Maldives on a budget. It seems like an oxymoron. Yet I can assure you it is just a matter of knowing what to look for and what to expect. 

Beautiful yet surrounded by an aura of mystery; famous for the luxury resorts scattered around its many atolls (some of them pushing to become greener), the Maldives remain a dream for many. Oftentimes holiday packages to the Maldives are prohibitively expensive. 

Independent and budget travel to the Maldives is quite new. It’s only in the last few years that guest houses have started opening in local islands (those where locals actually live, and which have a completely different vibe from that of luxury resorts). Since then, tourists have started venturing to the country on their own, at times finding it hard to get information on where to go, how to move around and how to plan their trip. 

I have been to the Maldives twice – once by myself, on classic luxury vacation; and more recently during a trip with my sister with whom I visited the Maldives on a budget.

Both experiences were equally good. But if I have to be completely honest, I think I liked it better the second time around, when I visited on a smaller budget. Staying in a luxury resort you are somehow isolated from the the country, you never get to experience local life – try as you might, you will encounter many obstacles any time you try to organize a day trip to a local island.

Visiting the Maldives independently, you will get to see a country that otherwise remains unknown, and get to explore it much more in depth. 

But things change rapidly. Keyodhoo, the island I stayed in during my latter trip, is constantly developing and more and more people are now traveling to the Maldives in search for paradise at low cost. 

This is the time to go to the Maldives. 

In this post, I highlight what you need to know to visit the Maldives on a budget and independently, and share some tips to plan your holiday.

Make sure to read my post 10 Fantastic Things To Do In Maldives For All Kinds Of Travelers.”

In a rush? No need to read further. These are the best guided tours that will let you visit the Maldives on a budget:

  • Maldives Dhoni Cruise – a budget friendly 7-days G Adventures cruise that goes around the southern bits of the archipelago.
  • Maldives Dhoni Explorer – a 7-days G Adventures cruise perfect for active travelers.
  • Maldives Island Hopping –  a very budget friendly 8-days G Adventures classic tour of the Maldives with accommodation in local guest houses and lots of fun activities.
Sand bank in the Maldives

Tourism in the Maldives is relatively new, especially independent travel

Tourism In The Maldives 

It was only a few years ago that the Maldives have started opening to independent travelers, allowing locals to open their guest houses. Before then, since the early 1970s when the first resorts were opened, people who wanted to visit this beautiful archipelago would have to shed quite a bit of money, and would end up visiting a country where there was a clear separation between the dream life in the resorts, and the real life in the local islands – which no outsider was really supposed to know about. 

Since the first guest houses opened, it’s become possible to visit the Maldives on a budget and as independent travelers. Yet, not many are aware that you can travel to the Maldives independently. Most continue opting for the expensive resorts, or prefer dreaming of a land that they consider magic, perfect.

The truth, however, is that the real Maldives are less than perfect. Gorgeous – yes. Blessed by the most beautiful beaches and sea you can hope to see in your lifetime – most likely. But perfect – not really. Yet, it is the real Maldives that you should try to visit. 

Mind you, experiencing the local islands of the Maldives and visiting the Maldives on a budget isn’t always merry. The overall impression you may get is that people want little to do with tourists. They are happy enough to get tourism money, but they seem little interested in any other form of exchange. 

Locals may at times appear to be unfriendly, hardly ever raising their heads to acknowledge you in reply to your hello. You may even end up wondering why are locals letting tourists in if they can’t seem happy to have them around. 

Be patient. This is a country where, unless working in a resort, locals have never really had any close encounter with outsiders. Tourism is all very new to them, and I am sure you can appreciate it is not easy to change your ways after centuries of isolation. 

Rest assured that if you manage to scratch beneath the surface you will encounter friendly people, who are happy to chat and learn a few words of your language; children who just want to play; traditional dances and food that deserve to be experienced. And most importantly you will always feel safe.  

Continue reading to find out what you should expect when traveling to the Maldives on a budget. 

