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Timeshare Math

Should you buy that timeshare, or just rent it?

A timeshare presentation will hand you a 90-minute version of the truth. This is the 90-second version, with every number from the industry's own data: lifetime cost, opportunity cost, and the exact same week available on RedWeek for a fraction.

Takes about 90 seconds to complete. No account needed.

1

Enter the offer details

Purchase price, annual fees, and how you'd use it.

2

We run the lifetime math

Total cost, opportunity cost, and the rental alternative.

3

See the real comparison

Buy vs. rent — with the industry's own numbers.

The offer

12 major developers. Pick yours to autofill price and fees — you can override below.

Industry average per ARDA 2025 is $23,160. Brand averages range $15k–$45k.

Avg per Ernst & Young 2025. Escalates ~5% per year, baked into the math.

Most owners keep 15-25 years before resale or default.

Financing

Fill in the offer — we'll show what ownership actually costs vs. booking the same trip every year.

How we got these numbers

Average purchase price ($23,160), financing rate (~17%), and ownership length come from the American Resort Development Association's 2025 State of the Industry report. Annual maintenance ($1,480) and ~5% escalation come from Ernst & Young's 2025 timeshare study. Resale recovery (~10%) reflects RedWeek and Timeshare Users Group resale data — most timeshares sell for pennies on the dollar. Opportunity cost uses 7% (S&P 500 long-term average).

See sources