How to Budget For Your Maldives Vacation: Expert Tips and Saving Tricks

Discover essential tips for planning the cost of a Maldives vacation with activities, hotels, and flights in mind.

While the Maldives archipelago is a dream destination for many of us in the UAE, this paradise island can also stretch your wallet thin. Planning the cost of a Maldives vacation from the UAE can be tricky. Flights have layovers, resorts can be pricey, and reaching them by seaplane adds another cost. Food, drinks, and activities also tend to be expensive.

In this comprehensive guide, we'll explore the various aspects of planning a Maldives vacation, from flights and accommodation to activities and dining options, catering to different budget ranges for UAE travelers. 

Whether you're a budget-conscious explorer or seeking the ultimate luxury, this guide will provide valuable insights and tips to plan the perfect Maldivian getaway. We’ll cover the following.

  1. Setting the budget for your Maldives vacation
  2. Planning the flight to the Maldives
  3. Finding accommodation options in the Maldives
  4. Exploring the Maldives
  5. Looking for dining options in the Maldives
  6. Additional expenses and saving tips using Maly
  7. FAQs

[Start saving money for your dream Maldives vacation and visually track the growth of your savings through Maly, the money management app made for the UAE market.]

1. Setting the budget for your Maldives vacation

How much does it cost to stay in the Maldives? It’s the first question to come up when considering this sunny destination. Given its remote island location, vacations to the Maldives tend to be expensive. Therefore, one of the most important tips when planning a trip to the Maldives is to decide on a budget and stick to it

Anthony Middleton, a travel blogger and founder of the Man vs. Clock blog, recommends, "Work out what you want from your trip to the Maldives and commit. Do you want a discretionary splurge but not completely bankrupt yourself? Do you even unapologetically detest resorts and want to stay with locals? Are you holding out for an off-peak season bargain?"

Of course, unexpected expenses are common when traveling, but leaving room in the budget as a safety cushion will guarantee a more enjoyable trip without going over budget or worrying about costs.

4 Factors that influence budget calculations 

Several factors can influence the overall cost of a Maldives vacation. Understanding these factors is crucial to creating a realistic budget and ensuring a stress-free and enjoyable experience.

1. The season matters

The Maldives experience two distinct seasons: November to April, which comprises the dry season, while May is generally the wet season. Expenses change significantly depending on when you choose to visit. For example, during the dry season, which is considered the peak tourist season due to favorable weather conditions, accommodation expenses, Maldives flight costs, and activity fees often surge as resorts, airlines, and tour operators take advantage of increased demand.

However, if you're willing to withstand the occasional rain shower, the wet season offers several cost-effective options. Although not as picturesque as the dry season, budget travelers can capitalize on reduced rates for accommodations and activity packages—even flights are more affordable. Hence, It's all about weighing priorities. 

If you're flexible with travel dates and don't mind the occasional shower, planning a visit during off-peak seasons might result in substantial savings.

2. Mode of transportation

As an island nation, getting between the local islands spread throughout the archipelago often requires boat or seaplane transfers. While this provides beautiful views of the crystal clear waters, it comes at a cost. Boat transfers are a primary means of transportation between populated islands and resorts. Speedboats can cover longer distances quicker than other means but also tend to be more expensive.

On the other hand, public ferries provide reasonably priced scheduled transport between main population centers but have limited routes and infrequent departures that may not align with resort check-in/check-out times.

Jyo Shankar, a travel content creator, recommends domestic flights: "The domestic flight option (there are several domestic carriers in the Maldives) is cheaper but also more time-consuming."

Hence, factoring in the needed transportation between multiple resorts or activities can quickly add up when figuring out how much it costs for the Maldives trip. Advance planning and careful budgeting for inter-island transport are essential to enjoying the Maldives without going over budget.

3. Length of stay

The length of stay plays a crucial factor in the overall cost of a Maldives vacation. For shorter trips, 3-4 days may be optimal. However, remember that airfare and transportation costs can consume a significant portion of the budget for such a condensed trip.

If you have more time on your hands, a seven to ten-day trip to the Maldives offers a more immersive experience. Extended stays may also allow for negotiating better rates at select resorts, making the trip more affordable.

Tommy Ooi, a luxury hotel reviewer and blogger, notes, "Maldives is perfect for a short stay instead of a long one. Anything more than one week will be too much, in our opinion.” Instead, he recommends, “Four to five days is usually sufficient if staying in one hotel and perhaps seven days if [staying in] two hotels. Opt for quality vacation rather than quantity when in the Maldives.”

