How much spending money should you plan for?
One of the questions I hear most often—from first-time cruisers and seasoned travelers comparing lines—is some version of, "How much spending money will I need beyond the fare?" It’s a smart question, and asking it early in the planning process already puts you ahead of the game.
The cruise fare you see advertised usually covers the essentials: your cabin, meals in the main dining venues, basic beverages, onboard entertainment and transportation between ports. What it doesn’t typically include are the extras that make a trip feel personal and effortless:
- Shore excursions and guided tours
- Specialty or upgraded dining options
- A glass of wine or cocktails with dinner
- Spa treatments or salon services on sea days
- A reliable internet connection to check in back home
My goal here is to walk you through those categories clearly and honestly so you can put together a realistic budget that suits the way you like to travel. With a little planning up front, you’ll be able to enjoy every moment of your cruise without worrying about overspending or running short.
Table of Contents
- Why Your Cruise Fare Is Only Part of the Picture
- What Do Most Cruisers Actually Spend Per Day?
- Breaking Down the Major Spending Categories
- How Much Cash Should You Bring?
- Sample Budgets for Different Travel Styles
- Is $2,000 Enough for Extras on a Cruise?
- Strategies to Manage Your Onboard Spending
- How a Travel Advisor Can Help You Budget with Confidence
- Frequently Asked Questions About Cruise Spending Money
Why Your Cruise Fare Is Only Part of the Picture
I like to think of the cruise fare as the foundation of your vacation. It gives you a comfortable place to sleep, plenty of food, live entertainment, and the incredible experience of waking up in a new destination. That foundation is substantial, and for some travelers, it is genuinely enough. But many of the moments that turn a wonderful cruise into an unforgettable one come from the choices you make beyond that foundation.
Framing these additional costs as customization rather than hidden fees changes the entire conversation. You are not being nickel-and-dimed; you are deciding which experiences matter most to you. One traveler might prioritize a private shore excursion in every port. Another might prefer to spend on a premium beverage package and specialty dining while exploring ports independently. Neither approach is wrong. Understanding what things cost upfront simply gives you the freedom to make intentional choices rather than feeling surprised when you review your onboard account on the last evening of the cruise. When I work with clients, I find that the travelers who feel most relaxed are the ones who knew what to expect before they ever stepped on the ship.
What Do Most Cruisers Actually Spend Per Day?
Based on actual spending patterns rather than theoretical estimates, most cruisers spend between $75 and $250 per person per day on extras beyond the cruise fare. That is a wide range, and it exists for a reason: no two travelers prioritize the same things. The $100-per-day benchmark you may have seen mentioned in cruise forums is a reasonable starting point for a middle-of-the-road traveler who enjoys a few upgrades without going overboard.
At the lower end of that range, around $75 per day, a traveler might prepay gratuities, book one or two shore excursions for the week, enjoy a couple of glasses of wine or cocktails, skip specialty dining, and use Wi-Fi sparingly. At the higher end, around $250 per day, you are looking at a premium beverage package, specialty dining several times, a shore excursion at every port, spa treatments, high-speed internet, and some shopping. Both approaches deliver a wonderful vacation. The key is matching the spending to the experience you want.
It is also worth noting that couples sometimes share certain costs, like a bottle of wine at dinner or a taxi in port, which can bring the per-person calculation down slightly. When I help travelers build a budget, I always start by asking what kind of experience they are hoping to have rather than handing them a one-size-fits-all number.
Breaking Down the Major Spending Categories
Gratuities and Service Charges
Gratuities are one of the most predictable expenses on a cruise, and planning for them in advance removes any uncertainty. Most cruise lines add a daily service charge to your onboard account, typically ranging from $16 to $25 per person per day depending on the cruise line and your cabin category. Suite guests sometimes pay a slightly higher rate. On a 7-day cruise at $18 per person per day, that comes to $126 per person in gratuities alone.
Some cruise lines, particularly in the luxury segment, include gratuities in the fare. Others include them for suite guests or as part of promotional packages. When I compare cruise options with clients, this is one of the line items I always look at closely because it can make a meaningful difference in the total vacation cost. I generally recommend prepaying gratuities before departure whenever possible. It simplifies your onboard budget, locks in the current rate, and means one less charge to think about while you are trying to relax. Additional cash tips for crew members who deliver exceptional service are always appreciated but never required.
Shore Excursions and Port-Day Experiences
Shore excursions tend to be the single largest variable in any cruise budget. A simple walking tour or bus transfer might cost around $60 per person, while a small-group culinary experience, a helicopter tour, or a private guide for the day can easily reach $250 or more per person. If you are traveling with a family or a group, those numbers multiply quickly.
One of the most helpful exercises I recommend is looking at your itinerary port by port and deciding which stops are must-do excursions and which ones you are comfortable exploring on your own. Some ports are wonderfully walkable right from the pier, requiring little to no additional spending beyond a coffee or a local snack. Others, particularly tender ports or remote destinations, almost always require some form of organized transportation or guided experience to make the most of your time ashore.
