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Pay is a big factor for cruise ship employees. If you’ve found yourself wondering how much you can earn and how much you can save while working on a cruise ship, you’re not alone. Here we discuss in greater detail some of the earning potential and pay related issues that cruise ship employees commonly ask about.

The pay you can earn by working on a cruise ship is largely determined by your position. There are however, a number of other factors that can contribute to your earnings. The size of the ship, the type of ship, the clientele, the cruise liner, tips earned and your job experience will all affect your earning potential. How much you earn will also depend on whether or not your pay is salary or commission based. Each of these factors should be taken into account when trying to forecast the money you can earn or save by working in the cruise industry.

As a paid cruise ship employee you will have to pay all the income taxes you would normally pay working at a land-based job. Keep in mind though, that there are some big differences to land based jobs. For example, in most cases, on a cruise ship, your cabin is free. Additionally, for the duration of your contract you will likely have no grocery bills, and in many cases, uniforms are provided by the cruise line. Some companies will even pay laundry expenses. This means that it is possible to bank nearly all your earnings, especially if you don’t have too many land-based expenses.

“I would have saved virtually everything, but I had a lot of shore -based bills, like a car and student loan payments. Before you go, definitely get rid of expenses you don’t need while on board, like car and rent payments. Practically everything was paid for, we really didn’t have any living worries at all. No cooking, no laundry, and our rooms were cleaned for us every day; we even got free dry-cleaning. We did have to pay our room steward ten dollars per week, and that was pretty much it. Of course, alcohol and restaurant stuff is really expensive on the ship. For instance, a beer cost almost four bucks, so if you go over your bar allowance (which I always did), it can cost you a lot.”
A gift shop employee offers this insight:

“I managed to save some money during my six-month contract, since I had no expenses and my commissions [tips] started adding up. I could have saved a lot more, though, if I hadn’t done so much shopping in the different ports of call that I went to. Unfortunately, we visited Hawaii right before the end of my contract, and I really spent a lot of money there. I knew someone who worked in a gift shop on a ship and came back after ten months with $12,000 in the bank, but most people don’t make close to this much. Commissions varied a lot, and the most I ever got was $800 a month. A lot of it depends on what kind of passengers you have. Our line was kind of a budget one that offered lower prices. We jokingly called it ‘K-Mart Cruises.’ The passengers tended to be cheap, but that’s not true on all lines. Some of them are really upscale.


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