Maldives on a Budget – Our Itemised Trip Costs and How to Save Money
Scribbled by Claire ◊ 19 May 2025
Are you concerned about the cost of a Maldives island hopping trip? If so, read on for an itemised Maldives budget detailing every penny we spent on our accommodation, food, sim cards, transport and more, so you can plan a trip to the famous glistening blue oceans and white, sugary beaches at a fraction of the resort prices.

The Robinson Crusoe idyllic island dream, conjured up by images of the Maldives, is a bucket list experience for many. However, the typical eye-watering Maldives trip costs are often just too steep to consider.
I’m not going to lie; our initial thought wasn’t ‘isn’t the Maldives expensive?’.
It was, in fact, not a thought at all. It didn’t occur to me to even consider a trip to the Maldives, because I simply assumed it was well out of our budget. However, as budget travellers, we managed to spend two weeks hopping around six different islands without totally bankrupting ourselves.
This means that the Maldives is not an impossible destination to visit on a budget!
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Why is a Trip to the Maldives so Expensive?
The Maldives is typically very expensive for visitors, for several reasons:
1. Most people spend their time on private resort islands. These can be extortionately, prohibitively expensive (think: upwards of $500 a night).
2. The islands are remote! This means that flying to them can be costly (depending on your starting point) and shipping in tourist supplies costs money.
3. There is limited space. The Maldives is really small, if you only count the land area. The actual islands cover around 298 square kilometres, throughout 90,000 square kilometres of sea! This means that real estate can be valuable.
4. Many popular activities can’t be done independently (as they’re marine based!). This means the cost of doing anything in the Maldives can be reasonably steep.
Despite the above reasons, it is totally possible to plan a trip to the Maldives on a much lower budget!


Our Exact Two-Week Maldives Budget
Below is the total of our costs in Maldivian rufiyaa (MVR) and US dollars for two people across all the categories above, broken down into sections.
We spent a total of 28,100 MVR (US $1818) for two weeks in the Maldives. This means we spent $130 a day, which is $65 per person.
In this post, if we specific a price in MVR, we have also given the rough equivalent in U.S dollars (whenever I use $).

OUR SPENDING IN THE MALDIVES
Speedboats – 3850 MVR ($249)
Ferries – 475 MVR ($31)
Taxis – 240 MVR ($16)
Activities – 0
Food & Drink – 4460 MVR ($289)
Accommodation – 18000 MVR ($1165)
Miscellaneous – 1078 MVR ($70)
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How to Budget for the Maldives
Here, we provide some detail about all the specific things that went into our total Maldives costs during a two week trip.
We’ve included typical costs for things in sections:
1. Transport
2. Activities
3. Food prices from markets and restaurants
4. Accommodation
5. Miscellaneous things, like SIM cards
1. What does Transport Cost in the Maldives?
Transport in the Maldives is one area where you’ll most likely be pleasantly surprised – it is incredibly affordable (mostly). Public ferries, buses and short speedboat trips are amazingly good value. However, we did not get any seaplanes or particularly long distance or private speedboats. These can destroy a Maldives trip cost budget very quickly.
Public Ferries
We bounced between four different atolls and took a lot of ferries! The most we ever paid for a ferry journey was 53 MVR ($3.43) per person for a three-and-a-half-hour journey. Some routes were as low as 22 MVR ($1.42). For more information on organising your transport, check out our ferries guide with all the schedules.
Buses
The buses in Malé and Hulhumalé are well-priced and very modern, clean and safe. The price for a single ticket ranges from 5 MVR ($0.32) to 15 MVR ($0.97). We used several of the buses to go between Malé, Hulhumalé and Velana International Airport. We mention more about the buses in our Maldives ferries post.
Public Speedboats
Maldives public speedboats were the most expensive form of transport we took between islands (but also the fastest and most regular). The cheapest speedboat we took was 25 USD per person and the most expensive was 50 USD. Some longer speedboat routes will cost a lot more than this. Book online with 12GoAsia to guarantee yourself a seat.
Taxis
The prices for taxis within, and between, Malé and Hulhumalé are set by the government and, in theory, are the same for specific journeys. If you’re staying in the more touristy areas, the most expensive trip should cost 85 MVR ($5.50). We took two taxis during our trip.


