An Engagement Ring Budget Calculator helps determine a financially safe ring price based on income, expenses, savings, and timeline. It estimates realistic diamond size, compares lab and natural options, and highlights budget impact, stress level, and long-term confidence before buying.
💎 Financial Profile
💍 Ring Preferences
Planned
6 Months
Max Size
Max Sparkle
Your Maximum Safe Budget
$0
Ensures financial safety while maximizing impact
💎 What This Buys You
0.00 ct
Est. Center Stone
Excellent Cut
Clarity
VS2
Color
G/H
Cut
Exc.
Monthly Reality
$0 / mo
Requires saving 20% of disposable income
Financial Stress Level
Low
Safe zone
Buyer Intelligence
Debt-Safe Badge
YES
No financing needed
Post-Buy Savings
$0
Emergency fund remaining
Wait 6 Months?
+$0
Extra budget gained
Opportunity Cost
—
Equivalent purchase
Visible Size
—
Vs Solitaire
Eye-Clean Odds
High
At this price point
Recommended Cert
GIA
Best for this type
Upgrade Potential
Good
Trade-in value check
Ethical Score
High
Conflict-free guaranteed
Resale Reality
Low
Expect 20-30% return
Regret Risk
Low
Financial tightness
Confidence Score
95/100
Based on safety
Show Charts & Breakdown ▼
Cost Breakdown
Center Stone $0
Setting (Metal) $0
Tax (Est.) $0
Insurance (Optional) $0
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