The cost comparison

Own a boat. Or join the club?

Compare both options on the same terms. Bring your membership quote, adjust the ownership assumptions, and see where your numbers land.

The same horizon. Both options.

Your membership quote

We do not assume a Lake Effects price. Use your current quote and include any applicable taxes or fees.

Need a current quote? Ask the team.

Your ownership estimate

Prefilled ownership figures are illustrative examples, not market research or a boat quote. Replace every amount with your estimates.

Your comparison

A clearer picture starts here.

Add your membership quote, adjust the ownership examples, then compare.

No automatic “membership wins” assumptions. Your result may favor either option, depending on your numbers.

How the estimate works

Ownership: purchase price minus resale value, plus one-time purchase taxes, spread over your selected years. Then add annual storage, maintenance, insurance, financing interest, and other costs.

Membership: joining fee spread over the same years, plus 12 months of dues and other annual costs.

This compares annualized economic cost, not cash flow or loan affordability. It excludes inflation, opportunity cost, and costs you have not entered. Availability, membership access, and actual boating days are not guaranteed. Estimates stay in this page and are not saved.