2. What do Activities Cost in the Maldives?
Outside of accommodation, activities will likely be the largest chunk of your Maldives trip cost – they are not cheap! Depending on the island, there are options to snorkel, dive, island/sandbank hop, go on fishing tours and even visit resort islands as a day trip. Activities vary from one hour to full day excursions.
Prices for activities vary hugely from island to island and also depend on whether you organise through your accommodation or with a tour operator (these vary widely).
We’ve written about some of the Maldives local islands, including some excursion prices if you are curious:
Thulusdhoo | best for surfing
Ukulhas | best for beaches
Maafushi | best for facilities
Thoddoo | best for community and agriculture
On Ukulhas, for example, a six and a half hour snorkelling and island-hopping tour cost 50 USD, whereas a one-hour snorkelling tour on Fulidhoo cost 25 USD.
We did not do any excursions while on the islands, snorkelling the house reefs were fine for us and kept our Maldives trip cost down.

3. How Much does Food and Drink Cost in the Maldives?
In our experience, food in the Maldives was extremely reasonable on the local islands. This is especially the case for food that would normally cost a massive amount in European countries! Typically, meals are (unsurprisingly) seafood-based, with fresh tuna an extremely popular and affordable option (tuna is cheaper than vegetables and potatoes).
There are also fried snacks (once again made of fish, although you may be told they are vegetarian). These are sold everywhere and are great value.
Below is a list of some typical prices across the capital Malé and adjoining Hulhumalé, plus some of the inhabited islands we visited.
Alcohol is illegal on the inhabited islands, so we spent no money on this. There are a few ‘booze boats’ which we did not visit, however a representative price is more than five U.S. dollars for a small, basic beer.
Street/Snack Food Prices in the Maldives
A number of cafes, restaurants and shops sell little affordable snack food items, or ‘hedhikaa’, which can be sweet or savoury. Here are a few of the things we purchased:
◊ For a long ferry journey commencing in Malé, we bought four large masroshi (spicy tuna inside fried dough), some small cake slices and two kavaabu (spicy fish fritters) for 37 MVR ($2.39).
◊ During another Malé ferry transfer day, we bought a whole bag of potato and tuna snacks for 28 MVR ($1.81).
◊ Hulhumalé had masses of Indian style snacks; we bought loads for 27 MVR ($1.75).
◊ On Thulusdhoo, we bought veggie, fish and prawn street bites for 30 MVR ($1.94).
These snacks are incredibly affordable (and decent portion sizes too). Each of the purchases described above constituted a two person lunch or large snack. However, they are often fried and not the healthiest (but we are on a budget and they are cheap!). Be aware, many snacks are described as vegetarian even though they are clearly made with fish (we never intentionally bought fish!).
Restaurant Prices in the Maldives
With Indian and Sri Lankan influence, a typical Maldivian local restaurant is likely to serve various styles of simple curry accompanied by parotti-type bread. These were commonly the most affordable items on any menu. Here are some local (and non-local) meal choices we made across some islands, with total prices for two people:
Hulhumalé | absolutely enormous, superb smoked tuna pizza – 225 MVR ($14.56)
Maafushi | tuna burger and tuna koltha – 165 MVR ($10.67); pumpkin curry, lentil dhal and two large breads – 160 MVR ($10.35)
Thulusdhoo | two dhals, a fish curry and four breads – 140 MVR ($9.06); pumpkin melt, kale pesto toast and a date pudding ball – 240 MVR ($15.53); two vegetable curries, a dhal and four breads – 175 MVR ($11.32); dhal, vegetable masala, four breads – 170 MVR ($11.00)
Ukulhas | fish and veg curry with rice, a variety of Indian snacks and breads – 172 MVR ($11.13); 2 vegetable curries with rice and fries – 268 MVR ($17.34)
Thoddoo | gigantic tuna burger and tuna koltha 145 MVR – ($9.38)
Some hotels offer a full-board option. We utilised this in Fulidhoo as it’s a tiny island with almost no restaurants and it seemed like a good deal at the time. It’s the first time we’ve ever been full board and personally, we hated it. We dislike eating late in the evening (mosquitos are out in force) and there were very few vegetarian options. This option may suit some people, but on the busier islands, we’d recommend finding your own dinner!
Market and Shop Prices in the Maldives
As moderate budget travellers, we spend a fair amount of time in markets and shops. (It’s also the only place you stand a chance in hell of definitely getting budget vegetarian food in the Maldives!). These are some example prices of foods on various islands that we saw:
Supermarket on Malé | a small ‘pot noodle’ was 15 MVR ($0.97) and a pre-sliced large loaf of bread was 11 MVR ($0.71).
An upscale bakery in Hulhumalé | cupcakes were 12 MVR ($0.78) each and a blueberry cheesecake slice was 40 MVR ($2.59).
A shop on Ukulhas | a large pot noodle was 25 MVR ($1.62), a large box of cookies was 40 MVR ($2.59) and a large chocolate milk was 30 MVR ($1.94).
Cans of Coke/Pepsi/iced coffee | these were typically around 15 MVR ($0.97) on Malé and Hulhumalé. Large bottles of water were available for under 10 MVR (it is not recommended to drink tap water on the inhabited islands, although you can use a water filter). Very few hotels had free refill drinking water, unfortunately.
Fresh veg | there are minimal fresh fruit and vegetable options on the islands. Each island has some in at least one shop, but the variety leaves you with few choices, especially without the use of a kitchen. Naturally, Thoddoo was the best island we visited for fresh food, as it’s an agricultural island!
Prices on the islands were often a little more than in Malé/Hulhumalé for most shop items (Coke/Pepsi was 20 MVR rather than 15 MVR on most islands we visited). Chocolate and anything needing refrigeration will likely be the most expensive thing in any shop except sunblock (costing an eye-watering 195 MVR for 100 ml ($12.62)).


