🛒 Should You Buy It?

Financial reality check — affordability rules, true EMI cost, and opportunity cost in one place.

What are you buying?

Item name (optional)

Price (₹)

₹

₹80K

₹73/day over 3-yr life · depreciates ~85% in 5 yrs

Monthly take-home

₹

₹1.5L/mo

Monthly surplus

₹

₹30K/mo

Income − expenses − existing EMIs

Total net worth

₹

₹10.0L

Savings + investments + assets

Existing EMIs/month

₹

Home loan, car loan, personal loan

These affect your verdict.

Will you still be using this in 2 years?

Are you buying this emotionally (FOMO, impulse, social pressure)?

Should you buy this smartphone?

✅ Buy it confidently

Your finances comfortably support this. Go for it.

3/5 affordability rules passed

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 at 12% CAGR, that becomes ₹1.4L in 5 years. Calculate how purchases like this affect your FIRE date.