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Wedding Savings Calculator

Work out how much to save each month for your wedding, based on your budget, guest count and how many months you have left.

Checked by the Money Years editors · Updated October 28, 2026 · How we calculate

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Turning a budget into a monthly number

Weddings are one of the few big expenses with a fixed date, which makes them easy to plan for. Subtract what family is contributing and what you have saved, then spread the rest over the months that remain. A $30,000 wedding with $5,000 from family and $4,000 saved needs about $1,130 a month over 18 months, or roughly $565 each if two of you are saving.

Surveys of US couples, such as The Knot's annual Real Weddings Study, have recently put the average wedding cost at around $30,000 to $35,000, but the range is enormous and depends mostly on location and guest count. Plenty of couples spend under $15,000.

Guest count drives the budget

Venue and catering usually take the biggest share, and both are priced per head, so the guest list is the strongest lever you have. At $250 per guest, cutting 30 names saves $7,500. The rough split in the results shows where a typical budget goes, which helps you decide early what matters most to you and where to trim.

Book the big items early and set aside a buffer of about 5% to 10% for the extras that always appear late, such as alterations, tips and last-minute decorations.

Common questions

How much does the average wedding cost?

Recent US surveys put it at roughly $30,000 to $35,000, with wide variation by city and guest count.

How much should I save per month for a wedding?

Divide the amount still needed by the months left. For $20,000 over 18 months, about $1,080 a month.

How can we lower the cost per guest?

Smaller guest lists, off-peak dates such as Fridays or winter months, and brunch or lunch receptions all reduce per-head costs.

This calculator gives estimates for planning. Real returns, rates and prices change, so treat the result as a guide rather than a promise. Read how we build and check our calculators.