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How much does it actually cost to “get your money’s worth” with the new Disney annual passes?

How much does it actually cost to “get your money’s worth” with the new Disney annual passes?

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With the news of Disney World’s new annual pass program, we have been doing some math to help you figure out how much it actually costs to get your money’s worth if you become a passholder. When you consider hotels, food, and flights it may not be worth the price.

New Annual Pass Programs

Credit: Monica

After a year of waiting, Disney finally unveiled the new annual pass programs at both Disneyland and Disney World. Both have made significant changes that Disney claims are more beneficial for “super fans” otherwise known as Disney annual passholders.

You can read about the pricing and other important details to know about Disney World and Disneyland. Since this blog largely focus on Disney World, I am only going to focus on the Most Magical Place on Earth. Also, I just don’t want to do that much math.

I am also only going to focus on the top tier of the passes because the other three are only for Florida residents and Disney Vacation Club members. For the most part, those groups don’t need to worry about hotels and flights.

However, if you are curious to see the different levels and pricing, Disney released a handy graphic to help:

Credit: Disney

Top Tier Pass: Disney Incredi-Pass

The very top tier pass is called the Disney Incredi-Pass, and it is the only pass available for out of state visitors. This pass costs $1,299 plus tax. This pass includes park hopping benefits, no blackout dates, and the ability to have 5 park pass reservations that are not tied to a hotel stay. If you are staying onsite you can have park passes for the entire length of stay in addition to the 5.

In addition, Memory Maker and Water Parks are an additional $99 EACH so for our math let’s add both to this pass. We are now looking at $1,500 not including tax.

Credit: Jamie F

The average ticket with park hopping options is roughly $150 based on day and season so that means you would have to visit 10 days to break even.

These prices are per person, so for the average family of 4 that’s a total of $6,000. I could probably knock off $300 since only one person needs the Memory Maker for the entire group. But that would make my math harder, and I’m not trying to do that. Plus, I did not include tax in any of these calculations.

Running total for a family of 4 so far = $6,000 per year.

Resorts Math

Credit: Monica

But you aren’t just spending $6,000. You also have to account for hotel stays (since you’re out of state, of course), flights, and food. You could go the cheaper route and stay offsite, drive, and cook your own meals, but that is not what the average Disney Guest does.

So let’s say you are going to break those 10 days up into 2 trips. 5 park days for each trip but you also have arrival and departure days. So 6 nights total. We can also pretend you will use your water park pass on either your arrival or departure day for each trip.

You want to stay at a deluxe resort to take advantage of the extended evening hours reserved only for deluxe guests. You could rent points, but since those prices can vary we are going to assume you are booking directly through Disney.

Credit: Monica

Looking at September 12-18, 2021 with a 25% room discount, the average of all deluxe resorts for those dates comes out to $485 per night (so let’s round to $500). Some resorts are as cheap as $300 while others are almost $900. $500 x 6 nights = $3,000 for the hotel.

Since we are doing two trips and could probably find hotels for that same price throughout the year that would be $6,000 total.

Running total for a family of 4 so far = $12,000 per year.

Flights Math

Credit: KtP writer Susan

Figuring out flight cost is a wild card because there are so many variables. Time of year, airline promotions, departure location, and any credit card rewards make this portion impossible to calculate.

Let’s just figure we can grab a one-way flight for $100 so $200 round trip per person. That is $800 for our 4-person family x 2 trips = $1,600. Purchasing flights with your points or flying with budget airlines could probably cut that cost in half, but again, too many variables.

Running total for a family of 4 so far = $13,600

If you want to consider driving, check out my article helping you make that decision!

Food Math

Credit: Monica

Figuring out how much you will spend on food is another wild card. Depending on how your family eats can change this number drastically. The Disney Dining Plan would make this portion significantly easier to calculate. They will return, but we do not have details on when or how much these will cost.

I have previously written about how to calculate the cost of food without the dining plan HERE. This can help you know how much to prepare for.

For the purposes of this post, let’s assume the dining plan is back and you will use it for both trips. I am going to take 2020 prices and just increase them a bit because we know they will be more expensive when they do return.

credit: Kenny

The cost of the dining plan for 1 quick-service meal, 1 table-service meal, and 2 snacks was roughly $80/night/adult in 2020. Kids 9 and under cost $30/night.

We can assume this will increase when they do return, and because I like to round, let’s say it will cost $100/night/adult and $40/night/child. For our family of 4 for 6 nights that is $1,680. Add your second trip for the year, and that comes out to $3,360 for food.

Do keep in mind your annual pass gets you a 10% discount at most table-service restaurants so you can save a bit of money there, but do remember you need to tip! We will call that one even.

