Financial Calculator

DVC Cost Calculator

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Calculator

Resort

Points: 150

25500

Room Type

Purchase Type

Include financing

Chart Assumptions

Hotel Rack Rate: $650/night

$300$1,500

Hotel Inflation: 4%/yr

2%8%

Your studio at Saratoga Springs costs

$343/night

47% cheaper than the $650/night rack rate

Upfront Cost

$15,550

resale + closing

Dues Year 1

$1,379

$9/pt

Nights/Year

150 pts total

Total Over 28 Yrs

$96,058

purchase + dues

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.

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.

Our recommended broker will contact you with pricing for Saratoga Springs.

150 points at Saratoga Springs