🛒 Should You Buy It?
Run any purchase through a financial reality check — not emotion, just math.
What are you buying?
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₹73/day over 3-yr useful life · depreciates ~85% in 5 yrs
Your finances
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Income − expenses − existing EMIs
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Savings + investments + assets
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Home loan, car loan, personal loan
Two honest questions
These affect your verdict.
Will you still be using this in 2 years?
Are you buying this emotionally (FOMO, social pressure, impulse)?
Should you buy this smartphone?
✅ Buy it confidently
Your finances comfortably support this. Go for it.
3/5 rules passed
✗Monthly cost ≤ 1% of income — ₹2K/mo over 3 yrs
✓Saveable in ≤ 6 months — 3 months at your surplus
✓2× cash rule — Net worth ₹10.0L vs 2× price ₹1.6L
✓Total EMI ≤ 30% of income — 0% of income
✗Purchase < 5% of net worth — 8% of your net worth
The real cost
Price₹80K
True cost/day₹73/day for 3 yrs
Months of income0.5× your monthly pay
% of net worth8%
Opportunity cost (5yr @ 12%)+₹61K if invested
💡 Smarter alternatives
Last year's flagship at 30% less, certified refurb from Apple/Samsung
🔥 Wondering about the bigger picture?
This purchase costs ₹80K. Invested instead at 12% CAGR, that becomes ₹1.4L in 5 years. Calculate how purchases like this affect your FIRE date.
Open FIRE Calculator →