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How Much Should You Save For A Cruise


Modified: December 28, 2023

by Julietta Hopkins



Welcome to the world of cruising – a perfect escape for those seeking relaxation, adventure, and memorable experiences. Cruises offer a unique way to explore different destinations, indulge in luxurious amenities, and enjoy a wide array of onboard activities. Whether you dream of sailing through turquoise waters in the Caribbean, exploring ancient ruins in the Mediterranean, or discovering the awe-inspiring landscapes of Alaska, a cruise can fulfill your travel aspirations.


While embarking on a cruise vacation might seem like a distant dream, it is possible to make it a reality with careful planning and saving. Determining the amount you need to save for a cruise is an important step in making your dream voyage come true. In this article, we will discuss the factors to consider before setting a saving goal, how to research and choose the right cruise, determine the cost of the cruise, set a realistic saving plan, and offer helpful tips for saving and tracking your progress along the way.


Before we dive into the nitty-gritty details, it’s important to recognize that saving for a cruise is a personal journey. One person’s budget might differ from another’s based on factors such as destination, cruise line, duration, cabin type, and onboard activities. By understanding your unique preferences and financial circumstances, you can tailor a saving plan that works for you.


Factors to Consider Before Setting a Saving Goal

Before embarking on your saving journey, it’s essential to consider a few factors that will influence how much you need to save for your cruise:

  1. Destination: The destination you choose will greatly impact the overall cost of your cruise. Different regions and itineraries vary in price due to factors like distance, popularity, and local expenses.
  2. Cruise Line: Each cruise line offers a range of experiences and amenities at different price points. Luxury cruise lines tend to be more expensive, while budget-friendly options offer affordable alternatives. Researching and comparing various cruise lines will help you determine which one aligns with your budget and preferences.
  3. Duration: The length of your cruise is another crucial factor to consider. Longer cruises typically come with a higher price tag due to increased accommodation, food, and entertainment costs. Shorter cruises may fit better within your budget if you have limited savings.
  4. Cabin Type: The type of cabin you choose will affect the cost of your cruise. Cabins range from interior rooms to ocean-view and balcony suites. While interior cabins are usually more affordable, upgrading to a higher category will enhance your onboard experience but also increase the cost.
  5. Travel Season: The time of year you decide to cruise can impact the price. Popular travel seasons, such as school holidays and peak travel months, may have higher cruise fares. Consider traveling during the shoulder seasons or off-peak periods to take advantage of potential discounts.

By carefully considering these factors, you will have a better understanding of the financial requirements for your desired cruise. Keep in mind that everyone’s preferences and circumstances are unique, so your saving goal should be tailored to your specific needs and priorities.


Researching and Choosing the Right Cruise

Once you have a clear understanding of the factors that will impact your saving goal, it’s time to research and choose the perfect cruise for your preferences. Here are some steps to guide you in the process:

  1. Destination Research: Start by researching different cruise destinations that pique your interest. Consider factors like the climate, attractions, and activities available in each location. Narrow down your choices to a few destinations that align with your interests.
  2. Cruise Line Comparison: Look into various cruise lines and compare their offerings. Consider the amenities, dining options, entertainment, and onboard activities provided by each cruise line. Read reviews and browse through forums to get a better understanding of the experiences offered by different cruise lines.
  3. Itinerary Evaluation: Study the itineraries offered by the cruise lines that interest you. Look for cruises that visit the destinations you’re most excited about. Pay attention to the length of the stay at each port and the variety of shore excursions available.
  4. Budget Considerations: Evaluate the cost of cruises within your desired destinations and cruise lines. Take into account the factors discussed earlier, such as duration, cabin type, and travel season. Additionally, factor in additional expenses like gratuities and onboard activities when assessing the affordability of different options.
  5. Special Offers and Promotions: Keep an eye out for special offers and promotions that cruise lines often run. These can include discounted fares, onboard credits, or additional perks. Take advantage of these deals to get the best value for your money.

By conducting thorough research and comparing your options, you can find the cruise that meets your budget and fulfills your travel desires. This step is crucial in ensuring that your savings are being allocated towards a cruise that aligns with your interests and expectations.


