Boat & Marine Calculators
5 free calculators — all 50 states
Compare the cost of every part of owning a boat: insurance, financing, fuel, depreciation, and total annual ownership cost, in one place.
All Calculators
Boat Depreciation Calculator
Model what a boat is worth at any age: value = price x (1 - rate)^years. A $50,000 boat models to $42,500 after one year and $22,117 after ten. See the year-by-year curve, and what your insurance actually pays at each age.
Boat Fuel Cost Calculator
Modeled 150 HP gas example at 45% load: 6.75 GPH, ~$28/hour or $110 for 4 hours at EIA's $4.09 road price—not a marina quote.
Boat Insurance Cost Calculator
Progressive's own published averages: ~$301/yr across its 17 lowest-cost states, $400/yr medium, $657/yr across its 17 highest — about $25–$55/month. Your premium depends on coverage structure, cruising waters, boat type and deductible, not on your boat's value.
Boat Loan Calculator
A $50,000 boat with $10,000 down at 6.5% over 10 years is $488/month — and $15,591 of interest, because 6% sales tax is financed too. Compare terms, rates, and paying tax at signing.
Boat Ownership Cost Calculator
A $50,000 boat runs about $17,750 a year — $1,479 a month — at these assumptions, and 61% of it arrives whether you leave the dock or not. See the line-item stack, and what one day on the water actually costs.
About Boat & Marine Calculators
Compare the cost of every part of owning a boat: insurance, financing, fuel, depreciation, and total annual ownership cost, in one place. All 5 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.