$100 per person is needed if you go through Royal Caribbean, which I recommend. If you go through a travel agent you have to pay their fees and a certain amount per month towards your cruise. If you go through Royal Caribbean, there are no extra fees and you also do not have to pay a certain amount per month. They don't care how much you pay or when you pay it, as long as the cruise is paid off 60 days before travel date. I know, I've done 6 cruises (I do one every other year) and 5 have been with Royal Caribbean.