How Much Money Should I Take on a Cruise?

The million-dollar question, or perhaps the several hundred dollar question, when planning a cruise is: how much money should I bring? There’s no single, perfect answer, as it depends entirely on your cruising style, destination, and planned activities. However, a good rule of thumb is to budget at least $50 to $150 per person, per day, on top of your cruise fare. This covers discretionary expenses like tips, shore excursions, drinks, souvenirs, and onboard activities not included in the base price. More lavish cruisers might budget significantly more. Consider this a minimum baseline, adjusted upwards based on your personal tastes.

Understanding Onboard Expenses

Before we dive into specific budgeting tips, let’s break down the primary categories where you’ll likely spend money on your cruise. Understanding these categories allows for more precise pre-cruise financial planning.

Tipping/Gratuities

Tipping is virtually mandatory on most mainstream cruises. While some cruise lines now include gratuities in the fare, many still charge a daily rate per person that’s automatically added to your onboard account. This covers service staff like cabin stewards, dining room servers, and bartenders. Expect to pay around $14 to $20 per person, per day for standard gratuities. Check your cruise line’s policy before sailing to understand if gratuities are included or will be added automatically. You can often prepay gratuities before your cruise, locking in the current rate.

Shore Excursions

Shore excursions can significantly impact your budget. These optional activities, ranging from guided tours to adventurous experiences like zip-lining or snorkeling, provide opportunities to explore the ports of call. Prices vary wildly, from $50 for a simple walking tour to hundreds of dollars for elaborate experiences. Research and book excursions in advance to secure your spot and potentially save money compared to booking onboard. Also, consider independent excursions booked outside the cruise line for potentially better value, but be sure to factor in reliability and travel time back to the ship.

Alcoholic Beverages

Alcoholic beverages are a major expense for many cruisers. Unless you have a beverage package (more on that later), each drink, including beer, wine, and cocktails, will be charged to your onboard account. Prices typically range from $7 to $15 per drink, and they can quickly add up. If you enjoy alcoholic beverages, consider purchasing a beverage package or setting a daily spending limit to avoid a shocking bill at the end of your cruise. Some cruise lines allow you to bring a limited amount of alcohol onboard, which can help reduce costs.

Specialty Dining

While the main dining room and buffet are included in your cruise fare, specialty restaurants often offer a more refined dining experience at an additional cost. These restaurants can range from steakhouses and Italian eateries to sushi bars and teppanyaki grills. Prices vary depending on the restaurant, but expect to pay a cover charge of $20 to $50 per person, or order à la carte. Many cruisers enjoy trying one or two specialty restaurants during their cruise.

Shopping and Souvenirs

Onboard shops and port markets are tempting places to spend money on souvenirs, clothing, jewelry, and other items. Budget a reasonable amount for these purchases, and be mindful of prices, as they can sometimes be inflated. Remember, you’ll likely find similar items for lower prices in port if you shop around.

Spa and Wellness

Cruise ships often feature luxurious spas offering massages, facials, and other treatments. These services come at a premium price. If you plan to indulge in spa treatments, factor them into your budget. Look for special offers or discounts advertised in the daily program.

Casino and Gambling

The onboard casino can be a significant source of entertainment (and potential expense). Set a strict budget for gambling and stick to it. Remember, the odds are always in the house’s favor.

Onboard Activities and Entertainment

While many onboard activities and shows are included in your cruise fare, some may require an additional fee. These could include fitness classes, cooking demonstrations, or special events. Check the daily program for details.

Tips for Budgeting Your Cruise Expenses

Now that you have a better understanding of potential onboard expenses, here are some tips for budgeting effectively:

• Pre-plan and Book in Advance: Booking shore excursions, specialty dining, and spa treatments in advance can often save you money and guarantee availability.
• Consider a Beverage Package: If you plan to drink alcohol, a beverage package may be cost-effective. Calculate your estimated consumption to determine if it’s a worthwhile investment.
• Set a Daily Spending Limit: Decide how much you’re comfortable spending each day and track your expenses to stay within your budget.
• Use Cash for Certain Expenses: Consider using cash for smaller purchases like souvenirs or drinks to avoid overspending.
• Take Advantage of Free Activities: Many onboard activities are included in your cruise fare. Participate in these activities to save money on paid alternatives.
• Review Your Onboard Account Regularly: Keep an eye on your onboard account to avoid surprises at the end of your cruise.
• Factor in Pre- and Post-Cruise Expenses: Don’t forget to budget for transportation, accommodation, and meals before and after your cruise.
• Credit Card Benefits: Check if your credit card has any travel perks like no foreign transaction fees or rewards points.

Cruise Budgeting FAQs

Here are some frequently asked questions about budgeting for a cruise:

1. Are gratuities really mandatory on a cruise?

While technically not “mandatory,” gratuities are strongly encouraged and widely expected. It’s a significant portion of the crew’s income. You can adjust the amount at the guest services desk if you receive exceptionally poor service, but be prepared to justify your decision.

2. What are the pros and cons of buying a beverage package?

Pros: Predictable costs, unlimited drinks within the package’s parameters. Cons: Can be expensive if you don’t drink enough to justify the cost, restrictions on certain premium beverages.

3. How can I save money on shore excursions?

Book independent excursions, explore ports on your own, or take advantage of free activities like walking tours or beach visits.

4. Is it cheaper to buy souvenirs onboard or in port?

Generally, it’s cheaper to buy souvenirs in port, especially if you’re willing to haggle. However, be aware of counterfeit goods and purchase from reputable vendors.

5. Should I bring cash or rely on my credit card?

A mix is best. Use cash for smaller purchases and tips, and your credit card for larger expenses and emergencies. Ensure your credit card has no foreign transaction fees.

6. How do onboard accounts work?

Your cruise card acts as a form of payment. You link it to a credit card or debit card. All onboard purchases are charged to your account, and you settle the bill at the end of the cruise.

7. Can I bring my own drinks onboard?

Most cruise lines allow you to bring a limited amount of non-alcoholic beverages, and some allow a bottle or two of wine per cabin. Check your cruise line’s policy before you pack.

8. Are there hidden fees I should be aware of?

Be mindful of internet access charges, laundry services, and onboard activities that require an additional fee.

9. What happens if I go over my budget?

It is easier than you think to go over budget. Be prepared to pay with your credit card.

10. Are cruises really all-inclusive?

While your cruise fare includes accommodation, main dining, and some onboard activities, it doesn’t cover everything. Gratuities, shore excursions, alcoholic beverages, specialty dining, and other optional expenses are typically extra.

11. How does currency work on a cruise?

Most cruises in the Caribbean and North America use US dollars. European cruises typically use Euros. Check with your cruise line for the specific currency used onboard.

12. Is it possible to have a great cruise on a tight budget?

Absolutely! By focusing on free activities, packing snacks and drinks (within the cruise line’s policies), and carefully planning your spending, you can have a memorable cruise without breaking the bank. Researching discounts and taking advantage of onboard promotions can also help you save money.

By carefully considering these factors and planning your budget accordingly, you can ensure a financially sound and enjoyable cruise vacation. Remember that careful pre-planning is the key to an amazing cruise experience.