Timeshare True Cost Calculator
True Cost Calculator
What is your timeshare really costing you?
Adjust the sliders to match your situation and see the full picture — mortgage interest, rising maintenance fees, and special assessments included.
Mortgage & Purchase
Purchase PriceThe original price you paid or financed for the timeshare.
$20,000Down PaymentAmount paid upfront at purchase.
$2,000Interest RateTimeshare loans typically carry 14–20% APR — much higher than a home mortgage.
17%Loan TermNumber of years to repay the financed balance.
10 yrsMaintenance & Fees
Annual Maintenance FeeYour current yearly maintenance fee billed by the resort.
$1,200Annual Fee EscalationMaintenance fees have historically risen 4–8% per year — often faster than inflation.
4%Avg. Special Assessments / yrOne-time charges for resort repairs, renovations, or emergencies — common every few years.
$500Years of OwnershipHow many years you plan to model — or have already owned the timeshare.
10 yrsYour 10-Year Total Cost
Monthly mortgage payment$313
Total mortgage paid (incl. interest)$39,540
Interest paid on loan+$19,540
Total maintenance & assessments$19,407
Maintenance fee in year 10$2,208/yr
Grand Total Over 10 Years$58,948
Cost per year
$5,895
Cost per week
$113
What this doesn't include
- • Travel costs to reach the resort each year
- • Exchange fees if you use RCI or Interval International