Independent guidance from Boat Club AdvisorsWhere membership may shine
You want access to a range of suitable boats and prefer not to manage storage, cleaning, repairs, trailering or launching. You accept shared availability and local operating rules.
Where ownership may shine
You want a particular boat, permanent customization, onboard storage or more control over longer trips. You also accept maintenance, ownership costs and the possibility of resale losses.
Compare without double counting
Use purchase price minus expected resale for depreciation. Add financing interest and operating expenses. Do not add loan principal again to a depreciation-based economic-cost estimate.
Compare membership and ownership costs with the calculator →