In 2026, it is generally better to prepay your gratuities before your cruise for three reasons: budgeting, rate protection, and boarding efficiency. Prepaying allows you to lock in the current daily rate, protecting you from "mid-cruise" price increases that have become common as lines adjust for inflation. It also removes a "hidden" daily charge of $16–$20 per person from your onboard account, ensuring your final bill at the end of the trip doesn't include any unpleasant surprises. While some travelers prefer to "post-pay" so they can adjust the amount based on service quality, most cruise lines now make it intentionally difficult to lower automatic gratuities. If you prepay, you can still give additional cash to specific crew members who went above and beyond, which is often more appreciated than the pooled automatic funds. For most, prepaying simplifies the "check-out" process on the final morning, allowing for a stress-free disembarkation.