The New Wedding Registry: Why Couples Want Cash, in Addition to Traditional Gifts

Wedding registry norms are changing fast. If you feel a little uneasy about asking for cash instead of a blender, you are not alone. Our data shows that most couples are leaning into a "hybrid" registry, with a blend of cash funds and traditional staples like tableware.

Today, 25% of couples are adding cash funds to their wishlists, according to Zola’s 2026 First Look Report. This shift is not just about the money. It is about building a life together that fits how you actually live. Whether you are saving for a house or just want a better set of pans, your registry is a great tool to help you get there. 

You can start your Zola registry today to see how easy it is to mix physical gifts and cash.

The Cash Registry is Officially Acceptable (and Normal)

For decades, asking for money instead of a toaster was considered the ultimate wedding faux pas. But as we head into 2026, the rules of etiquette have fundamentally shifted. The "awkwardness" of the cash registry is officially a thing of the past.

According to data from our First Look Report, the vast majority of couples now view cash funds as a standard, sensible part of modern planning. It’s no longer about "asking for money"—it’s about funding a future.

The Verdict: 86% Say Cash is "Totally Acceptable"

According to our latest research, 86% of our couples believe that asking for cash is totally acceptable. 

And guests want to give you a gift that you will actually use. Since most couples are paying for at least part of the wedding celebration, guests see cash as a helpful way to support. 

Why Usage is Spiking: The Financial Reality

This acceptance is driving real behavior. 25% of couples are now adding cash funds to their wedding registry—a sharp jump from just 16% in 2025.

Why the sudden increase? It comes down to the bottom line. With the average wedding cost holding at $36,000, couples are getting real about what that means for other financial goals. 

Balancing Trade-offs

The financial strain of a wedding often means putting other life goals on the back burner. 52% of couples report putting other milestones on hold to afford their celebration.

• 59% are deferring buying a home.
• 38% are delaying paying down student loans or debt.
• 70% are pausing their general savings.

A cash registry allows couples to prioritize their wedding now without completely sacrificing their financial health later.

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Registry Ideas for Couples Who Already Live Together

If you have been living with your partner for a while, you probably already have a toaster. This is the perfect time to look at what you own and think about what needs an upgrade. Because you likely have the basics, you don't need to register for a "starter" kitchen. Instead, focus on upgrading to "legacy" items and funding your future.

Swap "Starter" for "Heritage" Upgrades

Since you aren't filling an empty apartment, focus your physical registry on high-quality items that will last a lifetime. Think of these as heirlooms: a professional-grade stand mixer, a heavy-duty Dutch oven, or smart home tech that simplifies your daily routine. These are the things you will use every single day for years, moving past college-era gear into something permanent.

“Registry trends are shifting to match the reality of modern life,” says Samantha Kobrin, Director of Brand at Zola. “Since many couples already live together, they typically have the basics covered. Now, they’re opting for a blended strategy: upgrading to investment pieces for the home while including cash funds for travel and future financial milestones.”

The Rise of the "Experience Registry"

If asking for a cash gift feels uncomfortable to you, fear not. We recommend breaking down your big financial goals into specific, giftable moments. This allows guests to feel connected to what they’re buying for you.

Instead of a single $2,000 "Honeymoon Fund," for example, you could create a few smaller, distinct line items:

• "Sunset Dinner in Santorini" ($150)
• "Couples Massage on the Beach" ($200)
• "Scuba Certification Classes" ($100)

Why this works: Guests still get the emotional satisfaction of "giving an experience"—they can picture you enjoying that dinner—even though they are technically just transferring cash to your bank account.

How to Ask for Cash (Without the Awkwardness)

Even though 86% of couples agree that asking for cash is "totally acceptable," it can still feel intimidating. In fact, 9% of couples admitted they wanted to ask for cash but were "worried to feel judged."

The solution to overcoming this fear isn't just about being brave; it's about being specific. Guests want to feel like they are giving a meaningful gift, not just paying a bill. When you give your cash fund a name and a purpose, you give your guests "permission" to skip the physical gift without feeling impersonal.

The Golden Rule: Context is King

Don't just label it "Cash Fund." Tell a story.

• Instead of: "Honeymoon Fund"
• Try: "Sunset Dinner in Santorini" or "Train Tickets to Kyoto."
  • Why it works: It shifts the dynamic from a transaction to an experience. Guests feel like they are buying you a memory (and they are!).

The "High-Low" Mix

To keep every guest comfortable (including traditionalists who may prefer physical gifts), use the "High-Low" strategy. Keep a small selection of physical items at accessible price points (think: a nice candle, a cookbook, or new sheets) for those who love to unwrap a box. Then, list your cash funds alongside them as equal options.

Copy-Paste Wording for Your Website

If you are struggling with what to write, try one of these templates:

• For the House Hunters:

We are lucky enough to have the basics covered, but we are saving for a front door of our own! If you’d like to contribute to our Down Payment Fund, we’d be forever grateful.

• For the Wedding Costs:

Your presence is the only gift we need. However, if you'd like to help us throw this party, a contribution to our 'Late Night Snack Fund' or 'Photographer Fund' would be amazing.

• For the Honeymooners:

We’ve got the toaster, but we’d love the tan lines! Helping us create memories on our dream trip would mean the world to us.

Frequently Asked Questions

When should we start our wedding registry?

You should start as soon as you are ready! In fact, 19% of couples start planning before they are even officially engaged. It is a good idea to have your registry ready by the time you send out your save the dates, but you can always adjust it along the way.

How many items should be on a 2026 registry list for 145 guests?

A good rule is to have about two to three gifts for every guest. For a 145-person wedding, aim for a mix of about 300 items and cash funds at different price points.

Is it rude to have a registry with ONLY cash funds?

It is not rude, but it can be risky. Some older relatives or traditional guests may insist on buying a physical object. If you don't provide options, you risk receiving gifts you didn't choose (and can't return). We recommend adding at least 5-10 physical items just to be safe.

How much should I ask for in a cash fund?

It totally depends on what you’re saving for. A mix of big and small-ticket items is always a good bet. With Zola’s registry, you can set funds to "Any Amount," allowing guests to contribute what they are comfortable with (e.g., $50 toward a $500 item). This removes the pressure and allows multiple guests to "crowdfund" big ticket items like a sofa or plane tickets.