Is 20k a lot to spend on an engagement ring?

There is no rule that says you must spend a set amount on an engagement ring. What matters most is that the choice fits your finances and your shared values. Some couples prefer a simple band, while others want something with a larger stone. Neither is right or wrong.

If you are thinking of spending a large sum, pause and consider what the money could do elsewhere. Many couples find that putting funds toward a home, a holiday, or their wedding day brings more long-term happiness than a single piece of jewellery. If you do choose to spend more, make sure it does not push you into debt before your marriage begins.

It is also worth talking openly about what the ring means to each of you. Some people care deeply about the tradition and the symbol, while others would rather invest in experiences or practical goals. There is no pressure to match what anyone else has.

If you need advice on materials, sizing or care, speak to a jeweller you trust. For anything about the legal side of marriage, check GOV.UK or your local register office.