An independent financial guide
Should You Buy Disney Vacation Club?
DVC is intentionally confusing. This guide cuts through the noise and helps you decide if it actually makes financial sense for your family.
Preview Resort
Saratoga Springs
28 years remaining · $95/pt resale · $9.19/pt dues · 150 points
When do you break even?
Compares owning DVC vs. paying hotel rack rates vs. renting someone else's DVC points each year.
DVC ownership (cumulative)
Hotel rack rate (cumulative)
Renting DVC points (cumulative)
DVC breaks even vs. hotel prices at year 3. It breaks even vs. renting points at year 9.
How your annual dues will grow
Dues have never gone down in 30+ years. The 2026 average increase was 6.38% — the highest in recent memory.
Optimistic (3%/yr)
Expected (5%/yr)
Pessimistic (7%/yr)
At 5% annual increases: Year 1 = $1,379, Year 10 = $2,139, Year 20 = $3,483. Dues double roughly every 14 years.