Can I afford a ₹40.0 L wedding on ₹1.0 L a month?
No — not on these numbers.
- The upfront amount is more than your savings and investments combined.
- Your cash runs out at age 32 on this plan. Without it, it doesn't.
- Leaves under a month of buffer. One bad month and you're borrowing.
The numbers
| Paid upfrontIn full, from savings | ₹40.0 L |
| Emergency buffer afterDown from 6.0 mo | 0.0 mo |
| Cost by age 60Net worth you give up | ₹3.09 Cr |
At ₹1.0 L a month you would end up with ₹27.11 Cr by 60 with this wedding, against ₹30.20 Cr without it.
What this breaks
- Three to six months of buffer
Leaves under a month of buffer. One bad month and you're borrowing.
Bogleheads and Dave Ramsey's Baby Steps 1 and 3
Your numbers are not these numbers
This page assumes a great deal about your expenses, savings and existing loans. Enter your own and get the answer for your actual situation.
Run your own numbersWhat this page assumed
You told us one number. Everything else had to be assumed, so here is exactly what was taken for granted:
- Monthly expenses set to 45% of take-home
- Six months of expenses held as an emergency buffer
- One year of take-home already invested
- No existing loan EMIs, and age 32