Maldives local islands

If you visit local islands, you have to observe a strict dress code

11 Things To Know Before Visiting The Maldives On A Budget

It’s a Muslim country

The first thing you need to know about the Maldives, especially if you plan on visiting the Maldives on a budget, is that it is a Muslim country and Shariah law is applied. Most people who spend their holidays in luxury resorts – including me the first time I visited – tend to forget that. Resorts have nothing like mosques, call to prayer, and a strict dress code. But you will be definitely reminded when you travel independently and visit the local islands. 

As Friday is the day of prayer, the weekend is normally on Fridays and Saturdays. Public transportation doesn’t operate on those days, but you should still be able to find some open eateries. 

The call to prayer will wake you up at odd hours

You didn’t realize that the Maldives is a Muslim country? Don’t worry – if you happen to travel independently and stay in local islands, you will be quickly reminded of that. Mosques are located in every local island, and there are a few in the capital Male. The Muezzin calls to prayer 5 times a day, one of them being at around 4:30 am, on a call that at times lasts for more than 20 minutes. 

Chances are that the 4:30 am call to prayer will wake you up – islands are so small that the call will sound loud and clear wherever you are.

You can’t find alcohol (or pork)

If you are planning to travel to the Maldives on a budget and independently, you will have to forego alcohol consumption for the duration of your holiday. Alcohol, along with pork and dogs, is banned from the Maldives and only available in resorts. You can at most get alcohol free beer – I know, not nearly the same thing. 

You can have water, juice or sodas with your meals. And if you are hoping for a sunset drink or cocktails on the beach, I am afraid you will be in for a (perhaps unpleasant) surprise. 

I still think it’s worth giving up alcohol for the sake of an incredible holiday!


Keyodhoo is on the southernmost atoll in the Maldives

You can’t go around in tank tops and shorts

Since the country is Muslim, the dress code in local Maldives islands is quite strict. Both men and women are expected to cover their shoulders and legs at least down to their knees when walking around the island – even when on their way to the beach. Tank tops, shorts and mini-skirts and dresses are a no no; and you definitely can’t go around topless or in your bikini (which by the way is totally acceptable in resorts). 

If you are going on an excursion, you can remove your top or pants and stay in your bikini only once the boat has left the harbor. 

There are separate beaches for tourists and locals

Many local islands have what are called “bikini beaches” – beaches that are meant to be only for tourists. These are the ones where you will be able to wear a bikini or swimsuit. Locals normally hang out at the beach fully dressed – even when they swim. If a bikini beach is not available, guest houses will usually provide a small garden when you can sunbathe. 

TIP: Make sure to check whether the island where you intend to base yourself has a bikini beach or not. Keyodhoo Island, where I stayed during my last trip, and the nearby islands, all have bikini beaches.

Sunset in the Maldives

Good news! Sunset in the Maldives come for free!

Getting cash may be an issue

The local currency in the Maldives is the Maldivian Rufiyaa, or MVR. You will need cash to pay for meals, souvenirs and other small items. Dollars and Euro are usually accepted as payment in local islands, but you may be better off withdrawing local currency to avoid a disadvantageous exchange rate.

Credit cards aren’t generally accepted outside of Male – most guest houses won’t have a machine for that, and when they do they apply a surcharge of up to 5%.

All atolls now have a bank and an ATM, so you may need to go to the next island to get cash if necessary. 

TIP: You may want to withdraw all the cash you think you may need in Male international airport, where you will have no shortage of ATMs. But don’t take too much out – chances are you won’t be able to change it back into Dollars or Euro upon leaving.

TIP: Make it a point to pay your guesthouse in advance, upon booking.

You will have to pay a tourist tax

Before leaving the Maldives, your guesthouse owners will ask you to pay a green tax – $3 USD per day. You will most likely be asked to pay for it in USD, but if you can insist you will be able to pay it in Maldivian Rufiyaa too. 

Internet actually works quite well

You would think that wifi isn’t much of a thing when visiting the Maldives on a budget, but it’s quite the contrary! One thing that positively surprised me on my second visit to the Maldives is how well wifi worked in the guesthouse – actually much better than in most resorts. If you can’t give up social media when you leave your room, you can get a local SIM card for as little as $20 USD – you will be impressed to discover that you will have signal also when you are seemingly in the middle of the ocean.

