Payload Capacity (PC) = Gross vehicle weight rating (GVWR) - Curb weight (CW)
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GVWR = the maximum allowable weight of fully loaded vehicle.
GVWR includes:
- the weight of the vehicle itself +
- all of the necessary fluids for operation (gasoline, diesel, oil and so on) +
- all the passengers +
- all the tools +
- any cargo
GVWR is calculated by its manufacturer & can be found in:
- owner's manual or
- driver's door pillar, near the door latch or
- Web
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CW = the vehicle weighs on its own.
CW includes:
- a full tank of gas +
- all other fluids +
- all standard tools (spare tire, jack, etc)
CW doesn't include:
- any cargo
- any passengers
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Passenger's weight calc:
- car manufacturers factor in 150 pounds (68 kilos)
- per person, per seating position
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Payload List by Make/Model:
http://auto.howstuffworks.com/auto-parts/towing/towing-capacity/vehicle/payload6.htm
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http://auto.howstuffworks.com/auto-parts/towing/towing-capacity/vehicle/payload.htm