The Stonegate Firm
- BBB-accredited, A rating
- Attorney-led exit process
- Money-back guarantee; escrow available via partner law firm
Timeshare Maintenance Fee Calculator
See what your timeshare really costs over 5, 10, 20 — up to 50 years as maintenance fees rise every year — instantly, free, no sign-up.
Your numbers
Estimates update instantly as you type.
Number of years to project, from 5 to 50. Deeded timeshares often run in perpetuity; right-to-use contracts commonly span 20 to 99 years.
Include special assessments, RCI or Interval dues, exchange fees, club dues, ARDA, reservation and guest-certificate charges.
Optional: average yearly special assessments, RCI or Interval International dues, exchange fees, club dues, ARDA contribution, reservation and guest-certificate fees, or loan paymentsTip: include special assessments, exchange/club fees, or loan payments in “other yearly costs” for a fuller picture.
Your projected cost over 20 years
$0
That’s what you’d pay in fees alone if increases average 6% per year — before travel, food, or the cost of getting there.
Final year’s fee
$0
Average per year
$0
Same money invested*
$0
Cumulative cost by year
| Year | Fee that year | Total paid | If invested* |
|---|
*Hypothetical value if each year’s payment were instead invested at a 7% average annual return, compounded yearly. For illustration only — not a prediction or investment advice. All figures are estimates based on your inputs.
Your cost per night — and whether a hotel is cheaper
$0per night of vacation you actually take
Enter a comparable nightly hotel rate above and we will run the same period on both sides.
How this stays a fair fight. We inflate the hotel rate at the same percentage you set for your maintenance fee, because there is no honest reason to assume your fees rise faster than hotel prices do. Calculators published by exit companies routinely inflate the timeshare side several times faster than the hotel side, which guarantees the answer before you type anything.
Two inputs are there to keep it honest in the other direction. Rooms you’d need matters because a two-bedroom villa is not a single budget hotel room, and comparing them that way flatters the timeshare. Hotel tax and resort fees defaults to zero, which flatters the hotel — a headline rate is not what you pay. There is no sensible national average to prefill: HVS surveys the 150 largest US cities annually and publishes a frequency distribution rather than a mean, precisely because the combined state, county, city and district rates vary too much to average. Connecticut tops its state table at 15%. Put in the rate for where you would actually stay.
Skipped years are the input almost every other calculator omits, and they move the answer more than anything else here. Your fees arrive whether or not you travel; a hotel costs nothing in a year you stay home.
Rather not pay another $44,000 in fees?
Maintenance fees don’t stop when the loan is paid off — and in many contracts they can continue indefinitely. If your timeshare no longer makes sense, a free consultation can clarify whether you qualify for a legitimate exit.
Advertising disclosure: we may receive compensation if you request a consultation through the link below. Learn more.
Eligibility depends on your ownership, your contract terms and the resort’s cooperation. The consultation is free and outcomes are not guaranteed without a review of your contract.
Why timeshare fees keep climbing
Maintenance fees fund the resort’s operating budget — staffing, utilities, insurance, property taxes, and periodic renovations — and that budget is divided among owners each year. Because those costs tend to rise faster than general inflation (insurance in coastal resort markets especially), most owners see annual increases in the mid-to-high single digits, on top of occasional one-time “special assessments” for major repairs. Industry surveys have typically put the average annual fee in the $1,000–$1,500 range, with luxury resorts charging considerably more. Crucially, the obligation usually has no end date: fees continue after the purchase loan is paid off, and with many deeded ownerships the contract is designed to run in perpetuity.
What you actually pay depends heavily on your brand’s fee structure — see our sourced breakdowns for Club Wyndham, Marriott Abound and Hilton Grand Vacations, or the national averages going back to 2019.
Fees are only part of it — purchase price, club dues and special assessments all stack up. We break the whole thing down in how much a timeshare really costs.
New to this, or explaining it to someone who is? Start with what a timeshare actually is — the three types, what one costs over 25 years, and the honest test for whether it is worth buying.
Thinking you will just sell it? Worth reading first: what timeshares actually fetch on the resale market, and why transfer costs mean many owners end up paying to give one away. For live broker asking prices brand by brand, see timeshare resale value.
Own Disney Vacation Club? DVC contracts expire on a fixed date, so the whole cost of ownership can be calculated rather than projected — our DVC calculator does it by resort.
