Is over there anything the sounds better than retiring on a cruise ship? You obtain to view the world, be waited ~ above hand and also foot, eat lots of good food, and also there’s always something to do. There space no dishes to wash, no lawn come mow, and you don’t even have to make your bed.

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Of course, us all know that those benefits to living on a cruise delivery don’t come free. In fact, we’ve run the numbers and also even living aboard a usual cruise delivery could concerned a price of $175,000 because that a couple sailing in a balcony cabin because that a year.

With the average society Security advantage being $1,543 in 2020according to AARP, there’s no method you can afford to live top top a cruise from just that money alone… or is there?

The an excellent thing around cruising is that if you’re budget-conscious, there space plenty of means you can cut costs. From sailing on older pearls to staying in internal cabins come shopping for various itineraries and also avoiding extras when on board, you have the right to sail because that surprisingly cheap.

But is it sufficient that a society Security benefit would cover her costs, allowing you come live ~ above the ship permanent if you wanted?

Let’s uncover out…

Comparing Social security Benefits come Cruise Costs

As discussed above, the average benefit paid come Social protection recipients is almost $1,550 a month, follow to AARP. But those benefits vary from human to person. Amounts vary based on work, salary history, and even the period that you used for benefits.

Meanwhile, follow to the exact same source, the maximum benefit you deserve to receive is $3,148 every month — significantly higher than the mean check.

How does the compare come the price of cruises?

When it involves cruises, over there isn’t any sort that “average” cruise fare. In fact, fares deserve to vary widely based upon a variety of criteria:

Cruise Line: various cruise lines emphasis on different price points. This doesn’t mean every cruise ~ above one line will certainly be cheaper than a comparable trip top top another, however in general some currently are less expensive than others. In particular, we’ve discovered MSC and also Carnival to have the many affordable fares.

Sailing Date: If you want to live year-round ~ above a ship, climate you’ll have to address high summer and holiday prices. However if you want to live part-time, climate you can find much cheaper trips by sailing as soon as school is in session. Times like January-May (with the exemption of spring Break) and also September-December (before Christmas) normally have lower fares.

Cabin Type: If you desire to store your cruising price low, then you should only watch at interior cabins. This cabins space by far the the very least expensive top top the ship. They can be hundreds and even thousands of dollars much less than the same trip in a balcony room.

Other Expenses: In addition, you likewise have to take into consideration the expenses past what is had in her cruise fare. Gratuities room typically roughly $15 per person, every day. For a pair sailing just a week, gratuities include hundreds to the expense of the trip and can’t it is in avoided.

Onboard spending is likewise a significant factor in what you pay to live top top a cruise ship. The average person on vacation will invest hundreds as soon as on the ship. The good news is that onboard safety is completely optional. If you protect against things like paid excursions, spa treatments, alcohol, and specialty restaurants, you can theoretically cruise there is no spending any kind of extra.

All this reflects that when it comes to cruising, there yes, really is no “average” — the depends much on what you’re willing to spend.

Searching because that Affordable Cruises

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Could this it is in your watch each day?

In order to watch what’s possible, we pursued down a couple of affordable choices to compare your pricing to what you could get in benefits.

In our search, we uncovered that you can spend a surprising amount the time in ~ sea, but benefits alone won’t cover cruising full-time. If you have other retirement funds, however, then being able come afford life on a cruise ship might be closer than you think.


(Note: prices are specific at the moment of writing, however subject come change.)

Scenario #1 | Carnival flexibility | January 2022Earlier, we mentioned that Carnival is just one of the more affordable cruise lines. Looking their website, we uncovered back-to-back cruises board Carnival flexibility in January 2022. These 2 trips are 6 days and also eight days, for a total of two weeks linked at sea.

Sailing native Miami, you’ll visit ports favor Grand Turk, Carnival’s exclusive islands, Aruba, and also Bonaire ~ above trips throughout the Caribbean during the coldest month the the year in the unified States.

Pricing out these two cruises v an inner cabin, and also gratuities and also port fees included, we discovered a cost of $1,147 and $1,673 because that a couple sailing together. Therefore for 2 weeks the sailing, you’d invest a full of $2,820 because that a couple sailing together.

That’s $1,410 every person, or about $140 much less than the typical Social protection benefit. If you knife the maximum benefit of nearly $3,150, climate you’d have actually plenty left end for extr cruises.

Result: $1,410 per human for 14 days of sailing.

Scenario #2 | MSC Divina | September 2022MSC Cruises doesn’t have a large presence in the joined States compared to rivals like Carnival and also Royal Caribbean, however it is do inroads. What’s exceptional is that they deserve to offer few of the the very least expensive cruises possible, while having a great onboard experience.

In this case, we uncovered several budget-friendly trips. First, departing the very first day of September 2022 is a 10-night pilgrimage aboard MSC Divina from harbor Canaveral to the Bahamas and also Mexico. For 2 people, the price for an interior cabin comes out to $1,898 once you include in taxes, fees, and gratuities. You could follow the up through a four-day cruise because that $690, and then one more 10-day trip for $1,738.

All told, the comes out to 24 work of sailing for $4,326 because that a couple — or $2,163 every person. That’s obviously greater than the average benefit, but well in ~ the selection of the maximum lot paid.

Result: $2,163 per human being for 24 days of sailing.

(Want more tips top top finding inexpensive cruises? See our 10 rules for finding the ideal deal here.)

So can Social security Cover Cruising?

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So deserve to you live aboard a cruise ship using just Social protection benefits? Unless you happen to receive close to the preferably payment and also pinch her pennies onboard, we’d speak the price is ‘not quite.’ The average person would spend an ext sailing full time than they receive in benefits.

This scenario likewise doesn’t take right into account any type of other prices off the ship, such as healthcare, keeping a home on land, or also time in port shopping or dining.

That said, if you room frugal, climate you can gain surprisingly much on your advantage alone. The examples over show that it is possible to sail many weeks for the amount of the average monthly government payment.

Keep in mind that if you desire to stretch your dollars further, then you can’t intend to have actually the same sort of suffer as someone that is having actually a once-a-year vacation. In this scenario there room no balcony cabins, lavish specialty dining, drink packages, or day-to-day gambling. Keeping expenses low method you don’t have actually the exact same experiences together you typically would ~ above vacation.

Monthly payments Could aid Budget

One other thing to consider if you’re interested in sailing on Social defense alone are monthly payment options. Cruise lines permit you to pay off trips in installments. That offers you the capacity to pay off sections of sailings for less than the expense of your monthly benefit.

So while that might price $3,000 for a human to sail on a cruise ship because that a month, you might pay the off end the course of a year. So girlfriend could, in theory, book your cruises well in advance, pay turn off the trips in time with her benefit, and also then enjoy living plank the cruise ship for much longer than if you had actually to make the payment all at once.

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But unless you find some amazingly cheap cruises and also have an outsized benefit, it seems doubtful you can sail ~ above a cruise full-time on just Social defense alone.

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