Marriage Planner

Plan for wedding expenses. Compute required monthly savings and lump sum targets with inflation adjustments.

Parameters
₹
Yrs
%
Calculated Results
Inflated Wedding Cost-
Required Monthly SIP-
Required Lump Sum-
Compounding
Inflation
%
Visual Projection
Invested
Corpus
Real Value
Yearly Breakdowns
YearBeginning BalanceWithdrawnInterest EarnedEnding Balance
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2    
3    
4    
5    
6    

Planning a Wedding Corpus Instead of Borrowing for It

Weddings in India range from small ceremonies to multi-day celebrations, and the bill is dominated by services (venue, catering, décor, photography, jewellery) whose prices have historically risen faster than general consumer prices. This planner inflates your current wedding budget (the default is 7% a year) and then works out the monthly SIP or one-time investment that funds the future cost. On the defaults, a ₹20 lakh wedding six years away costs about ₹30 lakh by then; building that sum takes roughly ₹29,000 a month at a 12% expected return, or about ₹15.2 lakh as a lump sum today.

The gap between those two routes is the familiar compounding story: the SIP path invests about ₹20.9 lakh in total over six years to create the same ₹30 lakh corpus, because each instalment compounds for less time than a single upfront amount. Inflation does the opposite work, raising the target every year it is delayed: at 8% instead of 7%, the same wedding would need about ₹31.7 lakh. That is why early planning matters more than the absolute budget suggests.

Build the estimate from its parts (venue and catering, attire, jewellery, travel) rather than a single all-in figure, and remember that the scale of the event, not only the number of years, drives the total. A wedding is one of the two big family goals: pair it with the child corpus calculator for other milestones, the education planner for college costs, and the goal planner for targets that inflate at closer to 6% general inflation. As the date approaches, shift the accumulated corpus towards safer instruments so a market fall in the final year cannot undo years of saving.

Popular Marriage Planner Calculations

Click on any of the popular search scenarios below to load the calculator with pre-configured values:

Frequently Asked Questions

How much should I save every month for a wedding?
It depends on the budget and the number of years available. On this planner's defaults, a ₹20 lakh wedding in six years, the required SIP is about ₹29,000 a month at a 12% return. A smaller ₹10 lakh wedding three years away needs roughly ₹29,300 a month, because the shorter horizon leaves little time for compounding, while the same budget spread over more years lowers the instalment.
How fast do wedding costs rise in India?
Service-heavy expenses such as venues, catering and photography have generally risen faster than headline consumer inflation, which is why this planner defaults to 7% rather than the 6% used for general goals. The difference compounds: at 8% a year, a ₹20 lakh wedding six years away would cost about ₹31.7 lakh, against about ₹30 lakh at 7%. Treat the rate as an assumption to test, not a fixed number.
Should I take a loan for a wedding?
A loan spreads the cost over future years but adds interest on top of a bill that is already inflating, and the EMIs then compete with savings for every other goal. The alternative is what the planner computes: a monthly investment started years earlier, funded from income rather than from borrowed money. The earlier the start, the smaller the instalment needed for the same wedding budget.
Is it safe to invest the wedding fund in equity funds?
It depends on the time left. With five or more years, a balanced equity-heavy portfolio has historically been a reasonable vehicle for a goal that must beat inflation, but there is no guarantee over any specific period. With two or three years to go, a market fall could hit exactly when the money is needed, so most plans shift the corpus towards safer instruments as the date approaches.

Formula & Mathematical Approach

Estimates future wedding expenses adjusted for inflation and computes the SIP required to meet the goal.

Future Cost=Current Cost×(1+Inflation100)Years\text{Future Cost} = \text{Current Cost} \times \left(1 + \frac{\text{Inflation}}{100}\right)^{\text{Years}}
Required Monthly SIP=Future Cost[(1+i)Months−1i]×(1+i)\text{Required Monthly SIP} = \frac{\text{Future Cost}}{\left[ \frac{(1 + i)^{\text{Months}} - 1}{i} \right] \times (1 + i)}
Show Plain Text / Excel Formula
Future Cost = Current Cost * (1 + Inflation / 100) ^ Years
Required SIP = Future Cost / (SIP Compounding Factor)

Key Assumptions

  • Inflation is constant over the period.
  • Level monthly savings are maintained at the start of each month.