DVC Purchase Planner
Compare resorts, contract sizes, direct vs. resale, and financing side by side — or stack a DVC purchase against how you vacation today.
Price Breakdown
150 pts × $135/pt$20,250
No discounts configured for resale.
Net Purchase Price$20,250
Financed?
Total over 36 yrs$147,822
If invested instead$632,471
Total over 36 yrs$199,319
If invested instead$671,396
Your Comparison, Summarized
Over 36 years, "Aulani" is the cheapest option modeled here at $147,822 total, versus $199,319 for "Current Vacation Habit". Your cheapest DVC scenario becomes less expensive than your cheapest vacation alternative starting in 2039 — about 13 years from now.
Cumulative Cost Comparison
2026–2062 · Hover to inspect any year
Aulani
Current Vacation Habit
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Methodology: Each DVC scenario's cumulative cost = purchase price (or down payment + loan payments if financed) + all annual dues compounded at the selected growth rate. Each vacation-alternative scenario's cumulative cost = its annual cost compounded at the selected inflation rate. "If invested instead" = what the same cash flows would be worth if invested at the selected return rate instead of spent on that scenario. Break-even is the first year the cheapest DVC scenario's cumulative cost falls at or below the cheapest alternative scenario's. For financed scenarios, total interest paid = all loan payments over the term minus the amount borrowed; the dashed marker on the chart shows the year each loan is paid off. Resort expiration dates and prices are approximate and for planning purposes only.