The real 10-year cost
of owning your rings.
The sticker price is the start, not the end. Add insurance (typically 1-2% of value annually), prong tightening / rhodium replating / professional cleaning, plus 2-3 resizings across a 10-year ownership window. The calculator stacks the full picture.
Engagement ring cost ($)
Wedding ring cost ($)
Insurance rate (% of value/yr)
Annual maintenance ($)
Resizings over horizon
Cost per resize ($)
Horizon (years)
lifetime cost · 10 years
$10,645
≈ $1,065/year
Purchase
$8,300
engagement + wedding
Insurance
$1,245
1.5%/yr × 10yr
Maintenance
$800
$80/yr
Resizings
$300
2 × $150
Insurance typically 1-2% of declared value annually (Jewelers Mutual standard rate). Maintenance covers prong tightening (every 2-3 years), rhodium replating on white gold (every 1-2 years), professional cleaning. Resizings happen at major weight changes or pregnancy.