Phone Purchase Inputs
Enter values below; results & rules update automatically.
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Price % Salary
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Upfront % of Price
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Method inspired by Ankur Warikoo's 10‑2‑6‑20 framework.
What is the 10‑2‑6‑20 Rule?
Guidelines: Price ≤10% annual salary; Usage ≥2 years; EMI tenure ≤6 months; Upfront ≥20% of price.
Why these thresholds?
- Phones depreciate fast; a short EMI avoids paying for it after value drop.
- Higher upfront lowers financing risk.
- Usage horizon spreads cost across time.
- 10% cap protects savings & other goals.
Optimisation Tips
- Consider previous‑gen flagship vs new mid‑tier.
- Refurbished certified devices can shave 20–30%.
- Negotiate bundled accessories instead of inflated EMI offers.
- Avoid extending EMI for cashback illusions.
Suggested phones
iQOO Z10 Lite 5G (Titanium Blue, 4GB RAM,
128GB
Storage) | 6000 mAh Battery | Dimensity 6300 5G Processor
OnePlus Nord 5 | Snapdragon 8s Gen 3 | Stable
144FPS
Gaming | Dual 50MP Flagship Camera | Powered by OnePlus AI
Redmi 15 5G Midnight Black 6GB + 128GB |
Segment's
Largest 7000mAh Battery
OnePlus 13s | Snapdragon® 8 Elite | Best
Battery
Life Ever on a Compact Phone | Lifetime Display Warranty
Motorola Edge 60 Fusion (Pantone Amazonite,
12GB
RAM, 256GB Storage)
Nothing Phone (3A) 5G (White, 8GB RAM, 256GB
Storage)