True love is priceless, but not the cost to celebrate it on Valentine’s Day, according to WalletHub, the personal finance website.

This year, Americans collectively will spend $27.4 billion on Valentine’s Day gifts—from greeting cards to jewelry to a special night out—with the average lovebird shelling out $196.31. That’s an increase of 32% from 2019. But spending more is not a guarantee you’ll get your money’s worth either.

Roughly 31% of people expect their Valentine to spend at least $50 on a gift, according to WalletHub’s 2020 Valentine’s Day Survey. In fact, more than half of all women surveyed (53%) said they would break up with their significant other if they got nothing for Valentine’s Day.

An extravagant gesture does not ensure everlasting love either. WalletHub says that 43 million Americans said they received an unwanted Valentine’s Day gift in 2019 at a total cost of $9.5 billion, and more than four in 10 people surveyed said they would break up with their significant other if he or she spent irresponsibly.

Being in the right place on the right budget will make the holiday a memorable one for you both. To help lovers find that happy affordable medium, WalletHub played Cupid by comparing 100 of the largest U.S. cities across four key dimensions of budget, activities, gift accessibility and weather forecast. WalletHub then determined each city’s weighted average across 26 metrics used to calculate overall score, which it used to rank-order its sample cities, with 100 being the most romantic and cost-effective.

Here, in ascending order, are the top 10 best places to celebrate Valentine’s Day 2020.

10. Chicago, Illinois

Whether you’re in a committed relationship or committed to a good time, Chicago is the place to go on a Valentine’s Day date. This Midwest Mecca for good times ranked sixth in gift accessibility and third in activities, but 38th in weather and 72nd in budget. Total Score: 66.28.