This is just my opinion, I wouldn't use that calculator. It really just averages and in no way can tell how much you might or might not spend if you were paying out of pocket. If you really want to know if you are saving money, I would go to the current menus and, be honest about what you would really eat from that menu, then add up the cost. You are not always going to want the most expensive thing on the menu, some days you might want to eat lighter, some days heavier. While there is no way to know what you are really going to want on a given day, you are going to come out better adding up the actual costs. Then do your comparison. For some, it isn't about money, it's about the comfort factor of knowing that the meals are paid in advance and they just don't have to worry about it, other's feel even if they saved money, having to be so structured in their eating isn't worth it. Only you are going to be able to know if it works for you. Also, for anyone who thinks they are getting "free" dining, you are not. You are paying rack rate for a room that you may or may not have paid rack rate for, often it is a type of room you may not have wanted otherwise, say preferred. Again, you would need to look at the room only discount then add the dining plan or out of pocket to see if you really were saving money. I've found, and this is only for me and mine and the way we eat, the dining plan does not save us money, we tend to save more with the room only rate. Part of that is because I shop room discounts and usually when WDW is offering a discount, Orbitz will be offering that same discount with either a 15% or 20% discount on top of that. We don't eat the way the dining plan dictates. There are days we just want to snack all day with no sit down meals, when I say snack I don't mean a mickey bar or popcorn, I mean usually some small something around the world showcase. There are days when we are eating at table service that I want an appetizer, a salad and we will share a dessert. I don't drink anything but adult beverages and water, no soft drinks or iced tea, although I do drink coffee but since I stay at moderate and deluxe resorts, that is free in the room. There are days when we just want all qs meals and when we do that, I tend to eat a child's meal. Not because I'm trying to save money but because I'm just not a big eater. I'm pretty sure even if the DP came out less for us we wouldn't use it, for those reasons alone. We also rarely if never used the snack credits when we did get the dining plan, we don't snack between meals, again just not big eaters. We don't nor have we done character meals and rarely do buffets (the only exception to that is breakfast at the dolphin), I'm not a big fan of the buffet since I'm not a big eater they are just a waste and the food never seems really fresh to me. It's a pain in rear to do all the prep work and comparisons but it is the only way to truthfully know what is right for your family.