Luxury Cruise Onboard Credit Planner

Compare the onboard credit you have banked against specialty dining, beverage upgrades, excursions, spa time, and service charges so you know exactly how much cash to reserve for a premium cruise experience.

Total nights onboard, including embarkation night if billed.
Combine promotional credits, shareholder perks, and loyalty bonuses.
Include cover charges, wine pairings, mixology classes, and beverage packages.
Tours, private guides, cabanas, thermal suites, and spa services.
Defaults to $0.00 if blank; only include if your line allows credit to cover gratuities.

Verify category eligibility with your cruise line because terms differ across promotions.

Examples

  • 7 nights, $600 credit, $420 dining, $380 excursions → credit coverage 75.00%, out-of-pocket $200.00, nightly cash need $28.57, no gratuities included.
  • 10 nights, $900 credit, $330 dining, $270 excursions, $210 gratuities → credit coverage 100.00% (overfunded), out-of-pocket $0.00, nightly cash need $0.00, leftover credit $90.00.

FAQ

Can onboard credit cover daily gratuities?

Many premium lines apply credit to automatic gratuities, but some exclude them. Confirm with your cruise line before assuming the credit will post against service charges.

What happens if credit remains at disembarkation?

Most luxury lines forfeit unused credit or convert it into a future cruise offer, so plan to spend the balance before the final night.

Should I prepay packages or rely on onboard spending?

Compare the leftover credit output with package costs. If the tool shows a large cash gap, prepaying on land can lock in promotional rates and avoid foreign transaction fees.

How can I account for casino or retail spend?

Add those estimates to the excursions & spa input to fold casino chips, boutiques, or duty-free splurges into the same discretionary bucket.

Additional Information

  • Coverage percentage equals onboard credit divided by discretionary spending categories entered above and caps at 100% with an overfunded note when credit exceeds the plan.
  • Per-night cash requirement divides any out-of-pocket total by cruise nights so you can set a daily envelope.
  • Optional gratuities are counted only when your cruise line allows onboard credit to settle service charges.
  • Leftover credit output shows whether you should prebook specialty experiences before embarkation to avoid forfeiting funds.

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