The allocator
Split a year of ownership, and keep it at one hundred
Six sliders divide one annual budget into shares. Move any slider and the other five rebalance in proportion, so the total always stays at one hundred percent. Use it to test your assumptions, not to predict what a boat will cost.
How the split works
Each slider holds a share of the total you have decided to set aside for a year afloat. When you move one, the others shift by the same proportion they already held, so their ratios to each other stay the same. The total never leaves one hundred.
Arrow keys move a slider one point at a time, and Home and End jump to the ends of its range. Each change is announced with the new total.
Illustrative only
The shares are not recommendations, and the tool holds no figures about any real boat. Nothing you move is saved or sent anywhere. This is not financial advice. Speak with a licensed adviser before committing money to a yacht.
Your split
Scripts are turned off, so the sliders are hidden. This table shows the starting split and what each category covers.
| Category | Share |
|---|---|
| Hull and bottom Antifouling, hull repairs, seacock and through-hull service, haul-out. | 22% |
| Sails and rigging Sail repairs and replacement, standing and running rigging, rig inspections. | 18% |
| Engine and systems Engine service, fuel and filters, batteries, plumbing, electrical work. | 20% |
| Insurance and safety Insurance premiums, safety equipment renewals, and any training you choose to pay for. | 16% |
| Berth and storage Mooring or marina berth, dock charges, winter storage, and covers. | 14% |
| Reserve Unspent margin for failures that arrive out of season. | 10% |
| Total | 100% |
Total of all six shares %
The bar redraws with every move. It shows the same numbers as the sliders, which remain the source of truth.
Starting split loaded. The total is 100 percent.
Questions the split can help you ask
- If the year runs over, which category would you protect first, and which could wait?
- Does your reserve match the age and history of the boat you are considering, or is it sized for a boat you only hope to buy?
- Which categories grow when you sail farther from home, and which shrink when the boat stays on its mooring?
- Which share depends on a single decision, such as a berth or a loan, and how would a change to that decision move every other share?
Why the reserve has its own slider
A reserve is the part of a budget that does not pretend to know the future. Surveys find problems, engines fail on the day you planned to leave, and sails tear in a squall that arrived without warning. Giving the reserve its own slider makes the decision to keep margin visible instead of hiding it inside the other categories.
How the rounding works
Each move recalculates the other shares in proportion, then rounds them to whole points with the largest-remainder method. That is why the shares always add to exactly one hundred, with no fraction left over.