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.
Turn These Numbers Into Your Real Wealth
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