All regular food is included from the 3 restaurants, also Topsiders buffet, fast food, burgers, pizzas, deli counter, ice cream, fruit station, pirate buffet, midnight dessert buffet, evening food in bars and if you are still hungry 24hr room service(their steak and cheese sarnie is delicious)
Only food you contribute to is if you eat at the adult only Palo. Costs $15pp which some goes to server for tip, we also tipped another $15 so total $45 for brunch, did it for 1st time this cruise will post pics later(think it was Thursday we did it)
Disney also include all your soda, with meals and from soda station on deck 9(costs a small fortune with Royal Caribbean)
They are also the only cruiseline which alows you to take your own alcohol onboard, we take a bottle of vodka with us as we drink vodka and coke. If you take your own wine into your meals then you pay a corkage fee(think its $15) but you can walk in with a glass and not get charged. Still spent about $200 on cocktails and smoothies but saved a load taking the vodka.
1st cruise we did(4nights) we hardly spent anything, just tips. Tips are usually not included unless you prepay, something I would never do.