4. How Affordable is Accommodation in the Maldives?
Our largest expense in the Maldives was accommodation.
Inclusives | every place we stayed had breakfast and on-island transport to the hotel included (staff meet guests at the ferry port with an electric golf buggy to help with luggage). The breakfasts were decent sized (tuna based, obviously), sometimes even buffet style, so we ate the equivalent of three meals worth of food each morning. The guesthouses often also had free bicycles and snorkelling gear.
Book ahead | we booked our accommodation, at most, about three days in advance during high season (January). It is possible to save a huge amount of money by booking further ahead. In the Maldives, we used booking.com; it was the cheapest, always.
Quality | we also chose mid-range (ish) accommodation that was not the cheapest on each island. Our rooms had quality aircon (the Maldives is HOT and I was recovering from dengue fever), comfortable beds and reliable hot water. Depending on your preferences, you could easily spend a lot less than us.
We’ve discussed our accommodation choices at length on the individual posts about Thulusdhoo, Thoddoo, Ukulhas and Maafushi if you’re interested in our recommendations.

5. Miscellaneous Maldives Costs
We didn’t spend anything else in the Maldives, other than on two SIM cards, for miscellaneous expenses. Other expenditures could include sunblock, insect repellent and medication (bring these with you, they’re expensive!).
Never buy sunblock in the Maldives, just on principle. Small tubes are around 12 USD.
SIM Card Prices in the Maldives
There are two Maldives SIM card providers for tourists arriving at Velana International Airport: Ooredoo and Dhiraagu.
What SIM we chose | Ooredoo and Dhiraagu offer similar deals, so we chose Ooredoo as we’ve used them before in other countries. We bought two Ooredoo 30-day Tourist SIM cards for an eye-watering 35 USD each. These both came with 17 GB of data. (This stung as we arrived in the Maldives from Thailand where unlimited super-speedy data was less than £5 a month). In 2025, these Ooredoo sim cards are now 40 USD for 20 GB of data.
E-SIMs in the Maldives | a better option in the Maldives is an e-SIM if you have a compatible phone (we only found this deal out after we left). Airalo offer the same Ooredoo 30-day tourist e-sim for about 40 USD and 20 GB of data, which is the same price and you don’t have to wait in a sweaty queue at the Ooredoo airport stand. You get more local texts and minutes included, too. We’ve used Airalo in many other countries and thoroughly recommend them. Check out Airalo sims if you’re interested.
We recommend having a data package in the Maldives if you need to stay connected – Wi-Fi was not always reliable or fast.


