Don't know & don't care to budget.
Paid cash for the boat and never looked back.
Considering how much money I used to waste on alcohol and cigarettes (with their negative impacts on myself and my family) I can honestly say we are light years ahead despite the monetary costs of having a boat.
Quality of life improvement and memories made have more 'value'
than money anyway, and our daughter now knows in her bones what an amazing place we live in