4. Currency conversion fees

When traveling from the UAE to the Maldives, it is crucial to consider the potential impact of currency conversion fees on the overall budget. While the official currency of the Maldives is the Maldivian Rufiyaa (MVR), many resorts often quote prices in US Dollars (USD) due to the high number of international visitors.

When using credit cards or debit cards issued by a bank in the UAE to make payments, the bank may charge a fee for currency conversion. These fees typically range from 2% to 3% of the total transaction amount. These charges can add up quickly, especially when making multiple transactions or incurring significant expenses such as accommodation or recreational activities.

2. Planning the flight to the Maldives

The journey to the Maldives begins with securing a flight from the UAE. Several airlines offer direct and indirect routes, each catering to different budget ranges.

Budget tier

Travelers looking to save some dirhams on the cost of the Maldives vacation can consider airlines such as flyDubai, which offers economy flights from Dubai with potential layovers before reaching Malé International Airport. Generally, round-trip light tickets start from AED 1,996, though travel times may be longer and amenities more limited. Still, it's an affordable way to get to the destination if stretching funds is important.

Mid-range tier

Major carriers like Emirates provide direct flights or just one connection with perks like extra legroom, entertainment, and meals for a smoother travel experience. Their nonstop or near-nonstop service saves time, too. Figure AED 2,413 round-trip in this Maldives’ flight cost category.

Luxury tier

Those seeking the highest service levels can book business or first class, where premium amenities truly shine—for example, Etihad's first-class flight tickets from Abu Dhabi to the Maldives range from AED 7,423 to 8,523. Luxurious but pricey, this tier is for those who prefer ultimate luxury, even if it means an ultra-premium price tag.

3. Finding accommodation options in the Maldives

Accommodation is one of the most significant expenses for any vacation, and the Maldives offers a diverse range of options. Maldives hotel costs can be as low or high as you want them to be. 

Budget tier

Budget-conscious travelers will find simple yet comfortable stays at affordable inns, guesthouses, or lodges starting as low as USD 50 per night. These accommodations typically offer basic amenities but provide an authentic Maldivian experience. 

Mid-range tier

Travelers seeking a more comfortable and luxurious experience can opt for mid-range resorts with moderate amenities and facilities. These resorts often offer a range of dining options, water sports activities, and well-appointed rooms or villas. 

Generally, travelers in this tier should expect to pay around USD 1,000 for a three-day stay for mid-range accommodations.

Luxury tier

The Maldives is known for its luxurious overwater bungalows and high-end resorts, which offer comfort, privacy, and exclusivity. These luxury accommodations often feature private beaches or entire private islands, world-class spas, and personalized butler services. 

The cost of a Maldives hotel for such 5-star luxury stays averages at about USD 1,700 per night, with resorts like the Waldorf Astoria Maldives Ithaafushi Resort and Sheraton Maldives Full Moon Resort being among the most sought-after options.

4. Exploring the Maldives

No Maldives vacation is complete without indulging in the various water-based activities offered. From snorkeling and diving in the Indian Ocean to island hopping and sunset cruises, the range of experiences is vast, and the cost of activities in the Maldives can vary significantly based on preferences and desired level of exclusivity.

Budget tier

For budget travelers who happen to be nature lovers, activities like snorkeling, island hopping, and local tours can provide an authentic Maldivian experience without breaking the bank. 

The Maldives Island Hopping Tour, which includes visits to several islands and snorkeling opportunities, can cost as little as USD 50 per person. Matthew Kepnes, also known as Nomadic Matt, a New York Times best-selling author, also recommends to “see hammerheads in Rasdhoo Madivaru (aka Hammerhead Point) or free dive with whale sharks. There are also lots of mantas and sea turtles here too.”

Mid-range tier

Those seeking more adventurous experiences can opt for scuba diving, sunset cruises, and cultural experiences in the mid-range tier. The Maldives Scuba Diving Experience, which includes a certified instructor, all necessary equipment, and the opportunity to explore the diverse marine life, can cost from USD 150 to 250 for a full day of diving. For one-time experiences, a single dive can cost between USD 60 to 100.

Luxury tier

Private yacht charters, spa treatments, and exclusive dining experiences can be arranged for the ultimate in luxury and exclusivity. A private cruise aboard a luxury yacht with a gourmet meal and premium beverages starts from USD 12,000 for 8 hours, offering a truly indulgent and unforgettable experience.

5. Looking for dining options in the Maldives

Dining experiences in the Maldives range from local eateries and street food vendors to fine dining establishments in luxury resorts catering to diverse tastes and budgets.

Budget tier

For budget travelers, local restaurants and street food vendors offer an authentic and affordable dining experience. They allow travelers to sample traditional Maldivian cuisine and immerse themselves in the local culture. The Malé Fish Market is a popular budget dining option where travelers can buy fresh seafood and have it cooked on the spot by local vendors. Meals cost between 5-10 USD per person.

