True cost of ownership

Loan, tax, registration, insurance and running costs for a boat in your state.

State

Boat price ($)

Length (ft)

Loan APR (%)

Loan term (months)

Down payment ($)

Ownership costs (estimates)

Storage

Storage cost ($/mo)

Estimate prefilled from Discover Boating national ranges (outdoor $50–300/mo; indoor $150–600+/mo; dockage $1,000–5,000+/season). Change to your local quote, or choose Home/trailer for $0.

Insurance ($/yr)

Leave blank until you have a quote — we do not estimate premiums.

Hours on the water / year

Fuel burn (gal/hr)

Fuel price ($/gal)

Gal/hr may prefill from a builder performance bulletin when a model is selected (estimate — change if your rig differs). When several published engine configs are close, a median is used and you can pick a specific engine. $/gal is never auto-filled: no official marina fuel dataset; enter your local price. EIA on-road retail is a proxy only.

Annual maintenance ($)

Leave blank to use the Discover Boating rule of thumb (10% of boat value per year). Enter your own figure to override.

Winterization ($/season)

Optional. Discover Boating ranges: professional $150–600/season, DIY supplies $50–100/season. See winterizing your boat. Leave blank to omit from the total.

Blank lines are left out of the total and the result is labeled partial. Loan principal and depreciation stay separate (we do not invent a depreciation curve).

Leave Loan APR blank for a cash purchase.

Enter your details and press Calculate. Results use only published figures; anything we can't source is listed as needing your input.