Even if we limit ourselves to a 7-night cruise, the cost can be as cheap as a few hundred dollars if you sail on a budget line in an inside cabin or more than $20,000 on a luxury cruise line in suite. Even mainstream cruise lines have suites that can cost more than $5,000 per person for the week.

For a standard 7-day cruise, your total budget will depend on how many "extras" you indulge in beyond the base fare. On average, a mid-range traveler should budget between $150 and $250 per person, per day ($1,050–$1,750 total) for onboard expenses and excursions. While the base fare covers food and lodging, you will need to account for mandatory daily gratuities (usually $16–$20 per day), alcoholic beverages or soda packages (which can cost $60+ per day), and specialty dining fees. Shore excursions are often the biggest variable, ranging from $50 for a walking tour to $300 for a helicopter ride. In 2026, many lines are moving toward "bundled" pricing that includes Wi-Fi and drinks, so checking your specific fare's inclusions is vital. Don't forget to factor in pre-cruise costs like flights, a hotel stay the night before departure, and travel insurance. A "budget" cruiser can survive on much less by sticking to the free dining and self-guided port walks, while a "luxury" experience can easily double the daily cost with spa treatments and high-end shopping.