fully loaded weight.

What load index does my vehicle need?

Add your curb weight to the weight of passengers and cargo, then divide by four โ€” each tire must carry at least a quarter of the gross weight. A 4,400 lb SUV with 1,200 lb of people and gear needs tires rated at least 1,400 lb each, which means load index 93 (1,433 lb) at minimum. Never go below the index printed on your door-jamb placard.

Can I use a tire with a higher load index?

Yes โ€” a higher index is always safe; the tire simply carries more than required, and ride quality usually changes little within one or two steps. Going lower than the vehicle's placard specification is not acceptable. When replacing tires, match or exceed the original load index, and keep all four tires identical.

What is the difference between LT and P-metric tires?

P-metric (P235/75R15) tires are built for passenger cars and rated at max load around 35 psi; LT-metric tires have reinforced sidewalls for hauling and towing and reach their max load at 45-80 psi depending on load range. In the same size, a P235/75R15 carries 1,984 lb at 35 psi while an LT235/75R15 load range C needs 50 psi to carry roughly the same โ€” and when a P-metric tire is fitted to a truck, trailer, or SUV used for hauling, its capacity must be derated about 10% (1,984 becomes about 1,804 lb).

What do tire speed ratings mean?

The letter after the load index is the certified sustained speed capability: T = 118 mph, H = 130 mph, V = 149 mph, W = 168 mph, Y = 186 mph, with (Y) meaning above 186. Most passenger cars ship with T or H; sports cars run V and above. For legal US driving any rating exceeds speed limits โ€” the rating matters for handling feel and heat durability, not daily legality.

Do all four tires need the same load index?

Yes. Mixing load indices (or sizes, or speed ratings) means the axles carry different capacities and the vehicle handles unevenly under load or in an emergency maneuver. If you must replace one tire, match the exact size, load index, and speed rating of the other three โ€” or better, replace in pairs and put the new pair on the rear.

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