Phone Upgrade Cost Calculator
A new flagship every year or two feels normal. Across your working life, the upgrade habit quietly costs more than a car. See the real number.
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Upgrading a ₹80,000 phone every 2 year(s), recovering 35% on resale, is a net ₹52,000 per upgrade. Over 20 years that is 10 upgrades and ₹5.2 lakh spent. The same money invested at 12% would be ₹21.65 lakh.
- Net cost per upgrade
- ₹52,000
- Upgrades over 20 years
- 10
- Total spent
- ₹5.2 lakh
- If invested instead
- ₹21.65 lakh
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Run the upgrade through the worth-it test
Price divided by honest uses tells you the real cost-per-use of the new phone versus keeping the old one. A useful gut-check before the next launch.
Open it
No-cost EMI is not free
The interest on a no-cost EMI is usually baked into the price as a forgone discount, and you also lose the GST input and the cash-discount a one-shot payment might have fetched. More importantly, paying in instalments removes the moment of friction where you would have asked whether you need the upgrade at all. That missing friction is the entire point of the offer.