Marriage Planning Calculator

Plan and save for your child's marriage expenses through systematic investment planning. Build a substantial corpus to celebrate their special day without financial stress.

Marriage Planning

Long-term Investment

Goal-based SIP

20-25 Year Planning

Select Financial Goal

Plan for your child's marriage and celebration expenses

Goal Amount (Today's Value)

₹

₹1L₹2Cr

Current Savings for this Goal

₹

₹0₹15.00 L

Investment Period

years

1 year50 years

Expected Annual Return

5%20%

Consider Inflation

2%15%

Today's Value:₹15.00 L

Future Value:₹47.58 L

Required Monthly SIP

₹0

Goal may not be achieved with current settings

Marriage Planning

Risk Profile: moderate

Total Invested

₹0

Estimated Returns

₹0

Maturity Amount

₹0

Consider increasing SIP or investment period

Goal vs Achievement

Target Amount₹47.58 L

Expected Amount₹0

Surplus/Deficit₹-47,58,254

Goal Achievement Chart

Track your progress towards your goal

Goal Amount

₹85,83,741

Today's value: ₹20,00,000

Maturity Amount

₹20,00,000

Below target

Achievement Timeline

Not achievable

With current plan

Investment Growth Over Time

Invested

Value

Goal

Year 0

₹0K

Year 3

₹1.1L

Year 6

₹2.7L

Year 9

₹5.0L

Year 12

₹8.1L

Year 15

₹12.5L

Year 18

₹18.7L

Year 21

₹27.5L

Year 24

₹39.7L

Year 25

₹44.8L

Key Insights

Total Returns:₹12,50,000

Return Percentage:166.7%

Monthly SIP:₹2,500

Investment Period:25 years

Year-wise SIP Breakdown

Detailed annual progress of your SIP investment journey

Year

Monthly SIP

Annual Investment

Cumulative Investment

Portfolio Value

Annual Returns

Total Returns

2025

₹2,500

₹30,000

₹31,800

+₹1,800

₹1,800

2026

₹2,500

₹30,000

₹60,000

₹67,416

+₹5,616

₹7,416

2027

₹2,500

₹30,000

₹90,000

₹1,07,306

+₹9,890

₹17,306

2028

₹2,500

₹30,000

₹1,20,000

₹1,51,983

+₹14,677

₹31,983

2029

₹2,500

₹30,000

₹1,50,000

₹2,02,021

+₹20,038

₹52,021

2030

₹2,500

₹30,000

₹1,80,000

₹2,58,063

+₹26,042

₹78,063

2031

₹2,500

₹30,000

₹2,10,000

₹3,20,831

+₹32,768

₹1,10,831

2032

₹2,500

₹30,000

₹2,40,000

₹3,91,130

+₹40,299

₹1,51,130

2033

₹2,500

₹30,000

₹2,70,000

₹4,69,866

+₹48,736

₹1,99,866

2034

₹2,500

₹30,000

₹3,00,000

₹5,58,050

+₹58,184

₹2,58,050

Financial Milestones

Track your journey to key financial goals

₹1 Lakh

Year 3

₹5 Lakh

Year 10

₹10 Lakh

Year 14

₹25 Lakh

Year 21

Progress Summary

4 out of 6 milestones achieved in 25 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

12%

Compounded annually

Wealth Multiplier

2.7x

Your money grows by this factor

Returns vs Investment

167%

Returns as % of total investment

Marriage Planning Formulas

Formulas to estimate future marriage costs and calculate required savings.

Future Marriage Cost

Calculate the future value of marriage expenses considering inflation.

Future Cost = Present Cost × (1 + Inflation Rate)^Years

Example:

Current cost of ₹10,00,000 with 5% inflation for 8 years

10,00,000 × (1 + 0.05)^8

= ₹14,77,455

Variables:

Present Cost - Current estimated marriage cost

Inflation Rate - Expected annual inflation rate (as decimal)

Years - Number of years until marriage

Required Monthly SIP

Calculate the monthly SIP needed to accumulate the future marriage cost.

SIP = Future Cost / [((1 + r)^n - 1) / r] × (1 + r)

Example:

To accumulate ₹14,77,455 in 8 years with 10% annual return

14,77,455 / [((1 + 0.10/12)^(8*12) - 1) / (0.10/12)] × (1 + 0.10/12)

= ₹10,000

Variables:

Future Cost - Target future marriage cost

r - Monthly return rate (Annual rate ÷ 12)

n - Total number of months for investment

These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.

Marriage Cost Planning in India

Wedding Expense Categories

Venue & Catering: 40-50% of budget
Jewelry & Gifts: 20-30% of budget
Photography & Decoration: 10-15%
Clothes & Accessories: 8-12%

Smart Investment Strategy

Start SIP when child is born for 25-year planning
Use balanced equity and debt funds
Consider gold ETFs for jewelry planning
Step-up SIP annually with income growth

Budget-wise Wedding Planning

Simple Wedding (₹8-15 Lakhs)

100-200 guests, local venue

Focus on conservative funds, shorter investment horizon

Traditional Wedding (₹15-35 Lakhs)

200-500 guests, multiple ceremonies

Balanced equity-debt portfolio with gold component

Grand Wedding (₹35+ Lakhs)

500+ guests, destination or luxury venue

Aggressive equity growth with systematic withdrawal planning

Beat Wedding Inflation

Wedding costs rise 6-8% annually. Start your SIP 20-25 years early to build a substantial wedding fund.

Custom Wedding Planning

Plan based on your family traditions, location preferences, and desired wedding scale with flexible investment options.

Stress-free Celebration

Focus on your child's happiness and the joy of celebration without worrying about financial arrangements.

Frequently Asked Questions

Find answers to common questions about goal-based SIP planning and financial planning strategies.

What is goal-based SIP planning?

Goal-based SIP planning involves investing systematically in mutual funds with specific financial objectives in mind. Instead of investing randomly, you define clear goals (like education, marriage, retirement) and calculate the required monthly investment to achieve them within a specific timeframe.

How does inflation affect my financial goals?

Inflation erodes purchasing power over time. What costs ₹1 lakh today might cost ₹2-3 lakhs in 15-20 years. Our calculator includes inflation adjustment to show the realistic future cost of your goals, helping you plan adequately for actual financial needs.

Should I have separate SIPs for different goals?

Yes, it's advisable to have separate SIPs for different goals as they have different time horizons and risk profiles. Short-term goals (1-3 years) need conservative investments, while long-term goals (10+ years) can have higher equity allocation for better returns.

What if I can't invest the calculated SIP amount?

Start with whatever amount you can afford and increase it annually as your income grows. You can also extend the investment period or adjust the goal amount. The key is to start early and invest consistently, even if the amount is smaller initially.

Can I change my SIP amount during the investment period?

Yes, most mutual funds allow you to increase, decrease, or pause SIPs. You can set up step-up SIPs that automatically increase your investment annually. This helps counter inflation and leverage salary increments for faster goal achievement.

What returns should I expect from equity mutual funds?

Historically, equity mutual funds have delivered 12-15% annual returns over 10+ year periods. However, returns can be volatile in short term. For planning purposes, using 10-12% expected returns for long-term goals is reasonable and conservative.

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