How Many DVC Points Do You Have Left?

The DVC community’s discussions about contract expiration dates remain a hot topic of conversation. Today, I want to broach this issue from a different perspective. 

I’m going to take a bold approach and use – dun, dun, dun – math! It’s just crazy enough to work. So, how many DVC Points do you have left? Read on to find out…

How Your DVC Contract Works 

So, as you all know, your DVC contract includes an expiration year. On a grim January date at some point in the future, your contract runs out of points, leaving your family sad and Disney-less. Well, that’s theoretically true. Many of us have multiple DVC contracts and the ones who don’t will probably just back into the program if/when needed. 

Still, I know from reading many of your comments that you’re worrying about this thing that won’t happen until 2042 at the earliest. So, I want to reassure you by making you realize the situation isn’t anything to stress about and won’t be for more than a decade. 

Let’s Talk about 2042 Contracts 

To evaluate your DVC contract in terms of total points, the first thing we must do is establish a system. I’m going to assume two things. The first, which may not be true, is that you’ve already acquired your DVC Points for 2025. Personally, I have a December Use Year with my contracts. So, I haven’t yet, but I want this article to consider the “worst-case scenario,” as it were. 

The other thing I’ll assume is that you have 100 DVC Points. Obviously, you probably have more than that, but that’s the nice thing about using the number 100. It’s easy to extrapolate. If you have 250 DVC Points, just multiply my calculations by 2.5. Conversely, if you have 50 DVC Points, divide my calculations in half. Easy peasy. 

So, presuming you get 100 DVC Points annually, and you’ve already received your 2025 allotment, here’s what you need to know. In terms of total DVC Points, you have 1,600 DVC Points remaining. 

I’m expecting DVC not to deposit DVC Points into your account during 2042, which leaves you with 16 more years of incoming debits. At 100 points annually, that’s a total of 1,600 DVC Points, which I’m guessing is more than you’d realized. Basically, if your DVC membership were a glass, you could refill it 16 more times, although the bartender would hopefully cut you off long before then.

Let’s Talk about 2050s Contracts 

Now that you understand how we’re evaluating these contracts, let’s discuss your remaining DVC Points for additional expiration years. If yours ends in the 2050s, your contract expires in either 2054 or 2057.

If so, you’ll either receive 28 or 31 more deposits in your account. So, that’s a total of 2,800 DVC Points remaining for 2054 contracts and 3,100 DVC Points remaining for 2057 contracts. 

The one fact I’ll emphasize here is how much more value you’ll find in later-year contracts, which is what I call the ones ending with Use Years in 2054 and beyond. That’s not to say a 2042 contract is problematic, as I just showed you that it’s not. 

However, if you are worried about your expiration year, this data and the calculations in the next section may push you to act. If you’re concerned, you can simply sell your current contract and use that money to purchase a new contract elsewhere. 

Let’s Talk about the 2060s and 2070s Contracts

By now, you understand how the calculations work. So, I’ll just post bullet point totals for the remaining expiration years. Here’s how many total remaining DVC Points you have based on the following expiration years:

• 2060 – 3,400 DVC Points
• 2062 – 3,600 DVC Points
• 2064 – 3,800 DVC Points
• 2066 – 4,000 DVC Points
• 2068 – 4,200 DVC Points
• 2070 – 4,400 DVC Points
• 2074 – 4,800 DVC Points
• 2075 – 4,900 DVC Points

Remember to adjust these calculations based on the number of DVC Points you actually have. For example, I mentioned the examples of 50 and 250 DVC Points earlier. If you receive 50 points annually for a 2075 contract, you have 2,450 remaining points. For a 250-point contract, your remaining total is 12,250 DVC Points. 

Comparing apples to apples, a 2042 contract still possesses 1,600 DVC Points. A 2060 contract may sound a lot better, but in reality, it’s barely twice as many points at 3,400. So, the discrepancy probably isn’t as significant as you’ve feared. That’s why I’m not concerned about the end of my 2042 contract. 

However, you may feel differently. That 2074 contract would triple your remaining DVC Points, although it would come with those draconian DVC resales restrictions. Thus, a contract ending in the 2060s may be a better choice on the whole. It’s a lot to think about, but that’s okay! You’ve got MANY years to weigh your options!

Access all available Disney Vacation Club resale listings, or learn more about buying and selling with DVC Resale Market.