Tivat, Montenegro - June 30, 2021: Luxury yacht in Porto Montenegro marina
Financial Planning Tool

Reserve Management Calculator

Plan your boat expenses with precision. Track fixed costs, variable expenses, and build smart reserves for unexpected maintenance and repairs.

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Annual Budget
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Monthly Average

Fixed Costs

Regular, predictable expenses

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Annual fees
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Monthly payment
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Fixed Costs Total
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Variable Costs

Usage-based and fluctuating expenses

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Oil changes, filters, cleaning supplies, etc.

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Unexpected repairs and replacement parts

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Off-season storage and winterization services

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Regular cleaning and detailing services

Variable Costs Total
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Reserve Fund

Build savings for major expenses and emergencies

Reserve Strategy

Build a reserve fund to cover major repairs, equipment replacement, and unexpected expenses. Financial experts recommend setting aside 10-15% of your boat's value annually for reserves.

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Total Reserve Contribution

Recommended monthly savings for all reserves

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Location & Distance Calculator

Estimate fuel costs based on your boating destinations

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Round Trip
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Total Distance-Based Fuel Costs

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Annual Cost

Complete Budget Summary

Your comprehensive boat ownership cost breakdown

Fixed Costs

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per month
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Variable Costs

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Reserves

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Total Budget

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Cost Breakdown

Monthly Expenses

Fixed Costs $0
Variable Costs $0
Reserve Contributions $0
Total Monthly $0

Annual Expenses

Fixed Costs $0
Variable Costs $0
Reserve Contributions $0
Total Annual $0

Operating Cost Per Hour

Calculate your actual cost per hour of boat operation based on total annual expenses and usage

Typical range: 50-200 hours/year for recreational boats

Your Operating Cost
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per hour of operation
Total Annual Budget: $0
This calculation helps you understand the true cost of each hour on the water, useful for charter rate calculations and budgeting decisions.