Planning to swap your week for somewhere else? Exchanging is a second annual bill your maintenance fee does not cover — we compare RCI and Interval International 2026 fees from both companies' own schedules.
Own a fixed week and need to know the dates? Our free timeshare week calendar converts any week number to its Friday, Saturday and Sunday check-in dates for 2026 to 2035.
Wondering what happens if you simply stop paying? We set that out separately, sourced to statute and the CFPB rather than to companies selling exits: what happens if you stop paying timeshare maintenance fees.
That’s why the number above surprises people. A “paid off” timeshare with a $1,200 fee rising 6% a year quietly becomes a five-figure commitment every decade — which is worth knowing whether you keep it, hand it back, or exit.
Ready to stop paying? The top-rated exit companies
We compared exit firms on Better Business Bureau ratings, years in business, payment protections (escrow or a written money-back guarantee), and complaint history. Here are the top three — see the full top-5 comparison for details, sources, and how we rank. (Advertising disclosure: some links are compensated — details.)
Centerstone Group
- BBB-accredited, A+ rating
- Third-party escrow payment option
- Specialists in Mexican timeshares
Lonestar Transfer
- BBB A+ rating, 14+ years in business
- Written completion guarantee
- Title-transfer & deed-back specialist
Frequently asked questions
What does a timeshare cost per night?
Divide everything you pay by the nights you actually use. A $1,200 fee rising 6% a year comes to $44,143 over 20 years; used seven nights a year in nine years out of ten, that is $350 a night — before the purchase price. Skipped years move this figure more than anything else: go every other year instead and the same contract costs $631 a night. The calculator above works it out from your own numbers.
Is a timeshare cheaper than a hotel?
Sometimes, and the honest answer depends on three things most comparisons leave out: how many nights you genuinely use, how many years you skip, and how many hotel rooms the same trip would actually need. A two-bedroom villa is not one budget room. Our comparison inflates the hotel rate at the same percentage you set for your fees, because there is no honest reason to assume your maintenance fee rises faster than hotel prices — several published timeshare calculators inflate the timeshare side three or four times faster, which decides the answer before you type anything.
Is a timeshare worth it?
That is an arithmetic question before it is an opinion. Work out your cost per night of vacation actually taken, then compare it against booking the same trips outright, including tax and resort fees. If ownership comes in lower and you genuinely travel most years, it can be worth keeping. If it comes in higher — which is common for owners who skip years, or who financed the purchase — the ownership is costing you a premium for the booking convenience. The purchase price is the part people forget: it is sunk, so it belongs in the total but not in the decision about what to do next.
How much are timeshare maintenance fees per year?
Most owners pay roughly $1,000–$1,500 per year, though it varies widely by resort, brand, unit size, and season. High-end properties can exceed $3,000 per year, and one-time special assessments can add more.
Do maintenance fees really go up every year?
Almost always. Owners collectively fund the resort’s operating budget, and costs like insurance, labor, and renovations have historically pushed fees up around 5–8% per year at many resorts — faster than general inflation. Our calculator defaults to 6%, and you can set your own rate.
Do fees stop once my timeshare is paid off?
No. The purchase loan and the maintenance fee are separate obligations. Fees continue for as long as you own the timeshare, and many deeded contracts are written to run in perpetuity — which can pass the obligation to your estate.
What happens if I just stop paying?
Non-payment typically triggers late charges and collections, can damage your credit, and on a deeded timeshare can end in foreclosure. Most consumer advocates consider simply walking away a high-risk approach compared with a formal exit.
What are my options for getting out?
Start with your resort or developer — several major brands operate official deed-back or exit programs, sometimes at low or no cost. Other routes include reselling (resale values are typically very low), gifting or transferring, or hiring a reputable exit company or attorney. If you consider an exit firm, favor those offering escrow payment or a written money-back guarantee, and check their BBB record first — see our comparison of the top exit companies.
Is this calculator accurate?
It’s an estimate based entirely on the numbers you enter. Real fees don’t rise by the same percentage every year, and special assessments are unpredictable. Use it to understand the trajectory of your costs, not as a quote or financial advice.
Published by Timeshare Fee Calculator, an independent publisher. How we source figures and what we refuse to publish · How we rank