Mid-range tier

In the mid-range tier, restaurants offering international and Maldivian cuisine can provide a more diverse dining experience. Located in the North Male Atoll, restaurants like The Red Snapper & Coffee Beans, Cloud Signature, and Kebab & Kurry Maldives all serve a variety of international and Maldivian dishes in a picturesque setting and charge around USD 30 to 50 per meal.

Luxury tier

For those seeking a sophisticated and world-class culinary experience, fine dining restaurants in luxury resorts offer exquisite menu selections, renowned chefs, and impeccable service. Many island resort restaurants, such as Aragu, Ithaa Undersea Restaurant, and Muraka, provide a unique dining experience surrounded by the marine life of the Maldives. Meals generally reach over USD 100 per meal, depending on the menu selections and beverage options.

6. Additional expenses and saving tips using Maly

In addition to accommodation, activities, flights, and dining, other expenses to consider when planning a Maldives vacation include spa treatments, souvenirs, shopping, tips for resort staff, airport transfers, and any rental equipment or gear needed for activities.

To manage additional expenses within budget constraints, it's recommended to prioritize the experiences, planned purchases, and research travel costs in advance to avoid unexpected surprises. Allocating a reasonable amount, typically 10-15% of the overall budget, for miscellaneous expenses can also ensure a stress-free vacation.

One tool that can be particularly helpful in managing expenses during a Maldives vacation is Maly's multi-card solution. With Maly, it is easy to transfer funds between different cards free of charge. This flexibility can be particularly useful when reallocating funds from one expense category to another during vacations. Maly also offers both virtual cards for online transactions and physical ATM cards for in-person purchases and cash withdrawals, which can be beneficial when managing expenses in the Maldives while conducting transactions.

Personalized cards for family members

With Maly, provide each family member with their own personalized Visa card, which teaches financial responsibility and allows them to monitor and control spending for each card. This comes in handy, especially during vacation, when members of the family might be engaging in different activities.

Dedicated cards for different purposes

Dedicate specific cards for different trip expenses, such as one card for activities, another for dining, and another for shopping and miscellaneous expenses. This helps travelers stay organized and within budget for each category.

Spending limits and parental controls

Maly's multi-card solution allows parents to set spending limits on their cards and receive alerts for all transactions when traveling with children or teenagers. This ensures that the kids enjoy their vacation while parents maintain control over their spending.

As one of the world's top destinations, a Maldives vacation understandably comes with a higher price tag. Travelers from the UAE can enjoy affordable activities on the Maldives’ white sand beaches and stays through value choices or indulge their senses with luxury experiences consciously selected and budgeted for. 

Back to the original question: How much cost for a Maldives trip should you budget for? With several options at each cost level, the Maldives truly has something magnificent to offer to everyone willing to plan for the experience of a lifetime. The key is doing research tailored to spending capacities and making savings where possible to splurge on cherished memories. 

[Do you want to learn how to save money for your Maldives vacation? Set up a weekly or monthly savings plan by connecting Maly to any UAE-based bank account and start tracking your savings as they grow.] 

7. FAQs

Is it expensive to go to the Maldives?

While the islands are renowned for luxury, the cost of a Maldives vacation varies depending on factors like seasonality, lodging choices, and planned activities. On average, the daily budget is around USD 300 (4,623 MVR) for meals, transportation, and hotels. Careful planning is advised so travelers can enjoy the destination regardless of budget.

How much does it cost to stay in the Maldives for one week?

Typically, one person can expect to pay approximately USD 2,100 (or double that for two) for a week-long gateway to the Maldives. These Maldives holiday prices include lodging, meals, local conveyance, and tourist sightseeing. 

What are the benefits of opting for a Maldives package deal?

Consider booking a Maldives package for a hassle-free vacation experience. With accommodation, activities, and flights bundled together, travel packages can streamline your planning process and potentially save on overall costs. Whether you're a budget-conscious traveler or seeking ultimate luxury, there's a Maldives tour package for every type of adventurer.


  • Planning a Maldives vacation requires careful budgeting due to the potential high Maldives activities cost associated with accommodation, entertainment, and dining.
  • Be mindful of currency conversion fees, especially when using UAE-based bank cards for transactions in the Maldives, as these fees can add up quickly.
  • Use tools like Maly's multi-card solution to manage additional expenses effectively and stay within budget constraints during your Maldives vacation.
  • The Maldives offers a range of options, from budget-friendly to luxurious, to suit every traveler's needs.
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