What is the 10% rule for boat maintenance?

The marine industry 10% rule recommends budgeting approximately 10% of the vessel's market value each year for routine maintenance, engine service, bottom paint, impeller replacements, and storage.

What is the US Coast Guard 1/3 marine fuel safety rule?

The USCG 1/3 rule dictates allocating 1/3 of your fuel tank to get to your destination, 1/3 to return to port, and keeping 1/3 as emergency reserve for rough seas, detours, or head currents.

Boat Total Cost of Ownership Solver

Uncover the true financial reality of boat ownership. Model slip fees, winter storage, marine insurance, fuel, and cost per day on the water.

Purchase & Recurring Marine Expenses

Marine Industry Standard

Boat Purchase Price ($)

Annual Marina Slip / Storage ($)

$ / yr

Annual Marine Insurance ($)

$ / yr

Winterization & Shrink Wrap ($)

$ / yr

Engine Run Hours / Year

hrs / yr

Fuel Burn (GPH) @ $4.50/gal

GPH

Estimated Days on the Water / Year

days / yr

Annual Ownership Outlay

Total Annual Cost of Ownership

$11,100.00 / yr

Cost / Day on Water $444/day

Fuel Expense $1,800/yr

5-Year Outlay $55,500

Maintenance & Repair Reserve (10% Rule) $3,600.00 / year (Engines, Anodes, Impellers)

Monthly All-In Recurring Cost $925.00 / month

Boating Golden Rule The two happiest days: the day you buy, and the day you sell

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