I gather info from websites online to calculate my stays, but I work in a text file to do my calculations.
Hotel: I use Mousesavers.com. Go to DW Resort Discounts. In a yellow box is a link to 2014 rack rate prices for each resort, each level, and pricing in the various Disney pricing "seasons."
http://www.mousesavers.com/2014-disney-world-resort-room-rates-season-dates/
Find the dates you want. Friday and Saturday nites will be charged the weekend rate. Add tax of 12.5% (room x 1.125). (All Star Resorts add 13% tax.) You will have your per-day total room cost. Based on the extra charge for Friday and Saturday nite, you might tweak your dates a little.
Be ready to call Disney Reservations on the phone to change your reservation to include discount pricing when it appears. I can also get discounts from AAA (usually 15%) and Military Retiree Program (30-35-40%). Planning this far out, AAA might not have discounts published yet. Keep checking. Keep looking on the Disboards Forum, "Disney Discount Codes and Rates" for Disney discount specials as they are announced.
http://www.disboards.com/forumdisplay.php?f=93
Dining Plan: 2014 pricing is not officially published, but below is best guess pricing to roughly calculate your daily cost pp. Dining Plan nightly rate already includes Tax, so you
do not add the room tax to it.
Tickets: If you book room only, you aren't obligated to purchase tickets.
Purchasing a dining plan means you will have to buy a minimum one-day base ticket for each person in a room.
Free Dining means you will have to purchase minimum two-day base tickets for each person in a room, a minimum 3-nite stay, and full rack rate for your room cost. A split stay is considered separate reservations. Dining Plan for each stay will require minimum tickets for each reservation. Tickets also
do not figure in your room tax calculation. They are taxed separately at 6.5%. Disney ticket prices are listed pre-tax.
Undercover Tourist tickets are listed including tax and free shipping. Other 3rd party Resellers may or may not include tax and shipping in their price. You have to be careful to note that when comparing prices.
You want to purchase tickets to cover your entire stay, not separate tickets for each leg of your stay. Disney's ticket prices are front-loaded, and get cheaper the more days you buy. For 10 days at WDW parks, staying 5 nights at one resort and 5 nights at a second resort, it's much cheaper to buy a 10-day ticket (Disney pretax $339) than to buy two 5-day tickets (Disney pretax $289 + $289 = $578 Total) for each person.
With a split stay and a purchased Dining Plan, although you are obligated to purchase minimum one-day base tickets per reservation, buy all your park days with your first reservation. For the second reservation, purchase the one-day tickets and keep these tickets for another trip, or sell them. They never expire and they are completely transferable if unused.
Some people, like me, purchase tickets for the entire trip thru Undercover Tourist or other authorized Reseller. Then the minimum Dining Plan tickets from each reservation are kept for later use.
To calculate Disney ticket cost, use this current pricing list. This is from the Ticket Sticky, "Everything About WDW Tickets." It's Post #18.
http://www.disboards.com/showpost.php?p=33009006&postcount=18
Add Disney Ticket price plus 6.5% tax (cost x 1.065) to get your total cost.
Trip Insurance: It's up to you to decide about this. Disney Reservations may or may not place it on your reservation, based on your conversation.
Be Clear if you don't want it, and look at your invoice to see if it's been added. There is only a certain time period to cancel Disney trip insurance. There's other sources of trip insurance that are a better buy than Disney's plan.
Airfare: Best to book your own, so you have immediate control of this at all times. Call Disney Reservations by phone, when your air plans are complete, to make your arrangements for Disney Magical Express service.