Who should choose SWP?

Ideal for retirees, professionals seeking regular income, or anyone needing systematic withdrawals without fully redeeming investments.

How long will my corpus last?

That depends on withdrawal amount and fund performance. Use our calculator above to estimate sustainability.

Is SWP better than FD?

SWPs can be more tax efficient and flexible compared to fixed deposits. They also allow potential growth of remaining corpus.

Can I change withdrawal amount?

Yes, most funds allow you to modify the SWP amount and frequency after setup.

Plan Your Child’s Marriage

Secure funds for your child's marriage with Treasuryfy’s goal-based plans.

Goal Calculator

Affordable & Flexible

Start small and adjust your investment anytime without penalties.

Power of Compounding

Regular investments grow substantially over time due to compounding.

Goal-Oriented Planning

Invest with a clear goal in mind — Education, Marriage, or Retirement.

Why planning for your child’s marriage is necessary?

A wedding in India today can be a major financial event — many parents spend large sums on ceremonies, jewellery, food, venue, travel and more. With rising inflation, the cost of a marriage a decade or two from now may be several times the current cost — meaning you’ll need a larger corpus if you wait. Without planning, you may end up dipping into your retirement savings, taking on debt, or compromising on other goals (like your child’s education or your own financial security). By starting early and treating your child’s marriage as a financial goal, you give yourself time to invest modest amounts, benefit from compounding, and avoid last-minute scramble.

How to plan for your child’s marriage?

1. Estimate the future cost

Start with today’s approximate cost of the wedding you envisage. Then apply a reasonable inflation rate (for example 5-10% per annum) to project what you’ll need when your child is likely to get married.

2. Define the time horizon & budget

How many years until your child’s marriage? Knowing that lets you determine how much you need to save monthly or annually. The longer the horizon, the smaller the monthly burden.

3. Choose the right investment strategy

With a longer horizon, you can invest in growth assets (equities/mutual funds) and gradually shift to safer assets as you near the target. For shorter horizons, you may need to invest more conservatively yet commit more each month.

4. Prioritise this goal alongside others

Don’t let your child’s marriage fund eat into your retirement savings or your child’s education fund. Make sure your investments and insurance cover are in place first.

5. Monitor and adjust

Review at least annually — has inflation changed? Has your target cost grown? Has your investment returned as expected? Adjust your monthly savings accordingly.

Frequently Asked Questions

When should I start planning for my child’s marriage?

The earlier the better. Starting when your child is young gives you a longer time horizon, which means you can invest smaller monthly amounts and benefit from compounding.

How much should I save monthly for my child’s marriage?

It depends on your target cost, horizon, and expected return. For instance, if you estimate a future cost of ₹50 lakh in 15 years and you expect 10% annual return, the required monthly investment will vary based on those parameters. Use calculators or your goal-tool to estimate.

What if I start late (say only 5 years before marriage)?

Your time horizon is short, so you’ll either need to save a much larger monthly amount, reduce the wedding cost expectation, or accept more risk/investment in aggressive growth. At that stage, it becomes critical to prioritise and possibly trim other non-essential costs.

Can I use debt (loan) for my child’s wedding instead of saving?

While possible, loans add interest burden and reduce flexibility. Increasingly, financial advisors recommend having a corpus ready rather than relying on large debt. Planning in advance avoids the high stress of last-minute funding.

How should I balance my child’s education fund and marriage fund?

Education is typically a more urgent priority (since it may occur sooner) and may have a shorter time horizon. Ensure your child’s education corpus and your retirement planning are not compromised when you allocate for the marriage fund. Then once those are on track, start/accelerate the wedding fund savings.