The purchase price is the smaller decision. The calculator below estimates what the yacht in front of you will cost every year you keep it, category by category, against named source assumptions.
The Superyacht Report OpEx Survey, Q2 2026, places average owner time aboard private yachts at 17 weeks per year. The vessel, crew, and cost structure run for all 52.
€1,502,301
35 m motor yacht, private, single season, Western Mediterranean, moderate use
The Superyacht Report OpEx Survey, Q2 2026, captures annual operating budgets across the 28 to 83 metre captain-led fleet. Your modelled total sits in the Under €/$2m band, where 38% of surveyed yachts report.
Survey covers 28 to 83 metre yachts; results below 28 metres are extrapolated downward from the model.
These are indicative estimates against named source assumptions. Every yacht is different. For a tailored budget, write to Foreland Marine, the consultancy that publishes The First Owner’s Reference.
Speak with Foreland MarineCrew is almost always the single largest line item in your annual budget. A 40 m motor yacht might carry a crew of seven or eight, each with salary, insurance, travel, and training costs. As the yacht grows, crew numbers increase and so do the qualifications required. A captain on a 60 m vessel commands a very different salary to one on a 24 m sailing yacht.
Insurance and maintenance are the two categories that catch first-time owners off guard. Hull and P&I premiums are driven by yacht value, cruising range, and claims history. Maintenance is not optional. Even a well-built yacht needs continuous attention, and deferred maintenance always costs more in the long run.
Fuel costs vary dramatically between sailing and motor yachts. A 50 m motor yacht burning 300 litres per hour at cruising speed will spend more on fuel in a single Mediterranean season than a similar-sized sailing yacht spends in a year. Usage intensity matters too.
The best way to avoid budget surprises is to work with an experienced management company that provides transparent monthly reporting. A good manager will not just pay the bills. They will help plan ahead, negotiate contracts, and make informed decisions about where to spend and where to save.
Annual running costs run from approximately EUR 600,000 for a 24-metre sailing yacht at light use, to EUR 4 to 5 million for a 50-metre motor yacht at moderate use, to EUR 8 million and above for an 80-metre operating year-round. The main cost categories are crew (30-40% of the total), insurance, maintenance, marina berths, fuel, management fees, and regulatory compliance. As a rough guide, expect 12 to 15 percent of purchase price for a new 40 to 50 metre yacht at moderate use, rising to 12 to 20 percent for older or larger vessels and higher again on charter-active programmes. The actual figure depends heavily on vessel type, size, cruising area, age, and use intensity.
The 10% rule is industry shorthand for budgeting roughly 10 percent of the yacht's purchase price each year for running costs. The rule has no traceable origin and is roughly correct only for new, mid-sized, lightly used yachts. Independent practitioner ranges cluster between 8 and 15 percent for the first decade; for yachts over 40 metres, older than seven years, or operating charter, the empirical band runs 12 to 20 percent. The rule is a starting point, not a budget.
Crew costs are almost always the largest single expense, typically 30-40% of the annual budget. After crew, the next largest costs are maintenance and repair (including class surveys and periodic refits), insurance (hull, P&I, and crew medical), and marina berths. Fuel costs vary dramatically between sailing and motor yachts. Management fees, regulatory compliance, and a contingency reserve of 8-10% should also be budgeted.
Crew costs depend on yacht size and the number of crew required. A 30-metre yacht with 5-7 crew might spend EUR 300,000-450,000 per year on total crew costs. A 50-metre yacht with 12-16 crew could spend EUR 900,000-1,400,000. These figures include salaries, social charges, insurance, travel, training, uniforms, and provisions.
Sailing yachts are generally less expensive to run than motor yachts of equivalent size. The main saving is fuel. However, sailing yachts have costs that motor yachts do not, including rig maintenance, sail inventory, and specialist rigging inspections. Overall, a sailing yacht's annual running costs are typically 15-25% lower than a comparable motor yacht.
Insurance costs depend on the yacht's value, type, age, cruising area, and claims history. Hull and machinery insurance typically costs 0.8-1.5% of the yacht's insured value per year. P&I (Protection and Indemnity) cover adds another 0.3-0.4%. Charter yachts require commercial insurance, which can be 30-40% more expensive than private cover.
The cost model behind this calculator is based on published industry data, supplemented by Foreland Marine’s direct experience managing yachts in the 24 to 60 metre range.
Captain, officer, and crew salary ranges by vessel size and type.
Senior and junior crew pay bands.
Hull and machinery insurance rates, P&I cover premiums, and regional risk factors.
MYBA Charter Market practice
Charter fleet operating costs, commercial insurance premium ranges, and crew benchmarks.
Captain-led survey across the 28-83 metre fleet: annual operating budget distribution, owner time aboard, yard weeks, and per-charter-week spend.
Commercial compliance survey costs, manning requirements, and flag-state fee schedules.
Foreland Marine operational data
Real-world budget data from yachts under our management, anonymised and aggregated.