Booking popular excursions in advance serves two purposes. First, it secures your spot on tours that often sell out before the ship departs. Second, it spreads your costs across the planning period rather than concentrating them all on your final onboard bill. Whether you book through the cruise line or through independent operators, having a plan for each port day gives you peace of mind.
Beverages: Alcoholic and Non-Alcoholic
Beverage packages are available on most cruise lines, with costs ranging from approximately $55 to over $100 per person per day depending on the tier and the cruise line. A premium package that includes top-shelf spirits, craft cocktails, and better wines will sit at the higher end of that range. Non-alcoholic packages covering specialty coffee, fresh juices, bottled water, and sodas are significantly less expensive and can be a smart choice for travelers who do not drink alcohol but still want variety beyond what is included.
The pay-as-you-go alternative works well for lighter drinkers. Individual cocktails typically run $10 to $14, while beer and wine by the glass fall in the $7 to $12 range. If you typically enjoy two drinks per day, you will likely spend less buying individually than purchasing a package. If you enjoy a cocktail before dinner, wine with your meal, and a nightcap, the package probably makes more sense. I always suggest doing the math based on your actual habits rather than assuming a package is the better deal. Basic beverages like tap water, iced tea, lemonade, regular coffee, and tea are included in your fare on virtually every cruise line, so you will never go thirsty.
Specialty Dining
The main dining room and buffet on today's cruise ships offer genuinely excellent food, and you could eat every meal in included venues and have a wonderful culinary experience. Specialty restaurants offer an elevated experience for an additional fee, typically $35 to $75 per person. These venues often feature steakhouse menus, Italian trattorias, sushi bars, or chef-driven tasting menus with more intimate settings and higher levels of service.
Some cruise lines include a certain number of specialty dining meals for suite guests or as part of promotional packages. Before committing to multiple specialty dinners, I recommend reviewing what is already included on your ship. Many travelers find that one or two specialty meals per week, perhaps for a special occasion or a date night, strikes the right balance between variety and value.
Wi-Fi and Connectivity
Internet access is almost always an additional cost, with daily rates ranging from approximately $15 to $30 depending on the speed tier and the cruise line. Basic plans typically support email, messaging, and light web browsing, while premium plans are designed for streaming and video calls. Some luxury and expedition cruise lines include Wi-Fi in the fare, which is worth factoring into any comparison.
If you are traveling as a couple or family, you can often purchase a single-device plan and share it rather than buying a multi-device plan for everyone. Many of my clients actually appreciate the opportunity to disconnect during their cruise and only purchase a plan for the days they truly need it. Advance purchase through the cruise line's website or app is almost always less expensive than buying onboard.
Spa, Fitness, and Wellness
Spa services on a cruise ship are priced similarly to what you would find at an upscale resort on land. A massage, facial, or body treatment can run anywhere from $120 to $250 or more depending on the length and type of service. Thermal suite access, where available, carries an additional daily or weekly fee. Some fitness classes and personal training sessions also come with extra charges.
That said, the fitness center, jogging track, and many group fitness classes are included in your fare. If you enjoy spa treatments, consider budgeting for one or two experiences rather than daily visits. Many cruise lines offer port-day specials with reduced pricing, which can be a nice way to treat yourself without stretching the budget.
Photos, Souvenirs, and Shopping
The ship's photographers will capture moments throughout your cruise, and individual prints typically cost $15 to $25 each. Photo packages are available for travelers who want a collection of professional images. Onboard shops sell everything from logo merchandise and sundries to fine jewelry and duty-free liquor.
I find that setting a souvenir budget in advance helps avoid impulse purchases that feel less meaningful once you are home. Many travelers discover their favorite souvenirs in port rather than onboard, often at better prices and with a more personal connection to the destination. For port-day markets and small local vendors, having a bit of cash on hand is helpful since not all of them accept credit cards.
How Much Cash Should You Bring?
Onboard expenses are charged to your room key or cruise card, which is linked to a credit card you provide at check-in. You will need very little, if any, cash on the ship itself. The real need for cash comes during port days. I recommend carrying $50 to $100 in small bills for the first day or two of your cruise, with the understanding that you can visit the onboard ATM if needed.
For port days, plan on approximately $30 to $60 per port day for taxis, tips, small purchases, and local markets. Some ports have ATMs, but exchange rates and fees vary widely. It is often simpler to bring cash from home or use a credit card with no foreign transaction fees for larger purchases. Before you travel, notify your bank and credit card company of your plans so your cards work smoothly while you are away. For a 7-day cruise with four port days, a total of $200 to $350 in cash per person is a reasonable starting point.
Sample Budgets for Different Travel Styles
The Budget-Conscious Traveler (Approximately $75 to $100 per Person per Day)
This traveler enjoys the included amenities, explores ports independently, and prioritizes the destination experience over onboard extras. A typical week includes prepaid gratuities, one or two shore excursions, a few individual drinks, no specialty dining, minimal Wi-Fi, and limited souvenirs. For a 7-day cruise, expect to spend approximately $525 to $700 per person in extras.