Determining the Cost of the Cruise

Once you have selected a potential cruise based on your research, it’s time to determine the cost of the trip. Consider the following aspects when estimating the total expenses:

  1. Cruise Fare: The cruise fare is the base cost of the trip and typically includes accommodations, meals, and basic onboard activities. This cost varies depending on factors like the destination, cruise line, cabin type, and duration of the cruise.
  2. Additional Fees: Be aware of any additional fees or charges that may apply. These can include port taxes, government fees, and fuel surcharges. Make sure to account for these fees when calculating the total cost of the cruise.
  3. Transportation: Consider the cost of transportation to and from the embarkation port. Whether you need to book flights, arrange ground transportation, or factor in fuel expenses for a road trip, consider these costs when determining your overall budget.
  4. Pre- and Post-Cruise Expenses: If you plan on arriving a day or two early or staying after the cruise ends, account for the cost of additional accommodations, meals, and activities during this time.
  5. Shore Excursions: Research and budget for the cost of shore excursions. These are optional activities offered in each port of call and can range from cultural tours to thrilling adventures. Allocate funds for these experiences if you plan on participating in any.
  6. Gratuities and Service Fees: Many cruise lines charge automatic gratuities or service fees to cover the cost of onboard services like dining and housekeeping. Make sure to include these charges in your budget, as they can add up over the course of your cruise.
  7. Onboard Expenses: Budget for additional expenses onboard, such as specialty dining, spa treatments, alcoholic beverages, shopping, and internet access. These extra indulgences can quickly increase the overall cost of your cruise.

By considering all these factors, you can come up with a realistic estimate of the total cost of your cruise. It’s important to keep in mind that these expenses may vary, but having a rough estimate will help you set a more accurate saving goal.


Setting a Realistic Saving Plan

Now that you have determined the cost of your cruise, it’s time to create a realistic saving plan. Follow these steps to set yourself up for success:

  1. Establish a Timeframe: Determine the desired timeframe in which you would like to take your cruise. This will help you break down the saving process into manageable increments.
  2. Calculate the Total Saving Goal: Take the total cost of the cruise and divide it by the number of months until your desired departure date. This will give you a monthly saving amount to strive for.
  3. Create a Budget: Assess your current financial situation and create a comprehensive budget. Identify areas where you can reduce expenses to free up more money for saving. Cut back on non-essential expenditures and redirect those funds towards your cruise savings.
  4. Set Up a Separate Savings Account: Open a dedicated savings account for your cruise funds. This will help you track your progress and prevent the money from being spent on other expenses.
  5. Automate Your Savings: Set up automatic transfers from your primary bank account to your cruise savings account. This will ensure that you consistently put money aside each month without having to remember to do it manually.
  6. Reduce Unnecessary Spending: Look for ways to cut back on discretionary spending. Consider cooking meals at home instead of dining out, canceling unused subscriptions, and finding free or low-cost activities for entertainment.
  7. Maximize Income: Explore ways to increase your income, such as taking on a side gig or freelancing. Any additional earnings can be allocated towards your cruise savings.
  8. Monitor Your Progress: Regularly review your saving progress and adjust as necessary. Keep track of how much you’ve saved and celebrate milestones along the way to stay motivated.

A realistic saving plan takes into account your income, expenses, and time frame. Remember, saving for a cruise requires discipline and commitment, but with proper planning and determination, you can achieve your saving goal and set sail on the dream vacation you’ve been longing for.


Additional Expenses and Tips for Saving

When saving for a cruise, it’s essential to consider additional expenses that may arise during your trip. Additionally, implementing some tips for saving can help you reach your goal faster. Here are some factors to keep in mind:

