Wedding Budget & Debt Planner
Build your custom wedding budget with splurge/save choices for each category. Compare payment methods and see the true long-term cost of financing your special day.
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Quick Start Presets
Build Your Budget - Choose for Each Category
How Will You Pay?
Payment Method Comparison
| Method | Monthly Payment | Payoff Time | Total Interest | Total Paid |
|---|---|---|---|---|
| Cash (Save First) | $1833 | 1.5 years | $$0 | $$33.0K |
| Credit Card (Min Payments) | $660 | 30.0 years | $$163.6K | $$196.6K |
| Personal Loan | $709 | 5.0 years | $$9.6K | $$42.6K |
| Mixed (Cash + Loan) | $494 | 5.0 years | $$6.7K | $$39.7K |
Selected: Cash (Save First)
- • No debt or interest
- • Best financial choice
- • Start marriage debt-free
- • Wedding delayed 18 months
- • Need to save $1833/month
- • Requires financial discipline
Budget Breakdown by Category
What That Money Could Be Instead
Alternative Wedding Sizes
💡 Key Insights
Average Wedding Costs by Category (2025)
| Category | Save | Mid-Range | Splurge |
|---|---|---|---|
| Venue | $3,000 | $8,000 | $15,000 |
| Catering | $5,000 | $10,000 | $18,000 |
| Photography | $1,500 | $3,000 | $6,000 |
Key Insight: According to The Knot's 2024 Real Weddings Study, the average American wedding costs around $32,500 (100 guests). However, you can customize your budget by choosing where to splurge (photography, venue) and where to save (invitations, decorations).
Frequently Asked Questions
Common questions about the Wedding Budget & Debt Planner
📚 Sources & Research
Data Collection Date: January 2025
Last Updated: January 2025
Methodology: Analysis combines multiple industry sources, government data, and financial planning best practices to provide comprehensive wedding cost guidance.
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⚠️ Important Disclaimer
This Wedding Budget & Debt Planner provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.