What does this boat actually cost?
Loan or cash, slip, insurance, fuel, and maintenance — the monthly number that actually leaves your account.
All-in monthly
$987
$592 per outing
Most of this bill shows up whether you launch or not.
Fixed
$7,964/yr
$664/mo
Variable
$3,877/yr
Fuel + maintenance
Year-5 equity
Estimated value $30,673 vs loan balance $26,486.
| Principal & interest | $6,490/yr |
|---|---|
| Insurance | $1,196/yr |
| Slip / storage | $250/yr |
| Winterization | $0/yr |
| Registration | $28/yr |
| Fuel | $1,677/yr |
| Maintenance | $2,200/yr |
| Annual total | $11,842/yr |
Cruise burn 10.5 gph at $3.20/gal. SFC estimate, not a sea trial.
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Questions
- What costs are included in the all-in monthly number?
- Loan principal and interest (unless the boat is paid for), insurance, slip or trailer storage, winterization in cold states, registration, estimated fuel, and maintenance. Most of this bill shows up whether you launch or not.
- What if the boat is paid for?
- Choose Paid for — no loan. Principal and interest drop to zero. Insurance, storage, fuel, and maintenance still count. Buy vs rent treats the purchase price as cash paid up front.
- Is the loan rate a real quote?
- No. The default APR is an illustration rate, not a lender quote. Enter the rate on an offer you actually have.
- How is fuel burn estimated?
- Gasoline uses 0.50 lb/hp-hr specific fuel consumption and 6.2 lb/gal fuel weight. Diesel uses 0.40 and 6.9. Cruise gallons per hour is wide-open-throttle burn times a load factor (default 65%). This is an SFC estimate, not a sea trial.
- What does year-5 underwater mean?
- If the remaining loan balance after five years is higher than the depreciated boat value (15% the first year, then 10% per year), the loan is underwater in this model.