The short answer: decide on a total you're comfortable with first, then divide it across categories. As quotes come in, track each supplier's price, what you've paid and when the rest is due. Keeping it all in one place stops deposits and final payments from catching you out.
Step 1: Agree a total
Start with the overall figure, not the wish list. Having the number agreed early makes every other decision easier.
Step 2: List the categories
- Venue and hire
- Catering and drinks
- Photography and video
- Attire and rings
- Flowers and decor
- Music and entertainment
- Cake
- Hair and make-up
- Stationery and invitations
- Transport
- Favours and gifts
- Ceremony and registrar fees
- A contingency buffer
Step 3: Give each category a share
Some planners use a percentage split as a starting point, then adjust to reflect what matters most to the couple. For example, if photography is a priority, it gets a bigger share and something else gets less.
Step 4: Track quotes, payments and due dates
| Category | Quote | Paid | Balance due | Due date |
|---|---|---|---|---|
| Venue | £5,200 | £1,500 | £3,700 | 60 days before |
| Photographer | £1,600 | £400 | £1,200 | 30 days before |
Made-up example.
Step 5: Build the guest list alongside the budget
Guest numbers drive several of the biggest costs, especially catering. Tracking RSVPs and meal choices in the same place helps keep the two in step.
Frequently asked questions
How much should a wedding cost?
There's no right answer. It depends entirely on your priorities and what you're comfortable spending.
What's a contingency buffer for?
Small extras that crop up late, like alterations, extra guests or last-minute decor. Many couples keep a small amount unallocated for this.
Plan it in a template
Our Wedding Budget Planner suggests a starting split you can change, tracks quotes, deposits and due dates, highlights payments due soon, and includes a guest list with RSVPs and meal counts.
Important: This article is general information to help you organise your money. It is not financial advice and doesn't take your personal circumstances into account. Any figures are made-up examples. For free, impartial guidance, visit MoneyHelper. If you're worried about debt, contact StepChange or Citizens Advice.