True Cost of Ownership Calculator

User Guide

Compare long‑term vacation ownership costs against renting using adjustable assumptions, compounding projections, and. Results stay hidden until you hit Calculate.

🔒 Unlock Pro Version (Verified Reps)

Ownership

Defaults: 3% MF growth • 10 nights • 20 years

Purchase Price ($)

Points Per Year (Optional)

Annual Maintenance Fee ($)

MF Growth (% / year)

Time Horizon (Years)

Nights Used Per Year

Renting comparison

Defaults: $200/night • 8% inflation

Rental Cost Per Night ($)

Rental Inflation (% / year)

Results

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Ownership Advantage

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Total Ownership Cost

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Total Rental Cost

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Break‑Even (Annual)

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First year where annual ownership cost is lower than annual rental cost.

Break‑Even (Cumulative)

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First year where total ownership spend to date is lower than total rental spend to date.

🔒 Advanced modeling (financing, monthly payments, scenario comparison, rental offset) is available for verified sales representatives.