Wedding Savings Timeline Calculator (when you can afford the wedding)

How it works

Each month the balance earns interest at the monthly rate i = (1 + yearly rate)^1/12 − 1 and then both monthly savings are added. The goal can rise each year by the cost increase you enter. The goal date is the first month in which the balance reaches the goal. The saving needed for your target date solves the sinking-fund formula: (goal at that date − current savings × (1 + i)^N) × i ÷ ((1 + i)^N − 1). Taxes on interest are not included.

⚠ Estimates for information only — not financial advice.

FAQ

What should the goal include?

Whatever you want paid from savings: the ceremony, rings, honeymoon, moving costs, and a home deposit if you plan one. Add a buffer of 5–10% for things you forget.

Why add a yearly cost rise?

Venue, food and housing prices tend to rise. If your goal is two years away, a few percent a year can add months to the timeline.

Checked 11 Nov 2026. Monthly compounding and the sinking-fund payment, standard time-value-of-money relations (R. A. DeFusco et al., “Quantitative Investment Analysis”, CFA Institute / Wiley). No external figures are used — the goal is yours.