The Mid-Range Traveler (Approximately $100 to $175 per Person per Day)
This traveler enjoys a balance of included experiences and upgraded options. A typical week includes prepaid gratuities, three to four shore excursions, a beverage package or several individual drinks, one or two specialty dining meals, a basic Wi-Fi plan, and a few souvenirs. For a 7-day cruise, expect to spend approximately $700 to $1,225 per person in extras.
The Luxury Traveler (Approximately $175 to $250+ per Person per Day)
This traveler values premium experiences and convenience. A typical week includes prepaid gratuities, shore excursions at every port, often private or small-group, a premium beverage package, multiple specialty dining meals, high-speed Wi-Fi, spa treatments, and shopping. For a 7-day cruise, expect to spend approximately $1,225 to $1,750 or more per person in extras. Many luxury travelers also choose cruise lines where a significant portion of these items is already included in the fare.
Is $2,000 Enough for Extras on a Cruise?
This is a question that comes up frequently, and the answer is reassuring: for most travelers on a standard 7-day cruise, $2,000 per person for extras is more than sufficient. Here is how that figure might break down. Gratuities account for roughly $126 to $175. Three to four shore excursions might total $400 to $600. A beverage package or individual drinks could run $300 to $500. Specialty dining for one or two evenings adds $100 to $200. Wi-Fi adds another $100 to $150. That leaves a comfortable cushion for souvenirs, a spa treatment, or unexpected expenses.
For couples sharing certain costs, $2,000 total for two people is also a reasonable budget for many travel styles. Travelers who want premium experiences at every opportunity may spend more, while those who are more selective may spend significantly less. The right number depends entirely on your personal preferences, not on any universal standard.
Strategies to Manage Your Onboard Spending
One of the simplest and most effective strategies is setting a daily spending limit and checking your onboard account every day or two. Most cruise lines let you view charges on your stateroom television or through their app, so there are no surprises at the end of the week.
Prepaying gratuities, excursions, and beverage packages before you sail reduces the onboard balance and lets you relax knowing the major expenses are already handled. Some travelers prefer to bring a set amount of cash for port days and leave the credit card on the ship, which creates a natural spending boundary. Above all, I encourage travelers to prioritize the experiences that matter most to them rather than feeling pressure to do everything. The cruise fare already includes a tremendous amount of value: meals, entertainment, transportation, and activities. Extras are about enhancing the experience, not filling gaps.
How a Travel Advisor Can Help You Budget with Confidence
One of the most valuable parts of working with an experienced travel advisor is getting personalized guidance on what different cruise lines include in their fares and what they charge separately. The differences can be substantial, and they are not always obvious from a website or a brochure. I help travelers compare cruise lines, itineraries, and cabin categories to find options that align with both their travel preferences and their budget goals.
Because I work with clients across a wide range of travel styles and destinations, I can provide estimated spending ranges based on actual experiences rather than guesswork. Understanding the full picture of costs, not just the fare, allows you to make informed decisions and avoid surprises. Thoughtful planning is the key to a relaxing, enjoyable vacation where you can focus on creating memories rather than worrying about money. When you know what to expect, you are free to simply enjoy the journey.
Frequently Asked Questions About Cruise Spending Money
What is a good amount of money to take on a cruise?
A reasonable starting point for most travelers is $100 per person per day for extras beyond the cruise fare. That figure can be adjusted up or down based on your personal preferences, the number of shore excursions you plan to book, and whether you intend to purchase a beverage package or dine in specialty restaurants.
How much money will I need for a 7-day cruise?
Depending on your travel style, plan on approximately $525 to $1,750 or more per person in extras for a 7-day cruise. A common middle ground for travelers who enjoy a mix of included and upgraded experiences falls between $700 and $1,000 per person.
How much does the average person spend on a cruise beyond the fare?
Actual spending patterns show a range of $75 to $250 per person per day, which translates to $525 to $1,750 for a week-long cruise. Averages are difficult to pin down because spending varies so widely by traveler preferences, cruise line, and itinerary. The best approach is to build a budget around your own priorities rather than chasing an industry average.
Should I bring cash or use my credit card on a cruise?
Onboard expenses are charged to the credit card linked to your onboard account, so you will not need cash on the ship. Cash is primarily useful for port days, small tips, and local vendors who may not accept credit cards. A total of $200 to $350 in cash per person is a reasonable amount for a 7-day cruise with several port stops.
Budgeting for a cruise is really about matching your spending to your personal priorities rather than following a rigid formula. When you take the time to think through what matters most to you, whether that is unforgettable shore excursions, exceptional dining, or simply the freedom to relax without watching every dollar, you set yourself up for a vacation that feels both satisfying and stress-free. With a little planning, you can step on board knowing you have prepared for the costs that matter most to you and focus entirely on enjoying the experience. When you are ready to start planning, I would be glad to help you think through the options. Contact me at Travel Today In Style .
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