EXPLORE MORE OF THE MALDIVES
Go island-hopping:
Ukulhas | are these the prettiest beaches in the Maldives?
Thoddoo | why you should explore this magnificent agricultural island
Maafushi | a guide to the Maldives’ most popular spot
Thulusdhoo | experience the surfer paradise of the Maldives
more tips for your trip:
How strict is the dress code in the Maldives?
Read a summary of the best Maldives local islands
Remove the complexity of planning an island hopping itinerary around the Maldives
Learn how to navigate the Maldives public ferries
Quirky things to know for Maldives budget travellers
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How You Can Save Money in the Maldives
Although we were reasonably happy with our expenditure on the Maldives trip cost donut above (since resorts can be upwards of $400-500 a night), you can be much, much cheaper. Below are some of our suggestions for lowering your Maldives trip budget.
1. Plan Your Route Carefully
As you can see from the trip budget chart above, a big chunk of our costs in the Maldives were from speedboats.
We messed up and had to get a speedboat because we misread a ferry schedule. This would have been easily avoidable and saved 100 USD on the total above.
We also wanted to explore lots of islands and only decided which ones several days before, meaning there was no choice but to take a speedboat to the North Ari Atoll because of ferry scheduling.
If you’re travelling within certain atolls, the ferries operate daily (apart from Fridays), so it’s rarely necessary to catch a speedboat. With less popular routes, you’ll need to pre-plan and choose your route in advance to avoid the expensive transport.
For a full guide to planning your route, check out our Maldives public ferries guide.
2. Pre-Book Your Accommodation
We only booked our Maldives accommodation around 1-3 days in advance. From our trip costs above, it’s obvious we spent a tonne on accommodation!
Pre-booking where you will stay through apps like Booking.com can help lower your Maldives trip cost below ours significantly. We personally used Booking.com throughout the Maldives – it’s got the best range, prices and reviews.
We also stayed during the expensive time of year (in January) – accommodation prices are lower in the down season. So if you want to reduce costs further, consider visiting in a less popular month.
3. Eat Local and Pay in MVR
We were actually pretty cheap with food in the Maldives. If you want to reduce your costs below ours, then choosing only local food will make your bill significantly cheaper. This means avoiding pizza, burgers, fries and anything that sounds a bit Western. Mexican and Italian cuisine was noticeably more expensive, and meat (not seafood) dishes were too. We found curries and kothu roshi dishes to be the cheapest in restaurants.
Budget tip | our most expensive food was a colossal pizza in Hulhumalé and vegan sandwiches in Thulusdhoo, so avoid stuff like that!
Restaurants attached to hotels (which often have a giveaway of advertising prices in dollars) were generally more expensive than independent places, too.
Look for prices quoted in MVR, if you pay in USD your meal will definitely cost more (the exchange rates used are never favourable).
4. Choose Your Islands Well (also local reefs can be great)
Each locally inhabited island in the Maldives will have different prices for basically the same activities. Have a think about what activities you may be interested in before choosing your islands to try and minimise this trip cost.
For example, if you’re a surfer, choose an island closer to the surf breaks (we would recommend the North Malé Atoll for surfing). If you want to ride a jet ski, for example, find islands with the best rates; Maafushi was far more reasonably priced than Fulidhoo, where one hour on a jet ski was $140!
House reefs are normally pretty decent for sea life sightings (sharks, turtles, fish etc.) and snorkelling gear is often complimentary with your guesthouse (no guarantee on quality, though). If snorkelling is an activity you love, choose islands with great house reefs (we were told Omadhoo has an amazing one).
5. Get Disconnected!
If you do not need reliable internet connection for the duration of your trip, consider saving the extortionate $40 that Ooredoo charges you for data. It’s crazy expensive!
Just be aware that we didn’t find the islands to have dependable WiFi.
6. Get Smart with Flight Routes
Long-haul flights to the Maldives are very expensive.
However, there are hubs where affordable flights operate to the Maldives which can seriously reduce your costs (plus you get a free stopover if you want!).
Consider looking at flights from places like Bangkok, Kuala Lumpur, India, Sri Lanka, UAE and Oman. We’ve personally taken very reasonably priced flights to the Maldives between Bangkok and Oman. All our flights are searched for, and booked, via Skyscanner. It’s got the clearest layout for searching and we find it easiest to use for planning complex routes.
So, choose a long-haul option to one of the above destinations, and then book a separate flight to the Maldives. It can save you thousands!


Quick Guide – Currency in the Maldives
The currency in the Maldives is called the Maldivian rufiyaa (MVR) and is sometimes denoted RF. It is further split into 100 laari per one rufiyaa. The rufiyaa is available as 5, 10, 20, 50, 100, 500 and 1000 notes. Coins are available as 1 and 2 rufiyaa and 1, 2, 5, 10, 25 and 50 laari.
Note | the currency in the Maldives is closed, so MVR cannot be purchased outside of the country like euros or dollars.
The Maldivian rufiyaa (and laari) are super cute and feature numerous island themed representations including conch shells, dhoni boats, early Dhivehi scripture and scenes of island life.
In the Maldives, dollars are widely accepted along with the national currency. Speedboats and water-based activities are often priced in dollars, along with food in touristy restaurants. Shops and regular restaurants will advertise in MVR. We (nearly) exclusively used MVR.
Currently, these are some relevant exchange rates in 2025 (but you can check xe.com or Google for up-to-date ones):
1 GBP = 20.5 MVR
1 USD = 15.5 MVR
1 EURO = 17.2 MVR
1 INR = 0.18 MVR
1 RUB = 0.19 MVR

