Ownership cost calculator
Compare boats by true cost, not just price.
Estimate annual cost range, monthly cost, financing, storage scenario, fuel, insurance, maintenance reserve, and cost per outing before you make an offer.
Ownership assumptions
Purchase price is only part of the cost. Storage, fuel, maintenance, and winterization can materially change annual ownership.
Choose a boat
Choose a model for a closer estimate. If you do not know it, choose the nearest boat type.
Boat assumptions
Boat
Midsize bowrider
Fuel profile
Similar boat type
Confidence
Moderate
Category
Midsize bowrider
Fuel setup
MerCruiser 6.2L 300hp
Ownership type
Entry / midsize bowrider
Purchase method
Typical trip pattern
Trip pattern adjusts active engine time and intensity. The selected boat/category informs the baseline fuel assumption.
Auto-estimated from selected boat and trip profile
Changing outings updates seasonal totals without changing the selected trip pattern.
Storage scenario
Trailered/home storage is usually cheaper. Marina slips and dry-stack storage can materially raise ownership cost, especially for pontoons, wake boats, premium day boats, and cruisers.
Ownership timeline
Include estimated value change in cash-flow view?
Depreciation is estimated over your ownership period, annualized, and shown as value-change exposure rather than a guaranteed yearly loss.
Annual cash-flow estimate
$11,100-$13,900
Annual ownership range including estimated financing and recurring costs.
Fuel pattern: Half-day family outing. Mixed burn: 18.2-22.3 L/hr from similar boat type.
How fuel was estimated
Estimated using a representative Midsize bowrider profile, a half-day family outing pattern, 22 seasonal outings, and the selected fuel price. Estimated engine hours per outing: 2.5. Confidence: Moderate.
Monthly cost
$1,042
Cost per outing
$569
Annual financing
$5,410
Annual total
$12,510
Purchase price
$48,000
Fixed costs
$7,910
Variable costs
$4,600
Value change shown separately
$2,000 / year
Lower estimated value-change exposure
Estimated value change is not included in the main ownership cash-flow range. It is shown separately as average annual depreciation exposure over 5 years.
Estimated value change over 5 years: $10,000. Projected resale planning value: $38,000.
Based on typical used-market aging, not a guaranteed resale result. Actual resale depends on condition, season, hours, maintenance records, options, location, and buyer demand.
Ownership reality check
Annual carrying cost is high relative to purchase price. Verify storage, financing, maintenance, and fuel assumptions.
BoatLens estimates are planning estimates, not quotes. Actual costs vary by boat, engine, usage, location, condition, storage choice, insurance quote, maintenance history, and fuel price.
Cost assumptions
The ownership calculator uses the selected boat or boat category plus the numbers shown in your inputs. Financing is only included when financing is selected; cash purchases keep purchase price separate from recurring annual cost.
View estimate details
Insurance
User-entered
$700 / year
Directional Canadian insurance planning estimate based on boat value, class, horsepower/performance risk, and complexity. Replace with a broker/insurer quote. Class: Entry / midsize bowrider. Confidence: Low. Editable: yes.
Marina/slip/mooring
User-entered
$500 / year
Directional Canadian trailered/home-storage estimate. Entry bowriders can be trailered; marina use should raise the estimate materially. Local marina, lift, dry-stack, winterization, shrink-wrap, haul-out, and launch quotes vary widely. In-season portion for Entry / midsize bowrider. Confidence: Low. Editable: yes.
Winter storage/winterization
User-entered
$1,300 / year
Directional Canadian trailered/home-storage estimate. Entry bowriders can be trailered; marina use should raise the estimate materially. Local marina, lift, dry-stack, winterization, shrink-wrap, haul-out, and launch quotes vary widely. Winter portion for Entry / midsize bowrider. Confidence: Low. Editable: yes.
Maintenance reserve
User-entered
$2,700 / year
Runabout reserves are driven by drive type, age, trailer, upholstery, and seasonal service; older sterndrives get extra risk adjustment. Age, propulsion, horsepower, model complexity, and engine-hour band adjust the reserve. Class: Entry / midsize bowrider. Confidence: Low. Editable: yes.
Fuel
Boat-type estimate
$1,900 / year
Similar boat type. Fuel price default is a planning estimate unless edited. Confidence: Moderate. Editable: yes.
Financing
Planning estimate
$5,410 / year
Estimated from 9600 down, 7.25% APR, 10 years. Confidence: High. Editable: yes.
Estimated value change
User-entered
$2,000 / year
Average annual depreciation exposure over 5 years. Based on typical used-market aging, not a guaranteed resale result. Confidence: Low. Editable: yes.