Device Parameters

Device Price (Tax Inclusive)

Enter the full price including taxes and fees

Usage Duration (Years)

How long do you plan to use this phone?

Monthly Income (Optional)

For affordability assessment and budget planning

Available Capital (Optional)

Money you've already saved for the phone

Service Plan Cost (Optional)

Monthly mobile plan or data charges

How to Use This Phone Affordability Calculator

1. Enter your phone's price (including taxes)

2. Set how long you plan to use it

3. Add your monthly income for affordability check

4. Get instant daily and monthly cost calculations

Financial Analysis

Daily Cost

₹0.00

Per day expenditure

Monthly Cost

₹0.00

Per month expenditure

Usage Period

Total days

Affordability Assessment

Restrictive Balanced Conservative

Income required for assessment

Comparative Analysis

Target ₹1 daily cost 0 years

Five-year daily cost ₹0.00

Total cost of ownership ₹0.00

Financial Guidance

Extended usage periods reduce per-day expenditure

Consider total ownership costs including service plans

Allocate 10-20% of monthly income for device savings

Frequently Asked Questions

How do I calculate daily phone cost?

Divide the total phone price by the number of days you plan to use it. For example, a ₹45,000 phone used for 3 years (1,096 days) costs ₹41.06 per day.

What percentage of income should I spend on a phone?

Financial experts recommend spending no more than 20% of your monthly income on a phone. This calculator shows your affordability score based on this principle.

Should I include service plan costs?

Yes, include monthly service plan costs for total cost of ownership. This gives you a complete picture of phone expenses over time.

How long should I use my phone to minimize cost?

Using your phone for 4-5 years significantly reduces daily cost. This calculator shows exactly how extending usage affects your per-day expenses.

Phone Affordability Calculator - Free Mobile Cost Analysis Tool

Best Phone Affordability Calculator 2025