Is It Worth Keeping My Timeshare Points?
Keeping your timeshare points is worth it only if you actually use them — or if a year’s rental value comfortably covers your maintenance fees. The honest test: compare what your annual points rent for against what you pay in dues. Disney Vacation Club points ($13–$19/point) blow past their fees and are easily worth keeping; high-fee programs with weak per-point value like Westgate ($0.004–$0.01/point) often aren’t. If you’re not traveling and the math is underwater, you have two moves: monetize each year’s points (a buyer service like Timeshare Rental Pros, our affiliate partner, pays cash up front, no fee) to recover the fees, or exit the contract entirely.
The test: rental value vs. your fees
Strip away the sunk cost of what you originally paid — that money is gone either way and shouldn't drive the decision. The only number that matters going forward is this: what does a year of your points rent for, versus what you pay in annual maintenance fees?
If the rental value clears your dues and you take trips you enjoy, keeping is an easy yes. If you're paying dues on points you don't use, and those points wouldn't rent for more than the fees, you're paying to hold a depreciating obligation. The calculator gives you the rental side of that comparison in about 30 seconds.
Where each program lands
Per-point value decides most of this. Disney Vacation Club is the clearest keep — points rent for $13–$19 each, far above the dues, and the contract itself holds real resale value. Marriott Vacation Club (35¢–90¢) and WorldMark (7¢–14¢) usually pencil out too. The hardest to justify holding are high-fee, low-per-point programs: Westgate sits at roughly 0.4¢–1¢, and large Club Wyndham allocations (0.5¢–1.2¢) only earn their keep if you're actually using them. See the full ranking.
If the numbers don't work
You have two honest options. If you might still travel in some years, keep the contract and monetize the points you can't use — our affiliate partner Timeshare Rental Pros pays cash up front, with no owner fee, so a dead year at least covers your dues (we earn a commission if you transact, which we disclose). If you're genuinely done, look at exiting — but go in knowing most legacy contracts sell for $0–$2,500 and that upfront-fee “exit companies” charging $4,000–$15,000 are best avoided (more in rent vs. sell).
Your next step
Get your real cash offer
See what Timeshare Rental Pros will actually pay for your points. Pick your program and point count and get a price quote — they pay cash up front, before any rental happens, and never charge owners a fee.
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Frequently asked questions
How do I know if my timeshare points are worth keeping?
Run one comparison: what does a year of your points rent for versus what you pay in annual maintenance fees? If the rental value clears the fees and you actually take trips, keeping makes sense. If you’re paying dues on points you don’t use and couldn’t rent for more than the fees, the timeshare is costing you money to hold.
Which programs are most worth keeping?
Disney Vacation Club, by a wide margin — points rent for $13–$19 each, far above the dues, and the contract itself holds resale value. Marriott Vacation Club (35¢–90¢) and WorldMark (7¢–14¢) also tend to pencil out. The hardest to justify are high-fee, low-per-point programs like Westgate ($0.004–$0.01) and large Club Wyndham allocations if you’re not using them.
What if my maintenance fees keep rising?
That’s the usual reason owners reconsider keeping. Fees almost always rise over time and don’t come back down. The key question is whether the points still rent for more than the fees. If they do, you can hold the contract and simply monetize each year’s points to stay net-positive. If they don’t and you’re not traveling, it’s a signal to exit.
If it’s not worth keeping, what do I do?
Two paths. If you might still travel some years, keep the contract and monetize the points you can’t use — a buyer service like Timeshare Rental Pros pays cash up front (no owner fee) so the year isn’t a total loss. If you’re truly done, look at exiting; just know most legacy contracts sell for $0–$2,500 and avoid upfront-fee exit companies entirely.