Maldives on a budget

You can have a great time even on an overcast day

It’s always a good time to visit

Many will tell you that the best time to visit the Maldives is between December and April, during what’s supposed to be the dry season. I dissent! I have been in mid September and at the beginning of November, and enjoyed it enormously both times.

In September, the weather seems to be a bit better, with drier days and a nice breeze. In November, I experienced a couple of good afternoon or night storms – but that didn’t detract from the charm of the place. 

One thing for sure is that though it may rain on one island or atoll, it doesn’t necessarily mean it is raining on another one. 

In other words: you can visit the Maldives at any time, and should expect to get rain at some point. 

But you may want to go in the low season

One thing for sure, if you want to visit the Maldives on a budget you are better off traveling there in the low season. Prices tend to almost double during peak season. Keep in mind that high season goes from October to April, with months such as December, January and February being absolute peaks. 

There is quite a bit of garbage around

Many of the smaller islands in the Maldives don’t have any way to dispose of their garbage, with the result that you will often see piles of it abandoned in odd places, and that the locals will burn it in an attempt to get rid of it. You may want to try to minimize your impact by consuming as little plastic as possible, for example carrying a water bottle with a filter such as Lifestraw

Care to be a more responsible traveler? Make sure to read my post The Complete Guide To Becoming A More Responsible Traveler.”

Maldives holiday

Playing around in one of the sand banks

How To Visit The Maldives On A Budget

Breakdown of costs

Some say that you can visit the Maldives on a budget as small as $50 USD a day, but that would be a bit of a stretch, unless you are perfectly happy staying put in the island you have selected.

I think you need to factor in between $80 and $100 per day if you want to do activities such as fishing, snorkeling or visiting sand banks; and that’s if you are traveling with someone and you can share the costs of accommodation. It’s not super cheap, but it still is much cheaper than the resorts. 

This is a quick breakdown of expenses:

  • One night in a local guest house: between $40 and $85 USD per room. The price includes breakfast. For a higher fee (around $110 per room per night) you can opt to also have dinner included.
  • Daily green tax $3 USD.
  • $7 to $12 USD per meal.
  • Throw in the extra cash you will need for activities – book through your guest house for cheaper rates. Expect to pay between $25 and $50 for day trips to sand banks or fishing trips.
  • Ferry rides cost around $1 or $3 depending on whether you are booking a slow or fast boat and depending on the duration of the ride. 

TIP: Make sure to pick a flight that land in Male during the day, as night transfers to local islands can cost up to $200. If you can’t find a flight that lands during the day, opt to spend a night in Male and take the speedboat the day after.

With these costs, a one week holiday to the Maldives on a budget can be as cheap at $650 USD, without flights. 

Finding cheap flights to the Maldives

The Maldives are incredibly well connected internationally, and if you are a bit flexible with your travel dates you should be able to find cheap flights.

TIP: Make sure to book well in advance for the best rates.

If you are coming from the United States, you may need to have a short layover in the Middle East (Doha, Dubai or Abu Dhabi). Italy has direct flights from both Rome and Milan with Alitalia and Air Italy. There are direct Air France flights from Paris too. 

Consider pairing it with a trip to Sri Lanka

Did you know that the Maldives are really close to Sri Lanka? Flights from Colombo to Male take around an hour and a half, and can be as cheap at $100 round trip. 

If time is not an issue, you may want to add the Maldives as the last leg of your trip – I have done it twice and it works out wonderfully. Sri Lanka will provide a fantastic tropical getaway, with lots of culture, history, temples; and the gorgeous waters of the Maldives will be an incredible cherry on the cake of a perfect holiday. 

Make sure to read my post 20 Absolutely Beautiful Places To Visit In Sri Lanka” for more inspiration.

local islands sand bank

Make sure to pick your local island wisely

Picking a local island

There are 26 atolls in the Maldives. Among these atolls, around 100 islands are private luxury resorts. The rest are local islands, more or less small, and now opening to budget independent travelers. They typically have a school, a mosque, a couple of eateries, a bank (if at all), unpaved road and none to very few cars (you will see the occasional scooter). 

