Plan Your Dream Vacations – Without Financial Stress

The amount depends on your destination, travel style, and duration. Domestic vacations typically cost ₹50K-₹2L per person, while international trips can range from ₹2L-₹5L per person. Luxury vacations can cost ₹3L-₹10L+. We recommend adding a 20% buffer for unexpected expenses. Use our calculator above to estimate based on your specific vacation plans. Remember, it's better to overestimate than fall short during your trip.

For short-term vacation goals (6-18 months), liquid funds or ultra-short debt funds are ideal as they offer capital protection with better returns than savings accounts. For medium-term goals (1-3 years), short-term debt funds or balanced funds work well. Avoid equity funds for short timelines due to volatility. We help you choose the right mix based on your vacation timeline and risk tolerance.

No, never use your emergency fund for vacations. Emergency funds (6 months expenses) should be kept separate and only used for genuine emergencies like job loss, medical emergencies, or unexpected major expenses. Create a dedicated vacation fund instead. This ensures you can enjoy vacations without compromising your financial security. We help you build both funds simultaneously.

Plan for multiple vacations by creating a single vacation fund that accumulates over time. Calculate the total cost of all planned vacations, set a timeline, and invest systematically. As you take each vacation, withdraw the required amount while continuing to invest for future trips. Alternatively, create separate funds for each major vacation if they have different timelines. We help you design the optimal strategy based on your travel plans.

Start planning as soon as you decide on a vacation. Ideally, begin saving 6-12 months before domestic trips and 1-3 years before international or luxury vacations. Early planning allows you to invest smaller monthly amounts and benefit from compounding. It also gives you flexibility to adjust your destination or travel style based on accumulated funds. The earlier you start, the less financial stress you'll have.

While personal loans are available for vacations, we strongly recommend avoiding debt for discretionary expenses like vacations. Loans come with high interest rates (12-18% p.a.) and create financial burden. Instead, plan and save in advance. If you must travel urgently, consider using a credit card with a 0% EMI option, but ensure you can repay it quickly. The best approach is systematic saving - it's interest-free and stress-free.