DVC Banking and Borrowing Calculator
Enter your available points from your Disney Vacation Club member account for each use year. Then drag Your Vacation along the timeline, or type the points you want to spend, and watch the coins move into your trip.
| Year | Banked | Borrow | Holding | Available | Bankable |
|---|---|---|---|---|---|
| 0 | 0 | 0 | |||
| 0 | 0 | 0 | |||
| 0 | 0 | 0 |
Your Vacation
Rules are set by Disney Vacation Club and can change. Confirm with Member Services before banking or booking.
What is banking?
Banking moves unused points from your current use year into the next use year. The deadline is the last day of the 8th month of your use year. Banked points expire at the end of the use year they were banked into.
What is borrowing?
Borrowing lets you use next year's points now. You can only borrow from the use year right after the current one, and there is no deadline to borrow.
Rules to remember
- Banked points cannot be banked again.
- Borrowed points cannot be banked.
- Points you do not use or bank expire at the end of the use year.
