A cruise is a great way to relax, explore new places, and enjoy time at sea. However, it can also become expensive so we’ve put together some simple ideas on how you can save money on a cruise ship. 

By keeping a few smart habits in mind and following these cruise money saving tips you’ll stretch your budget further and enjoy every part of the journey with peace of mind. That way, you step off the ship with unforgettable memories, and extra savings for your next adventure. 

For more tips on cruise vacations, check out our guide to the Best Cruise Destinations in Fall.  

In this guide:

• What’s Included in Your Cruise Fare?
• Hidden Cruise Fees to Watch Out For
• How to Save on Food & Drinks Onboard
• Excursions Without the High Price Tag
• Internet & Connectivity Savings
• Cabin Upgrades and Smart Booking Tips
• Onboard Shopping & Souvenir Spending
• FAQs

What’s Included in Your Cruise Fare?

When you book a cruise, the base fare usually covers your cabin, standard meals, and most onboard entertainment. That means your stateroom, main dining room, buffets, theater shows, and access to pools or fitness centers are part of the price you’ve already paid. 

What’s included can vary by cruise line. Some add extras like dining venues, kids’ clubs, or basic drinks. Others keep things more limited and encourage you to spend once you’re onboard. 

Tip: Read your cruise line’s “What’s Included” page carefully so you can plan ahead. That way, you’ll know where you can indulge without spending more. You can also budget for extras. 

Saving Money on Cruise Ships: Our Top Tips

Hidden Cruise Fees to Watch Out For

Cruises are usually great value for money, but extra charges can sting if you’re not prepared. The most common hidden costs include: 

• Service Charges: Many cruise lines automatically add a daily service fee per passenger to your bill. This usually ranges from $14–$20 per person, per day. 

• Port Fees and Taxes: These are mandatory charges set by the ports you visit. They’re added to your final bill even if you don’t leave the ship. 

• Specialty Dining: While main dining rooms and buffets are free, specialty restaurants, premium coffee, and late-night room service often cost extra. 

• Onboard Activities: Things like fitness classes, bingo, or even certain shows may come with a fee. 

Tip: Review your account daily on the ship’s app or kiosks. Catching extra charges early keeps you in control of your spending and avoids a surprise bill at the end of your trip. 

How to Save on Food & Drinks Onboard

Food is one of the biggest perks of cruising, but it’s also one of the easiest places to overspend. Here’s how to keep costs down without missing out: 

• Stick to Included Dining: The main dining room and buffet already offer plenty of variety. Specialty restaurants are tempting, but they come with an extra charge. 

• Weigh Drink Packages Carefully: If you’re a light drinker, paying per drink is often cheaper than a package. For heavy coffee or cocktail fans, a package might pay for itself. 

• Bring Allowed Beverages: Many cruise lines let you bring a limited amount of bottled water, soda, or wine on board. Check the rules in advance and stock up before you sail. 

• Skip the Upsell Snacks: Gelato counters, specialty coffees, and branded treats add up quickly. Stick with the free options included in your fare. 

Tip: Treat the included dining like your “all-inclusive” and view everything else as optional. That mindset helps keep food and drink costs in check. 

Excursions Without the High Price Tag

Shore excursions are a highlight of any cruise, but booking through the cruise line can get expensive. Here’s how to see more for less: 

• Reserve Independently: Local tour operators often offer the same trips for a fraction of the cost. Many guarantee to get you back to the ship on time. 

• Explore on Your Own: Some ports are easy to navigate by foot, taxi, or public transport. A little research before you sail can save you hundreds. 

• Look for Free Activities: Beaches, markets, walking tours, and historic sites often don’t cost anything. Sometimes the best experiences don’t come with a price tag. 

Tip: Do your homework before the trip. Checking reviews and port guides gives you the confidence to plan safe, budget-friendly alternatives to the cruise line’s excursions. 

Internet & Connectivity Savings

Staying connected at sea can be expensive. Cruise Wi-Fi packages are often slow and priced per device, which adds up quickly. Here’s how to save: 

• Download Before You Sail: Load maps, movies, music, and books onto your devices while on land. 

• Use Free Port Wi-Fi: Cafés, restaurants, and terminals often offer free or low-cost connections. 

• Share a Package: Some cruise lines let families or groups share a single Wi-Fi plan across multiple devices. 

• Disconnect Intentionally: Consider skipping Wi-Fi and switch off completely. It’s the cheapest option of all. 

Tip: If you need Wi-Fi, buy a package in advance online. Rates tend to be lower than onboard prices. 

Cabin Upgrades and Smart Booking Tips

Your cabin can be one of the biggest factors in cruise pricing. Knowing where to save and spend helps you get the best value. 

• Book Early for Choice, Late for Deals: Early bookings give you the widest cabin selection. Last-minute deals can be cheaper, but choices are limited. 

• Inside vs. Balcony: Inside cabins are the most affordable. If you spend most of your time exploring the ship and ports, you may not need the view. 

• Loyalty Programs Pay Off: Repeat cruisers often get free upgrades, discounts, or perks like drink credits. 

• Consider a Guarantee Cabin: With this option, you choose the type (inside, ocean view, balcony) but not the location. The cruise line assigns it, sometimes with a free upgrade. 

Tip: Don’t overpay for space you won’t use. If you’ll be out exploring, a simple cabin gets the job done at a lower cost. 

Onboard Shopping & Souvenir Spending

Cruise ships are packed with shops, sales, and promotions, but most of it isn’t the bargain it seems. Here’s how to shop smart: 

• Duty-Free Isn’t Always Cheaper: Compare prices before you sail. Many sales onboard match or exceed what you’d pay at home. 

• Set a Souvenir Budget: Decide how much you’ll spend before the trip and stick to it. This keeps impulse buys under control. 

• Buy in Port Instead: Local markets and shops often offer better deals. Plus, your money supports local businesses. 

• Skip the Extras: Art auctions, raffles, and jewelry promotions can drain your budget quickly. 

Tip: Treat onboard shopping as entertainment, not a necessity. If you find something truly special, go for it, but don’t feel pressured by “limited-time” offers. 

FAQs: Cruise Costs & Saving Tips

Do I have to pay gratuities on a cruise?

Yes, most cruise lines automatically add daily service charges. You can usually adjust them at guest services. 

Are drinks free on cruises?

Basic options like water, coffee, tea, and juice with meals are included. Alcohol and specialty drinks cost extra. 

Can I bring my own alcohol?

Most lines allow a limited amount of wine or champagne, but not beer or spirits. Always check the rules before packing. 

Is cruise Wi-Fi worth it?

If you need daily access, packages help. Otherwise, use free Wi-Fi at ports. 

Are shore excursions mandatory?

No. You can explore independently, but always return before departure time. 

What’s the cheapest way to book a cruise?

Booking early secures choice. Last-minute deals may be cheaper if you’re flexible. 

Do kids sail free?

Sometimes. Certain promotions let kids cruise free, though taxes and fees still apply. 

Can I eat all day without extra charges?

Yes. Buffets and main dining rooms are included, but specialty restaurants charge extra.