{
  "slug": "boat-ownership-cost",
  "title": "Boat Ownership Cost Calculator",
  "heading": "Boat Ownership Cost Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/boat-ownership-cost",
  "summary": "True annual cost of owning a boat.",
  "description": "Slip fees, insurance, winterizing, maintenance, and fuel add up fast. This gives the yearly and per-outing cost.",
  "formula": null,
  "dateModified": "2026-09-30",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=boat-ownership-cost",
  "inputs": [
    {
      "id": "slip",
      "label": "Slip / storage",
      "kind": "number",
      "hint": null,
      "default": 3600,
      "unit": "$/yr",
      "min": null,
      "max": null
    },
    {
      "id": "ins",
      "label": "Insurance",
      "kind": "number",
      "hint": null,
      "default": 900,
      "unit": "$/yr",
      "min": null,
      "max": null
    },
    {
      "id": "maint",
      "label": "Maintenance & haul-out",
      "kind": "number",
      "hint": null,
      "default": 2200,
      "unit": "$/yr",
      "min": null,
      "max": null
    },
    {
      "id": "fuel",
      "label": "Fuel",
      "kind": "number",
      "hint": null,
      "default": 1800,
      "unit": "$/yr",
      "min": null,
      "max": null
    },
    {
      "id": "loan",
      "label": "Loan payments",
      "kind": "number",
      "hint": null,
      "default": 6000,
      "unit": "$/yr",
      "min": null,
      "max": null
    },
    {
      "id": "outings",
      "label": "Outings per year",
      "kind": "number",
      "hint": null,
      "default": 20,
      "unit": null,
      "min": 1,
      "max": null
    }
  ],
  "outputs": [
    {
      "id": "total",
      "label": "Annual cost",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "monthly",
      "label": "Per month",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "perOuting",
      "label": "Cost per outing",
      "format": "currency",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Slip / storage: 3600 $/yr",
      "Insurance: 900 $/yr",
      "Maintenance & haul-out: 2200 $/yr",
      "Fuel: 1800 $/yr",
      "Loan payments: 6000 $/yr",
      "Outings per year: 20"
    ],
    "outputs": [
      "Annual cost: $14,500",
      "Per month: $1,208",
      "Cost per outing: $725"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter slip / storage ($/yr).",
      "Enter insurance ($/yr).",
      "Enter maintenance & haul-out ($/yr).",
      "Enter fuel ($/yr).",
      "Enter loan payments ($/yr).",
      "Enter outings per year.",
      "Read your annual cost on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "slip": 2200,
        "ins": 550,
        "maint": 1300,
        "fuel": 1100,
        "loan": 3600,
        "outings": 12
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "slip": 3600,
        "ins": 900,
        "maint": 2200,
        "fuel": 1800,
        "loan": 6000,
        "outings": 20
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "slip": 5800,
        "ins": 1450,
        "maint": 3500,
        "fuel": 2900,
        "loan": 9600,
        "outings": 32
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "How does the boat ownership cost calculator work?",
      "a": "Slip fees, insurance, winterizing, maintenance, and fuel add up fast. This gives the yearly and per-outing cost."
    },
    {
      "q": "What do I need to enter?",
      "a": "6 values: slip / storage, insurance, maintenance & haul-out, fuel, loan payments, and outings per year. Each field starts with a sensible default, so you can change one number at a time and watch the result move."
    },
    {
      "q": "What does the annual cost result mean?",
      "a": "It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds."
    },
    {
      "q": "Is this calculator free, and do I need an account?",
      "a": "Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser."
    },
    {
      "q": "How accurate is the result?",
      "a": "It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them."
    },
    {
      "q": "Who is this tool for?",
      "a": "It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/boat-loan",
    "https://www.revenuelab.fyi/toolbox/boat-fuel-consumption"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Boat Ownership Cost Calculator (https://www.revenuelab.fyi/toolbox/boat-ownership-cost)"
}