Kotor looks like a stage set, and for once the set is real. A Venetian walled town sits at the very end of the Bay of Kotor, which is usually called Europe's southernmost fjord and is in fact a drowned river valley, with limestone mountains standing straight up behind it so close that the rock works as the rear wall. Venice held the town from 1420 to 1797, which is why the squares, loggias and bell towers look more Italian than Balkan, and the old town and its surroundings have been on the UNESCO list since 1979. About 13,000 people live here. In peak summer up to five cruise ships a day have been reported in the port, and one day in June 2023 brought nearly 11,000 cruise passengers.
That is the honest part, and it shapes the plan. Kotor itself takes one day, best done early, before the day visitors arrive. The other four are the reason to stay five: the sea captains' villages and the island church at Perast, the Lovćen mountain with Njegoš's mausoleum and the village where the ham is smoked, Budva and the closed-off island of Sveti Stefan, and the quiet Tivat and Luštica side. The guide is written for November, when crowds thin out, rooms are cheap and a few things close for winter. The main one is the Njegoš Mausoleum, shut from 16 November to 10 April, so day three has a plan for both cases.
The days are built by geography: Kotor, the bay road to Perast, Lovćen with Njeguši and Cetinje, Budva and Sveti Stefan, then Tivat and the Luštica peninsula. Day three needs a car, tour or taxi, day four works by bus, and day five is easiest by car. Start on a Tuesday: from 16 November the Cetinje museums open only Monday to Friday, so Cetinje lands on a Thursday, and the Naval Heritage Museum in Tivat (Tuesday to Saturday) on a Saturday. For the country as a whole, see Montenegro. Coming from Croatia, the 5 Days in Dubrovnik guide covers the other end of this coast, about 80 km away.