How to Create a Wedding Budget Without Losing Your Mind

Let’s be real: the wedding planning glow can start to dim the moment you open up a spreadsheet and realize, "Wait... how much does this actually cost?"

Don’t panic — this is where the magic of budget planning comes in. A well-thought-out budget isn’t about limiting your dream, it’s about prioritizing what matters most so you can bring your vision to life without unnecessary stress.

At Goldbug Events, we believe that every celebration should be intentional — and that starts with your budget. Here’s our step-by-step guide to building a wedding budget that works for you.

1. Know Your Total Budget

   Start with the big picture: what’s the total amount you’re comfortable spending? This number may come from a combination of:

   • Personal savings

   • Contributions from family

   • Future income you plan to allocate (within reason)

   Be honest and realistic. Your budget sets the foundation for all the decisions ahead.

2. Break It Into Categories

   Here’s a general breakdown of how most couples allocate their wedding budget:

   • Venue + Catering: 40–50%

   • Photography + Videography: 10–15%

   • Planner/Coordinator: 10–15%

   • Florals + Décor: 10–15%

   • Attire (dress, tux, hair/makeup): 5–10%

   • Entertainment (DJ, band): 5–10%

   • Stationery (invitations, signage): 2–5%

   • Transportation: 2–3%

   • Favors + Extras: 2–3%

   • Contingency fund: 5% (always leave wiggle room!)

   These numbers are flexible! Your budget should reflect your priorities.

Photo by: : Alicia Cory Photography

3. Prioritize What Matters Most

   Ask yourselves:   What are the three things we care about most?   What can we compromise on or skip altogether?

   This helps direct your dollars to the experiences and details that will make your day unforgettable to you — not just Instagram.

Photo by: : Alicia Cory Photography

4. Track Everything (Yes, Everything)

   Whether it’s a spreadsheet, an app, or a full-blown wedding planning platform, get organized early and track:

   • Quotes

   • Deposits paid

   • Final payments

   • Tips and gratuities

   • Any unexpected add-ons

   Pro tip: Butterfly (partial planning) and Dragonfly (full service planning) couples get access to our detailed planning tools so you can keep everything in one happy, organized place.

5. Leave Room for Surprises

   There will be hidden costs — service fees, overtime, alterations, taxes, even day-of snacks or thank-you gifts. Plan for about 5% of your budget as a cushion. You’ll thank us later!

Photo by: Alicia Cory Photography

Bonus Tip: Hire a Planner (Like Us)

Budgeting is one of the top reasons couples hire a planner. We help you stay realistic, connect you with vendors that fit your style and budget, and make sure you’re getting the best value at every step.

At Goldbug Events, we don’t just plan—we help you invest in moments that matter most.

Creating a wedding budget might not feel romantic, but it is empowering. It puts you in control and helps you design a celebration that’s meaningful, memorable, and 100% you.

If you're ready to start planning with a team who brings vision, value, and a little sparkle to the table — we’re here for you.