Spreadsheet Warriors - how have you calculated the all in real cost?


I always try to book a cash room with whatever discount I can, record that point and track 'value of stay' vs points and my initial cost to see when I break even. Which is a fake break even because I stayed at marriotts on points and big discounts (RIP my swan and dolphin stays!) with one splurge deluxe trip a year before DVC.
 
From my personal spreadsheet tab for DVC research, I have the following columns:

  1. Home resort
  2. UY
  3. Years remaining
  4. Annual dues
  5. Price
  6. Points
  7. Listed $ per DVC pt
From these inputs, I have formulas generated in other columns to show:
  • Estimated total dues (based on an assumed 2.7% annual increase)
  • Estimated total cost (Estimated total dues plus Price)
  • Total points (Points multiplied by Years remaining)
  • Estimated price per point (Estimated total cost divided by Total points)
Resale contracts from Copper Creek, BLT, Sara Springs, and Poly can have an Est $/pt around $13.70 while Hilton Head, Vero Beach, and Beach Club can be much higher at $16.40 per point. Pretty much the contracts that expire in 2042 have much higher annual dues and the fewest years remaining. Contracts with more years remaining typically have lower annual dues.

On the direct sales side, Poly seems to have lower dues than Disneyland Villas and Aulani which could be quite significant over the years.
 
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