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Marriage Planning Calculator

A wedding is one of the largest single expenses for many Indian families, and it usually has a date you can plan towards. Enter what each part would cost today, how far away the wedding is and what you have saved, and the calculator shows the future cost and the monthly SIP or one-time amount that covers it.

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Calculator and results

A wedding costing ₹23,00,000 today could cost about ₹32,25,869 in 5 years at 7% inflation. At an assumed 10% return that takes a monthly SIP of ₹35,126, or ₹17,03,011 invested once today.

The figures shown are only an example, not averages or gold prices. Replace them with today's quotes or your own estimates.

₹
₹

Per-plate rate times your guest count, plus service.

₹

Value any gold at today's price yourself; gold can move very differently from inflation.

₹

Decoration, photography, travel, guest stay, gifts.

yrs
%

An assumption. Test a higher and a lower rate.

%

An assumption. For a wedding a few years away, a lower-risk mix is common.

₹

Required monthly SIP

₹35,126

for 5 years

Wedding cost then

₹32,25,869

₹23,00,000 today

Or a lumpsum today

₹17,03,011

one-time, on top of savings

Savings at the wedding

₹4,83,153

grown at 10%

Cost by item
ItemTodayIn 5 years
Venue₹5,00,000₹7,01,276
Catering₹8,00,000₹11,22,041
Clothing and jewellery₹7,00,000₹9,81,786
Other costs₹3,00,000₹4,20,766
SIP path to the wedding
After 5 years: put in ₹24,07,560, wedding fund ₹32,25,875.₹0₹10 L₹20 L₹30 L₹40 L012345
Year 5Put in ₹24.08 LGrowth ₹8.18 LWedding fund ₹32.26 L
Year by year
Year by year
YearPut in to dateWedding fund
1₹7,21,512₹7,75,056
2₹11,43,024₹12,99,716
3₹15,64,536₹18,79,158
4₹19,86,048₹25,19,105
5₹24,07,560₹32,25,875

Saved scenarios stay in this browser only. No sign-up.

Required monthly SIP

₹35,126

Cost ₹32,25,869
What it is:
A savings planner for wedding costs in India, built on the same engine as our goal SIP calculator.
What it calculates:
The future cost of each part of the wedding, the total, and the monthly SIP or lumpsum today needed to pay for it.

Key Assumptions

  • Every cost item grows at the single inflation rate you enter.
  • Costs today are your own estimates; no average wedding cost or gold price is built in.
  • Savings and the SIP grow at a constant expected return; SIP instalments are invested at the start of each month.
  • Tax on gains is not deducted.

How does the Marriage Planning Calculator work?

Enter today's cost of each part of the wedding: venue, catering, clothing and jewellery, and everything else such as decoration, photography, travel and gifts. Use quotes or your own estimates; the calculator does not assume any average cost.

Each part is grown at the inflation rate you enter, compounded once a year, to the year of the wedding. Gold and jewellery prices can move very differently from general inflation, so test a higher and a lower rate.

Savings already set aside are grown at the expected return and subtracted. The monthly SIP for the rest is solved with the same start-of-month convention as our SIP calculator and rounded up to the next rupee.

The lumpsum figure is the gap discounted to today: one investment now, on top of your savings, that covers the cost if the return holds.

Marriage Planning Calculator formula

Future cost = (V + C + J + O) x (1 + f)^t; SIP = (Future cost - S x (1 + r)^t) / ([((1 + i)^n - 1) / i] x (1 + i))

V, C, J, O
= venue, catering, clothing and jewellery, and other costs today
f
= inflation per year, as a decimal
t
= years until the wedding
S
= savings already set aside
r
= expected annual return, as a decimal
i
= monthly return = annual return / 12 / 100
n
= number of monthly instalments = t x 12

Marriage Planning Calculator: worked example

Illustrative costs of ₹23,00,000 today, wedding in 5 years, ₹3,00,000 already saved

Venue in 5 years
₹7,01,276
Catering in 5 years
₹11,22,041
Clothing and jewellery in 5 years
₹9,81,786
Other costs in 5 years
₹4,20,766
Total at 7% inflation
₹32,25,869
Savings grown at 10%
₹4,83,153
Required monthly SIP
₹35,126
Or a one-time lumpsum today
₹17,03,011

Marriage Planning Calculator: frequently asked questions

How do I estimate today's wedding cost?
Start from quotes for the venue and per-plate catering for your guest count, then add clothing, jewellery, decoration, photography, travel, stay for guests and gifts. Costs vary hugely by city and by family, so your own quotes are the only reliable starting point.
Should jewellery be planned separately?
Gold prices do not follow general inflation and can rise or fall sharply. If jewellery is a large part of the budget, some families buy gold gradually over the years instead. Use the gold price calculator to value a quantity at the current price, and test a range of inflation rates here.
What return should I assume?
It depends on how far away the wedding is. For a date more than five to seven years out, an equity-heavy SIP is common. For a date two or three years away, a lower-risk mix such as debt funds or recurring deposits is safer, and the lower return raises the SIP.
Can I use a step-up SIP?
Yes. If your income will rise, a SIP that increases each year starts lower. The step-up SIP calculator works out the instalment for any yearly increase.
Is a personal loan a good way to pay for a wedding?
It is expensive: personal loan rates are well above what savings earn, and the EMIs run for years after the event. Saving in advance, even for part of the cost, reduces how much you need to borrow.

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Reviewed by Pradipta Ray, MBA (Finance) · Updated