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Every simcha ahead,
one monthly amount.

From your children’s ages, every bar mitzvah, bat mitzvah and chasuna on one timeline, priced for the year it comes. Then the one steady amount that, saved from now, has each one paid for when it arrives.

Both sides of a wedding · Inflation and interest · The tight years, named

Put in your family

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Set aside each month, for now

$0

Every simcha, at future prices

$0

Simchas ahead

None ahead

The years ahead. Each circle is one simcha, sized by what it will cost that year. The line is your simcha fund: it rises with every deposit and steps down at each simcha, never below zero.

WeddingBar or bat mitzvah

Your children

Their ages today, and whether each is a son or a daughter. Names are optional and stay on this device.

    Assumes a bar mitzvah at 13, a bat mitzvah at 12, and a wedding at 23 for sons and 21 for daughters. These are assumptions, not predictions; change them under Fine-tune.

    What each simcha costs

    In today’s dollars, the part your family pays. The starting amounts are illustrations, not averages; put in your own. Who covers what at a wedding differs by family and community, so the chosson’s side and the kallah’s side each have their own line.

    $
    $
    $
    $
    $
    Fine-tune 7 more inputs
    %
    Lower it if grandparents or gifts will help.
    % a year
    A modest rate, like a high-yield savings account.
    % a year
    An assumption for inflation, not a forecast.

    Ages for each simcha (assumptions)

    yrs
    yrs
    yrs
    yrs

    The plan

    Set aside each month

    $0

    Every simcha, at future prices
    $0

    An illustration, not advice. Each simcha is paid in full in the year the child reaches its age; deposits go in at the end of each month and the fund’s return is compounded monthly. Real costs, ages and returns will differ.

    Figures checked November 2026. There are no official figures for simcha costs; every starting amount here is an illustration to replace with your own.

    How the number works.

    Each simcha

    • When. The year your child reaches the age you set: 13, 12, or the wedding age. A child already past an age is taken to have had that simcha.
    • What. Your budget in today’s dollars, times your family’s share, grown by inflation to that year.
    • Both sides. A son’s wedding uses the chosson’s-side budget, a daughter’s the kallah’s side.

    The one monthly amount

    • One level deposit. The smallest amount that, added at the end of every month and earning the rate you set, keeps the fund at or above zero right after every simcha.
    • Solved exactly. For each simcha we find the deposit that would just pay for it and everything before it; the largest of those is the answer, rounded up to the dollar.
    • Then it steps down. Once the simcha that sets the pace is paid, the same sum runs again for the simchas still ahead, from what is left in the fund. Usually the amount drops, so you never over-save.

    Make it lighter

    • Start now. Every year of waiting raises the monthly amount, because the first simcha does not move.
    • Its own account. A separate savings account and an automatic transfer on payday keep the fund apart from everyday spending.
    • Budget one in detail. When a simcha gets close, the simcha planner turns one line here into a full budget.