Valentine’s Day Spending Planner

Valentine's Day Spending PlannerAh, Valentine’s Day. The perfect time to spend those precious moments with your loved one – and spend a lot of cash. On average, consumers are expected to spend over $160 on Valentine’s Day purchases. That’s a lot of money for one day, especially when some of the sweetest gifts are free!

Budgeting for days like this can be difficult even if you know how to budget for everyday expenses. We’ve come up with your V-Day budgeting solution. Love may be blind, but you don’t have to turn a blind eye to your finances to indulge your partner. This spending planner will guide you through creating a budget that works for your needs.

Annual Income

Percentage of Use

Categorize your Spendings

Build a Budget


What is your gross annual Income?

A good rule of thumb for setting a practical spending plan is to see how much you should spend based on what you make. Enter your total gross annual income below. That’s your income before taxes This will give you a good starting point to determine how much you want to spend this year.

This value must be a number greater than 0.

Pick a percentage that fits your goals

In general, most people spend about 0.2% of their gross annual income on Valentine’s Day. However, if you’re on a tight budget or you have few people to buy for, then you may want to spend less. On the other hand, if you have a big big plans, such as an engagement, then you may want to spend more. But you still want to plan based on your income to help ensure you don’t go overboard. Select the percentage of your income that you want to spend on Valentine’s Day this year.

Decide what your budget needs to cover

There are five basic types of expenses that you may need to cover on Valentine’s Day. However, most budgets only need to cover two – gifts and date night. So, the next step in setting your Valentine’s Day spending plan is to select the expenses you need to cover.

To add an expense, you must first decrease percentage on one of the two default expenses. Your total budget remaining can never exceed the total amount you set as your spending target.




Date Night


Total Budget Remaining: $0

Total Valentine’s Day Budget: $0

Divide your Budget through all the Categories

Now that you've set a spending limit for each category, it's time to get specific about what you need to buy. Fill in notes for each type of expense with the estimated cost of the items you need to purchase. This will help you stay on budget and make sure that you can pay for all the expenses you need to cover this year. If you realize that you forgot something, hit the Previous button to go back and adjust your spending.

Divide your budget through all the categories

Decorating can bring you immense joy around a holiday, but it’s also really easy to go overboard and over budget. Select all the items that you need to buy to breakdown your decorating budget. If you plan on making decorations this year, you’ll also need to allocate money for craft supplies.

Decorations Money Remove

Decorations available budget: $0

Decorations total budget: $0

Set your travel budget

If you travel for Valentine’s Day, it can be one of your biggest expenses, along with gifts. Airline tickets and hotel reservations can quickly eat-up your budget. Make sure to look for ways to cut travel costs, such as booking early and finding discount airfare.

Travel Expenses Money Remove

Travel available budget: $0

Travel total budget: $0

Plan your party schedule

Whether you plan on hosting or simply attending parties, there are expenses that go along with holiday parties. Select the types of expenses you think you’ll have for any Valentine’s Day celebrations and set a budget for how much you think each event will cost.

Party Expenses Money Remove

Party available budget: $0

Party total budget: $0

Make a plan for date night on Valentine’s Day

Date night is usually one of people’s biggest expenses for Valentine’s Day. Whether you’re just going out to dinner, cooking at home or giving a whole experience, detail what you plan to do and how much each part of the date will cost.

Title Cost Remove

Date Night available budget: $0

Date Night total budget: $0

Now it’s time to set your gift list

You’re almost done! You just need to set up your gift list and your budget planner will be complete. For most people, gifts will be your biggest expense during the Valentine’s Day. We recommend only giving unique gifts to immediate family and your significant other and setting a price limit. For anyone else, consider universal presents, Valentine’s Day cards, or buy bulk items to make gift baskets.

Name Gift Price Remove

Gifts available budget: $0

Gifts total budget: $0

Remaining Total: $0

Total it up to tweak your budget

Here’s a snapshot of everything you plan to buy and spend money on for Valentine’s Day. Seeing everything laid out, you may want or need to go back and make some changes to balance things out and hit the spending target you want. Hit the edit buttons on each category below to go back and change what you initially wrote down. Once you’re satisfied. You can save your Valentine’s Day spending planner as a PDF or download it to print it out.

Your Income: $0

Selected budget based on your Income: $0

Distribution of Expenses by Activity


Decorations Cost

Sub Total: $0


Travel Expenses Price

Sub Total: $0


Parties Cost

Sub Total: $0

Date Night

Title Cost

Sub Total: $0


Name Gift Label Price

Sub Total: $0

Real money you will spend: $0

Tips to Save on Valentine’s Day

1. Use a spending planner.

If you haven’t already used the Valentine’s Day spending planner above, give it a go! You can map out exactly how much you want to spend and on what.

2. Stick to the budget.

Once you create a budget with this tool, stick to it. The budget is no use unless you use it.

3. Set a spending rule.

An even simpler way to decide on V-Day spending is to talk to your significant other and make a spending rule. For example, you could agree to get each other gifts, but they have to be $25 or less.

4. DIY your gifts.

The most meaningful gifts are the ones you make yourself. You can even craft your presents together for an extra-romantic and fun date night in.

5. Celebrate on another day.

This year, Valentine’s Day is on a Thursday. Instead of celebrating on a weekday, wait until Friday. Not only will everything be discounted, but you also won’t have to worry about working the next day.

6. Skip it!

To some couples, arbitrary days like these just don’t matter. If that’s you, don’t feel bad. You’ll save more money than your peers if you skip out.