Running total for a family of 4 so far = $16,960.

So, how much does it cost to get your “money’s worth”?

Credit: KtP

When you spend the money on annual passes, you aren’t just thinking in terms of the actual pass. There are also so many other costs associated as outlined above. I also did not include extras like After Hours events, extra food, souvenirs, or special experiences.

When it’s all said and done, you’re looking at $4,240 spent in order to break even on your $1,500 pass. If that’s the case, there is no point in buying an annual pass. You should just purchase tickets separately for your trip. If you really want to make an annual pass worth it, you will need to visit more days. That means that $4,240 will actually go up even more.

For most people who visit Disney World, that extra cost is absolutely worth it! It’s worth it to me to spend the extra money at my happy place.

Credit: Monica

You could, of course, cut costs by staying at a cheaper hotel, taking your own food in the parks, and driving. There are definitely ways to make that total cheaper! In my family, I am the only one with an annual pass while the rest take advantage of the military discount. We also rent points because we do enjoy staying at the deluxe resorts, but I like to save money where I can.

For most of us, I would venture to guess we don’t think about the math often when figuring out if we should get an annual pass. We make these decisions using our feelings and excitement for what’s in store for us at Disney World. And honestly, I think that’s how Disney gets away with increasing the cost of everything.

Are you planning to purchase one of the new annual passes? Are you doing the math or just going with your feelings and nostalgia? Let us know in the comments below or on Facebook.

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Brad K

Monday 11th of October 2021

I've only read this through once, but so far I"m not following your "break-even" analysis. This is how I do it for our family and our upcoming trip. We have 9 total people going but I'm only going to count one of our tickets since only one person might possibly get an annual pass. We won't include the water park but will include memory maker. So, to start, an AP is $1500 (rounded and incl tax) and my park ticket for 7 days next May is $554 (rounded). The memory maker add-on is $169 so my total cost without AP is $723 and therefore I have to find additional savings of $777 dollars just to break even! Where will I get those discounts? Well, I'm already booked to stay off-site so a WDW resort discount won't do it. I've already bought my tickets through a 3rd party so I don't believe I can go back and buy them with my AP discount. The only way to make up the difference is with Food and/or Merchandise. Now, our family (and friend) of 9 will eat a lot of food and our budget for the week is about $5000. If we could save 10% on everything we eat, that would be $500. But, there will likely be food and/or locations in that budget that don't qualify AND there's a likelihood that we won't always be together to use the one AP for everyone. So, I'll use $400 as a savings on our food budget. That leaves $377 in savings to find to break-even and the only thing left is to look for that savings in merchandise. If we save 20% on every souvenir or bit of merchandise we buy, we'd have to spend $1885 in order to see that savings and break even. For 8 people (1 is a 2 yr old), that's $235 per person and at this point, I don't see us spending that much per person. My boys will be 12 and 14 at that time so I don't see them spending $200/each which means the rest of us would have to spend that much more. Anyway, that's how I figure the break-even for our family. Maybe that helps someone.

Janet D

Sunday 5th of September 2021

The real question is can your family afford multiple trips to Disney in order to get your money's worth out of the annual pass. Right now, a 10 day hopper pass costs $740 ages 10+, annual around $1400+ with tax. You need to visit at least 20 days in order to break even.


Sunday 5th of September 2021

To decide whether it is worth getting an annual pass and can you get your money's worth, you cannot include hotel and airfare. You would have to pay that regardless of whether you have an annual pass or not (although sometimes you get an annual passholder discount on rooms). Just figure using the number of days per year you are in the parks. First, parking at the theme parks is free (but only a benefit if you are staying off property). Second, if you are going to be in Disney ten (10) days or more, that is a benefit. Third, add on the discount you get on food and merchandise purchases. Fifth, as for Memory Maker, it used to be included but is not now. If you are someone who would have purchased it separately each time you visited Disney and visited the parks more than once in a given year, the $99.00 is a savings. If you never have or would purchased Memory Maker, then the additional cost does not matter. The name of the article should not have been "can you get your money's worth from purchasing an annual pass" it should have been "can you get your money's worth on a trip to Disney"!


Sunday 5th of September 2021

If you are going to Disney from out of state, you are going to spend the food, airfare, and hotel dollars no matter whether you have an annual pass or not. The comparison is to look at ticket costs per trip versus annual pass cost. Assuming you stay for 7 days, for 2 trips per year, the ticket cost for those 2 trips is pretty comparable to an annual pass, especially since you would only purchase the memory maker and water park passes once per year rather than each trip.

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