There are many islands to pick from! Trouble is that it is hard to find information on any of them. Search the name of an island online and you will find information on how many people live there, the exact location and little else. 

Among the islands you can go to in order to visit the Maldives on a budget, I can recommend Maafushi, where the first local guest house opened in 2010 and where you will find the biggest selection of accommodation, dive centers, local restaurants and tourist services. 

Keyodhoo, where I stayed during my last visit, is small (it will take you no more than one hour to explore the island) yet pretty. The beach is nice, well equipped and clean. There are 4 or 5 guest houses, each of them serving meals (either on site or at the local eateries) and a few other shops. There aren’t many eating options, so you will have to stick with what the guest house offers. 

Felidhoo is another lovely island. It’s small and there are very few eating options; which means that you may well be overcharged for what you get. With so little competition, you may also find that services are somewhat lacking.

Guraidhoo is quite close to Male and where you should go if you are planning on surfing. There is no bikini beach and the local beaches aren’t as good as in many other islands, but the waves are fabulous. 

Thoddoo is not too far  from Male, it has some great bikini beaches and it’s one of the very few islands where fruits and vegetables are cultivated to be sold to other islands. 

Budget accommodation in the Maldives

You won’t find hostels in the Maldives; and there is no such thing as bungalows on the beach like you’d find in many other Asian countries. Accommodation tends to be more on the mid-range side, with guest houses offering private rooms all having private bathrooms with hot water, air conditioners, wifi access, breakfast, snorkeling gear and twice a day cleaning. 

You won’t have a pool – but do you really need one when the sea is so beautiful?

Rooms can be as cheap at $35 USD for something on the basic side, but for that cheap price you won’t have breakfast included. 

You can find accommodation around the Maldives on You will need to narrow your search by travel dates and, if you are looking to go to a specific place, by atoll. 

Make sure to read my Maldives accommodation guide.

Maldives independent travel

With such clear waters, do you really need an infinity pool?

How to move around 

In order to visit the Maldives on a budget, you can rely on public ferries to move around the local islands. Ferries are cheap – you pay anything between $1 and $4 USD for a ride of up to 3 hours. There is a schedule, though you will soon realize that the ferries don’t run too frequently. 

Public ferries don’t stop at resorts, so if you want to visit a private island, you will have to book a speed boat. These can be very expensive (up to $250 USD for a ride). So you may want to try your luck and ask a helpful local to give you a ride for a smaller fee. 

If you want to take a flight to another island, this will cost between $350 and $500 USD.

Food in the Maldives

I can assure you, you will be positively surprised by food in the Maldives, even when visiting the Maldives on a budget. In fact, I enjoyed it way better the second time around, when I ate at local places, than when I was staying at luxury resorts. 

Food in the Maldives bursts with flavor. You can have some delicious fish curries – mild or not so mild – for a very reasonable price; chicken and fried rice; grilled fish; and lots of delicious fresh fruits and vegetables. One thing you may miss is good coffee – it seems only instant coffee is available. 

Some islands have quite a few eateries and you can go out for most meals, spending an average of $10 USD for a full meal. On smaller islands, you will be eating your meals at your guesthouse. 

Taking day trips

The best way to keep down your costs when traveling to the Maldives on a budget and independently is to book excursions through your guest house. You can expect to pay between $25 and $50 for trips to the coral reef, to sand banks or rides to other resorts (where you will have to pay an additional fee for a day pass).

Trips usually include transportation costs and meals, but you may want to double check that with your guest house.

Diving comes a bit more expensive (around $100 for two dives). It can be arranged through a local dive shop – most islands will have one, though depending on the season it will be closed. 

If you are a fan of online bookings, you can consider one of the options below. Keep in mind that most of these tours depart from Male:

Resort passes

If you would still like to experience the resort life even when visiting the Maldives on a budget, you will be able to. Many resorts provide day passes which cost between $50 and $200, depending on what is included. Some may literally give you just beach access, some may include spa treatments, meals and anything else to make you feel like you are living the luxury vacation dream.

Further readings about the Maldives

For more information about the Maldives you may consult one of these guidebooks:

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Learn how to budget your trip to the Maldives -via @clautavani