iPhone Affordability Calculator
Free India tool to check whether iPhone 18 Pro, iPhone 18 Pro Max, or iPhone Duo fits your monthly salary. Configure storage like Apple, then get an upfront vs no-cost EMI verdict using 1.2x income and 20% EMI rules.
iPhone Affordability Calculator
Check iPhone 18 Pro, Pro Max, or Duo against your income with upfront and EMI rules.
1. Model
Which iPhone?
6.3" Super Retina XDR
2. Storage
How much space?
Use a quoted price instead
India MRP as reported for Apple's Sep 2026 Surprise and Shine launch (CNBC-TV18, Digit, Times of India). Product photos from apple.com. Prices exclude bank offers and trade-in.
3. Trade-in
Trade in your old phone
Enter the exchange value Apple or your retailer offered. We subtract it from the phone price, then run the affordability check on what you still need to pay.
Apply trade-in / exchange
Optional. Leave off if you are buying without giving an old phone.
4. Income
Monthly income
Upfront limit: - - EMI limit: - / month
5. Payment
How will you buy?
No-cost EMI tenure
Estimate uses amount due after trade-in ÷ months (no-cost EMI math).
Purchase verdict
Enter your monthly income to see whether this config fits.
How the rules work
Upfront: amount due after trade-in ≤ 1.2x monthly income.
EMI: monthly EMI ≤ 20% of monthly income, using no-cost EMI (amount due ÷ tenure).
India MRP
Latest iPhone prices in India
Reference India MRP for iPhone 18 Pro, iPhone 18 Pro Max, and iPhone Duo by storage. Use the configurator above to stress-test any tier against your salary.
| Model | 256GB | 512GB | 1TB | 2TB |
|---|---|---|---|---|
| iPhone 18 Pro | ₹1,64,900 | ₹1,89,900 | ₹2,39,900 | ₹3,14,900 |
| iPhone 18 Pro Max | ₹1,79,900 | ₹2,04,900 | ₹2,54,900 | ₹3,29,900 |
| iPhone Duo | ₹2,99,900 | ₹3,24,900 | ₹3,74,900 | ₹4,49,900 |
India MRP as reported for Apple's Sep 2026 Surprise and Shine launch (CNBC-TV18, Digit, Times of India). Product photos from apple.com. Prices exclude bank offers and trade-in.
Guide
How to use this iPhone affordability calculator
- Pick iPhone 18 Pro, iPhone 18 Pro Max, or iPhone Duo.
- Choose storage (256GB to 2TB) or enter a quoted retailer price.
- Optionally add your trade-in / exchange value so affordability is checked on the amount you still need to pay.
- Enter your monthly take-home income.
- Compare upfront purchase vs no-cost EMI tenures from 3 to 24 months and read the green, amber, or red verdict.
Searching for whether you can afford an iPhone on salary in India? This tool is built for that exact question: phone price vs income, not just EMI marketing banners.
FAQ
iPhone affordability FAQs
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