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Plan your annual budget before you buy. Adjust LOA, region, mooring style, and sailing pattern to see indicative operating costs — not purchase price or refit reserves.

Your inputs

Indicative annual total

6 000 EUR – 10 300 EUR

Cost lineEUR / year
Marina (May–Oct)3 000 EUR – 4 500 EUR
Winter storage + haul-out800 EUR – 1 500 EUR
Hull + liability insurance600 EUR – 900 EUR
Antifouling + anodes400 EUR – 800 EUR
Engine service300 EUR – 600 EUR
Rig inspection reserve200 EUR – 500 EUR
Diesel (season)400 EUR – 900 EUR
Charts, anodes, train travel300 EUR – 600 EUR

Indicative annual operating costs only — excludes loan interest, major refits, and club fees.

Structured output (JSON)
{
  "tool": "ownership-cost-calculator",
  "version": "1",
  "currency": "EUR",
  "inputs": {
    "loaMeters": 11,
    "region": "se",
    "mooring": "archipelago",
    "usage": "weekend",
    "loaBand": "10-12"
  },
  "annualTotal": {
    "lowEur": 6000,
    "highEur": 10300
  },
  "lines": [
    {
      "key": "marina",
      "label": "Marina (May–Oct)",
      "lowEur": 3000,
      "highEur": 4500
    },
    {
      "key": "winter",
      "label": "Winter storage + haul-out",
      "lowEur": 800,
      "highEur": 1500
    },
    {
      "key": "insurance",
      "label": "Hull + liability insurance",
      "lowEur": 600,
      "highEur": 900
    },
    {
      "key": "antifouling",
      "label": "Antifouling + anodes",
      "lowEur": 400,
      "highEur": 800
    },
    {
      "key": "engine",
      "label": "Engine service",
      "lowEur": 300,
      "highEur": 600
    },
    {
      "key": "rig",
      "label": "Rig inspection reserve",
      "lowEur": 200,
      "highEur": 500
    },
    {
      "key": "diesel",
      "label": "Diesel (season)",
      "lowEur": 400,
      "highEur": 900
    },
    {
      "key": "misc",
      "label": "Charts, anodes, train travel",
      "lowEur": 300,
      "highEur": 600
    }
  ],
  "disclaimer": "Indicative annual operating costs only — excludes loan interest, major refits, and club fees.",
  "source": "FairHelm ownership academy bands (SE archipelago 2024–2025) with regional multipliers."
}

Methodology

Line-item bands follow FairHelm ownership academy ranges for Swedish archipelago cruising (2024–2025). Regional multipliers adjust marina and yard tariffs; mooring and usage profiles scale marina, diesel, and misc lines only. Read the full Sweden cost guide or browse ownership academy articles.

FAQ

Does this include loan payments or major refits?
No. The calculator covers typical annual operating costs — marina, insurance, winter storage, routine maintenance, and diesel. Finance, osmosis treatment, rig replacement, and teak decks are separate capital events.
Which region should I pick?
Sweden uses Stockholm/Gothenburg archipelago baselines. Denmark applies a modest uplift on marina and yard tariffs. Germany uses Baltic and North Sea marina averages — confirm your home port contract.
Where do the numbers come from?
Line-item bands are seeded from FairHelm ownership academy articles (2024–2025 Nordic ranges) and scaled by mooring profile and usage. Your marina and insurer quotes remain authoritative.

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