Cash or Card in the Maldives?
Many hotels and restaurants on the more touristy inhabited islands of the Maldives will accept credit card. There are also ATMs on some islands outside of Malé. However, there is often only one machine per island, so it is always best to have cash (in U.S. dollars) in case of any malfunction.
Budget tip | there is an official Bank of Maldives money exchange at the airport and other currency exchanges can be found all over Malé and Hulhumalé. If you use the Bank of Maldives money exchange at the airport, retain your receipt. Without it, they will not convert leftover rufiyaa back at the end of a trip.
Final Thoughts – How Much Does a Maldives Trip Cost?
Well, the Maldives islands aren’t exactly cheap, but they’re not so expensive either! For an epic, secluded beach retreat in the middle of the Indian Ocean, a Maldives trip cost of $130 a day for two people is pretty good.
We think that our costs are actually really high, and you could easily get it down to $100 a day or less for two people sharing (mostly by booking ahead and not messing up the ferries!).
I’ve written it in other posts already, but the Maldives is more than just a beach destination. It’s a fantastic country with a culture that, until recently, was off limits to foreigners (local islands have only been open for tourism since 2009). I’m so happy that this fascinating little island nation is now affordable for more travellers who can experience it for themselves, taking the emphasis off high-end, less sustainable, tourist-only resorts.
If you want to learn more about what a budget trip to the Maldives is like, check our post on backpacking in the Maldives. There are tonnes of interesting things to discover about this unique island nation!
We hope you have an amazing (and affordable) trip!
Hi, thanks for visiting our blog! If our free content has been of help to you, or you’ve just enjoyed our random ramblings and musings, say thank you by buying us a coffee! It helps keep The Restless Beans blog up and running.
Thank you, Claire + Nick



Thank you! Lots of information that will help us with our up and coming trip 🙂 when booking accommodation on Booking.com for example, they display taxes and fees, do you pay anything else on top of these ? Thank you again, we really enjoyed reading your blog 🙂
Thanks so much, so glad we could help! We didn’t pay anything extra on top of the Booking dot Com fees for hotels. We always tried to prepay on the app/website too in order to avoid having to carry around lots of cash – so all we paid was the amount debited initially via Booking. Hope that answers your question! Have an amazing Maldives trip 🙂
Great, that makes things easier, we will definitely follow your advice, your blog is now our Maldives guide book! thank you again :-))))
Great blog. Thanks for all the infos and prices, came in very handy.
Eric
Montréal,Canada
Hi Eric,
So happy to be of help.
23837.43 its enough for Maldives rufiyaa for two days three nights honeymoon
Hi Suresh,
If you’re not including flights in that amount, that would be plenty to enjoy the Maldives local islands for three nights, depending on what you are looking for.
Hi Nick,
23837.43 rufiyaa,
water activity and food and alcohols. its enough
can let me know price for food and alcohols,water activity?
Hi Nick,
One of the best blogs on Maldives. Great relevant info.
Need your input if possible for a 7 day trip to Maldives ( with 2 kids & 1 senior citzen in group).
Was thinking of Mafushi ( 2 days) for jet ski etc., Ukulhas (2 days)–based on yr blog, Vaadoo (1 day) to show kids the blue effect in night & last 2 days at a pvt island.
Can u suggest, if its the right rote for the itenary planned & the pvt island good fr family on the same route.
Thanks
Hi Deepti,
Thanks so much for your comment!
The planned time spent on Maafushi and Ukulhas sounds fine to me for what you’re after, Vaadhoo is a problem though.
You would need to travel between three different atolls which would require either more time, or the use of multiple (costly) speedboats. I would advise skipping Vaadhoo, given your time constraints, and its distance from the other atolls. Especially since you only plan one night there, and the other islands involve transfers to/from Male. If you have more time, you could make this work!
In terms of public ferries:
Between Male and Ukulhas the MTCC 303 ferry service runs the outwards journey every Monday and Thursday. The return journey runs on Sunday and Wednesday.
Getting to and from Maafushi is easier than Ukulhas, as the MTCC 309 service runs each way every day (except on Friday). The MTCC 306 service also runs from Male to Maafushi every Sunday, Tuesday and Thursday. The return trip to Male runs Saturday, Monday and Wednesday.
The outward public ferry journeys from Male run in the morning so there’s no option of taking a same day public ferry. Speedboats are an option, however. These are best arranged in advance with your planned accommodation.
We haven’t been to any of the private islands so I can’t comment on them from personal experience. Leaving the private island until last seems a good idea – they all provide their own transport options as public ferries do not go to the private islands. It will be best to confirm exact details directly with your accommodation.
I hope this helps with planning your Maldives trip.
This was excellent!!Thank you so very much for all the detailed information you provided. Everything is much clearer in my mind now….Definitely will use them