DVC Value Calculator
Model the true cost of ownership from today through resort expiration — vs hotels and investing.
Contract Details
Financed purchase?
150 pts × $120/pt = $18,000Expires 2057 · 31 yrs left
Assumptions
Rack rate for equivalent room
How many nights you'd stay
Investment return = what you'd earn investing the same cash (purchase price + dues each year) in an index fund instead. S&P 500 long-term avg ≈ 7%.
Total DVC Cost
$89,194
over 31 years
Cash Hotel Equivalent
$157,508
7 nights/yr at $450/night
Break-even Year
2035
DVC cheaper after 9 yrs
All-In Cost per Point
$19
4,650 total pts over 31 yrs
Cumulative Cost Comparison
2026–2057 · Hover to inspect any year
DVC Cumulative Cost
Cash Hotel Equivalent
If Invested Instead
Break-even
Export CSV — Member only
Methodology: DVC Cumulative Cost = purchase price (or down payment + loan payments if financed) + all annual dues compounded at the selected growth rate. Cash Hotel Equivalent = your nightly cash hotel rate × nights per year, grown at the hotel inflation rate each year. "If Invested Instead" = what you'd have if you invested your purchase cost and every annual DVC payment at the investment return rate. Break-even is the first year cumulative DVC cost falls below cumulative hotel equivalent. Resort expiration dates are sourced from public DVC deeds and are approximate.