Phone Purchase Inputs
Enter values below; results & rules update automatically.
0%
Price % Salary
0%
Upfront % of Price
0%
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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.