Marriage Planner
Plan a wedding for your son or daughter with gold-inflation-aware projections. Split between equity SIP and Sovereign Gold Bonds, with fixed-₹ or percentage annual step-up.
Your Details
Optional — personalises the plan and PDF
Typical: 24–28 (daughter) / 26–30 (son)
Venue, catering, decor, music, photography (up to ₹10 Cr)
Venue, clothes, gifts — typically CPI + 2%
Gold has averaged ~10% p.a. over last 2 decades
Any MF / FD / gold savings already set aside (up to ₹10 Cr)
Each year your SIP grows by this percentage. Typical: 10%.
Results
Before inflation adjustment
200g grown at 10% p.a.
100% Equity MF SIP
Wedding Cost Breakdown (at age 25)
How your future wedding budget splits across ceremony, gold, clothes, and gifts
Corpus Growth vs Wedding Target
Year-by-year accumulation towards your child’s wedding goal
Year-by-Year SIP Breakup
Exact monthly SIP and corpus build-up with 10% annual step-up for your child.
| Year | Child's Age | Monthly SIP | Annual Invest | Cumulative Invested | Corpus (EOY) |
|---|---|---|---|---|---|
| Yr 1 | 6 | ₹11,748 | ₹1.41 L | ₹1.41 L | ₹1.49 L |
| Yr 2 | 7 | ₹12,923 | ₹1.55 L | ₹2.96 L | ₹3.31 L |
| Yr 3 | 8 | ₹14,215 | ₹1.71 L | ₹4.67 L | ₹5.51 L |
| Yr 4 | 9 | ₹15,636 | ₹1.88 L | ₹6.54 L | ₹8.15 L |
| Yr 5 | 10 | ₹17,200 | ₹2.06 L | ₹8.61 L | ₹11.31 L |
| Yr 6 | 11 | ₹18,920 | ₹2.27 L | ₹10.88 L | ₹15.07 L |
| Yr 7 | 12 | ₹20,812 | ₹2.50 L | ₹13.37 L | ₹19.52 L |
| Yr 8 | 13 | ₹22,893 | ₹2.75 L | ₹16.12 L | ₹24.76 L |
| Yr 9 | 14 | ₹25,182 | ₹3.02 L | ₹19.14 L | ₹30.93 L |
| Yr 10 | 15 | ₹27,701 | ₹3.32 L | ₹22.47 L | ₹38.15 L |
| Yr 11 | 16 | ₹30,471 | ₹3.66 L | ₹26.12 L | ₹46.59 L |
| Yr 12 | 17 | ₹33,518 | ₹4.02 L | ₹30.15 L | ₹56.43 L |
| Yr 13 | 18 | ₹36,869 | ₹4.42 L | ₹34.57 L | ₹67.88 L |
| Yr 14 | 19 | ₹40,556 | ₹4.87 L | ₹39.44 L | ₹81.17 L |
| Yr 15 | 20 | ₹44,612 | ₹5.35 L | ₹44.79 L | ₹96.57 L |
| Yr 16 | 21 | ₹49,073 | ₹5.89 L | ₹50.68 L | ₹1.14 Cr |
| Yr 17 | 22 | ₹53,981 | ₹6.48 L | ₹57.16 L | ₹1.35 Cr |
| Yr 18 | 23 | ₹59,379 | ₹7.13 L | ₹64.28 L | ₹1.59 Cr |
| Yr 19 | 24 | ₹65,316 | ₹7.84 L | ₹72.12 L | ₹1.86 Cr |
| Yr 20 | 25 | ₹71,848 | ₹8.62 L | ₹80.74 L | ₹2.17 Cr |
| Total | ₹80.74 L | ₹2.17 Cr |
Line-Item Future Cost
Each component inflated to the target marriage year (age 25)
| Item | Today | Inflation | At Wedding |
|---|---|---|---|
| Ceremony & Venue | ₹15.00 L | 8% | ₹69.91 L |
| Gold Jewellery (200g) | ₹15.00 L | 10% | ₹1.01 Cr |
| Clothes / Household | ₹5.00 L | 8% | ₹23.30 L |
| Gifts / Miscellaneous | ₹5.00 L | 8% | ₹23.30 L |
| Total | ₹40.00 L | blended | ₹2.17 Cr |
Actionable Insights
You have 20 years to build a wedding corpus of ₹2.17 Cr. Starting early lets compounding do the heavy lifting.
Gold inflation has averaged 10% vs CPI 6% over the last 20 years. Locking grams via Sovereign Gold Bonds (SGB) protects against rising gold prices and adds a 2.5% annual coupon on top.
Consider the SIP + SGB route: split a portion (e.g., 30%) into Sovereign Gold Bonds to hedge the jewellery component of your wedding budget.
A 10% annual step-up on your SIP lets you start with a smaller base amount and grow contributions as your income rises, keeping the plan affordable.
Review this plan every 2–3 years. Wedding aspirations, gold prices, and family circumstances change — your Trustner Relationship Manager can rebalance equity and SGB allocations annually.
Good news: With 20 years on your side and a disciplined ₹11,748/month SIP (stepping up 10% annually), your child’s wedding is fully fundable. Your Trustner Relationship Manager can pick the right funds and rebalance allocations every year.
Turn this wedding plan into action
Share your contact and your Relationship Manager will help you pick the right equity funds and Sovereign Gold Bond tranches to match this goal. Zero obligation.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Planning for a wedding without derailing your finances
A wedding is one of the largest single expenses many Indian families plan for, and like education it has its own high inflation — venues, catering and gold all tend to rise faster than general prices. Because it is a dated goal with a known year, it is very plannable; the mistake is funding it at the last minute through loans or by raiding retirement and long-term investments.
This calculator grows today’s estimated wedding cost by inflation to the target year and works back to the monthly investment needed to fund it. Starting early, and keeping the money in instruments matched to the horizon, lets you meet the goal from savings rather than debt.
How this calculator works
- 1Enter the current estimated cost and the number of years until the wedding.
- 2Set an inflation rate and an expected return.
- 3The calculator shows the future cost and the monthly SIP needed to reach it.
Frequently asked questions
How much should I save for a wedding?
Start from the future cost, not today’s estimate. Grow the current budget by an inflation rate (weddings often inflate faster than general prices) to the target year, then work back to a monthly amount. This calculator produces that figure so you can fund the wedding from planned savings.
When should I start saving for a wedding?
As soon as the goal has a rough timeline. The more years you have, the more compounding does the work and the smaller the monthly amount needed. Starting a few years ahead is the difference between funding it comfortably from savings and scrambling with loans.
Should I take a loan for a wedding?
Borrowing for a wedding means paying interest on a one-time consumption expense and starting married life with debt. Where possible, plan ahead and fund it from savings. If a shortfall is unavoidable, keep any borrowing modest and repay it quickly rather than stretching it over years.
Illustrative projections based on the rates you enter; actual costs and returns vary.
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