Enter a net worth and a spending pattern, choose whether the balance keeps earning returns while it's drawn down, and the ledger below works out how long it lasts — full-time life at sea, or a yearly cruise habit.
$
The pool of money this plan draws down.
$
Back-to-back long cruises booked at a discount run cheaper per night than a single one-week trip.
$
Insurance, prescriptions, phone, storage, flights between cruises, etc.
$
$
Leave at 0 if the cruises are the only thing this net worth is funding.
Money keeps earning while it's spent
%
The ledger says
—
—
Balance over time
ESTIMATE ONLY — assumes steady spending and a flat annual return with no taxes, market swings, healthcare shocks, or inflation. Real cruise pricing and returns vary. Not financial advice.