  1. Travel Insurance: While it’s not mandatory, it’s highly recommended to purchase travel insurance to protect yourself against unforeseen circumstances. Research different insurance options and factor the cost into your overall budget.
  2. Packing Wisely: Pack essentials such as sunscreen, toiletries, and medications to avoid purchasing them at inflated prices on the ship. Make a checklist beforehand to ensure you don’t forget anything.
  3. Specialty Dining: While most meals are included in the cruise fare, onboard the ship, there may be specialty restaurants that come with an additional fee. Consider whether or not these experiences are worth the extra cost, or focus on enjoying the included dining options.
  4. Alcoholic Beverages: Alcoholic drinks can quickly add up on a cruise. Consider setting a limit or opting for drink packages offered by the cruise line, which can provide better value if you plan on enjoying alcoholic beverages during your trip.
  5. Internet Access: Internet access on a cruise can be expensive. Consider staying offline or purchasing internet packages that cater to your needs if you need to stay connected during your trip.
  6. Booking in Advance: Booking your cruise well in advance can often lead to better deals and discounts. Keep an eye out for promotions and early bird offers.
  7. Flexibility with Departure Dates: If your travel dates are flexible, consider booking during off-peak seasons or when prices are generally lower. This can help you secure a more affordable cruise vacation.
  8. Seek Budget-Friendly Excursions: Research and book excursions in advance to avoid last-minute inflated prices. Look for offbeat activities, local tours, or self-guided exploration options to save money while still enjoying your time ashore.
  9. Avoid Overpacking: Pack only what you need to avoid potential luggage overage fees imposed by airlines or cruise lines. Check the baggage limitations before your trip to ensure you comply with the restrictions.

Implementing these tips and being mindful of potential additional expenses can help you save money and stay within your budget during your cruise. Remember, it’s not just about saving for the trip itself but also finding ways to save on various aspects of your cruise experience.


Tracking Your Progress and Adjusting Your Saving Plan

Tracking your progress is essential to ensure that you stay on target with your saving goals. Additionally, it’s important to be flexible and make adjustments to your saving plan as needed. Here’s how you can effectively track your progress and adapt your savings:

  1. Maintain a Spreadsheet: Create a spreadsheet to record your savings progress. Include columns for the saving amount per month, actual saved amount, and the difference. This will help you visualize your progress and identify any gaps or areas where you can improve.
  2. Review Monthly Expenses: Regularly review your monthly expenses to identify areas where you can further cut back or optimize your spending. Look for ways to reduce unnecessary spending and allocate those funds towards your cruise savings.
  3. Reassess Your Saving Goal: As you progress in your savings, re-evaluate your total saving goal. Take into account any changes in expenses or new opportunities for discounts or savings. Adjust your saving target if necessary to make it more realistic and achievable.
  4. Seek Additional Income: Consider ways to boost your income to accelerate your savings. Explore opportunities for overtime at work, take on freelance projects, or leverage your skills to earn extra money. Direct this additional income towards your cruise savings.
  5. Stay Motivated: Keep your cruise goal at the forefront of your mind. Remind yourself of the incredible experience that awaits you once you achieve your saving goal. Maintain a vision board or bookmark pictures of your dream cruise destinations to stay motivated.
  6. Take Advantage of Windfalls: If you receive unexpected or one-time windfalls like bonuses or tax refunds, consider allocating a portion of these funds towards your cruise savings. While it’s always nice to reward yourself, remember that the long-term satisfaction of achieving your cruise dream will be worth it.
  7. Consult with a Financial Advisor: If you struggle to stay on track or need expert guidance, consider consulting with a financial advisor. They can help you create a personalized saving and investment strategy that aligns with your goals and circumstances.

Remember, tracking your progress and being flexible with your saving plan are crucial for success. Regularly reassess your saving strategy and make adjustments as needed. By staying disciplined and following these tips, you’ll be well on your way to achieving your saving goals and embarking on the cruise of a lifetime.



Saving for a cruise may seem like a daunting task, but with careful planning and determination, it’s an achievable goal. By considering factors such as destination, cruise line, duration, and cabin type, you can determine a realistic saving goal for your dream vacation. Researching and comparing different cruises, as well as calculating the total cost, will help you make informed decisions and stay within your budget.


Setting a realistic saving plan involves establishing a timeframe, creating a budget, and automating your savings. By reducing unnecessary expenses, maximizing income, and monitoring your progress, you can steadily work towards your saving goal. It’s important to consider additional expenses like travel insurance, specialty dining, and shore excursions when budgeting for your trip.


Tracking your progress and adjusting your saving plan along the way is essential. By maintaining a spreadsheet, reviewing your monthly expenses, reassessing your saving goal, and staying motivated, you can stay on track and make necessary adaptations. Seeking additional income and taking advantage of windfalls can also help accelerate your savings.


Remember, saving for a cruise is a personal journey. Tailor your saving plan to your unique circumstances and priorities. With discipline and perseverance, you will soon find yourself sailing towards unforgettable adventures, stunning destinations, and incredible memories on your well-deserved cruise vacation.