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Make better decisions with numbers.

Before you buy it, know what it really costs. RealityCheck turns your income, expenses, savings and goals into a personalized decision.

Start a Reality CheckHow the score works

Pick a decision

What are you weighing up?

Each calculator asks a handful of questions, then shows you the full financial consequence - not just a monthly payment.

Can I afford this car?

EMI, fuel, insurance, servicing, parking and depreciation - the whole cost, not the sticker.

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Can I afford this home?

The EMI a bank will approve is rarely the price your life can carry. See both numbers.

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Can I afford this purchase?

A phone, a laptop, a holiday. Find out what it costs you in months, not just rupees.

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Rent or buy?

Compare both paths over 5, 10 and 20 years, with every assumption on the table.

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How it works

Four steps, about two minutes

  1. 1

    Tell us about yourself

    Income, expenses, savings, existing EMIs and the buffer you want to protect.

  2. 2

    Tell us what you're considering

    The price, the financing and the running costs. Sensible defaults are filled in for you.

  3. 3

    RealityCheck calculates the real impact

    Deterministic maths on your numbers. No estimates dressed up as answers.

  4. 4

    See what decision makes the most sense

    A score you can interrogate, a safer range, and the changes that would move it.

Sample result

What you actually get

A real calculation for someone earning ₹2,00,000 a month, with ₹15L saved and a ₹25,000 EMI already running, looking at a ₹30L car.

63 / 100

Stretch

FINANCIALLY AGGRESSIVE
Monthly car cost
₹66,073
Share of income
33%
5-year ownership cost
₹32.1L
Savings after purchase
₹9L
Emergency buffer
5.3 months
Left over each month
₹28,927

Based on the information you provided, you can technically afford a ₹30L car, but at 33% of your monthly income it puts meaningful pressure on your cash flow and reduces your financial cushion. Your emergency buffer would fall to 5.3 months, below the 6 months you wanted to keep.

What would change the result

  • Choose a ₹24L vehicle+9
  • Stretch the loan to 84 months+7
  • Wait 8 months and save ₹4.5L more+3

Example figures only, not a recommendation. Run the same calculation on your own numbers to get your result.

Run this on my numbers

Where we stand

A calculator that tells you what it assumed

Most affordability tools give you a number and hide the reasoning. RealityCheck shows the working, names every assumption, and lets you argue with all of it.

  • Not financial advice

    RealityCheck is a decision-support tool, not financial advice. It describes what the numbers do under stated assumptions - the decision stays yours.

  • Your data stays with you

    Your financial inputs stay in your browser unless you explicitly choose to save or share a scenario.

  • Deterministic, never generated

    Every figure comes from a documented formula. No AI is involved in producing a number, and the same inputs always give the same result.

  • Assumptions you can change

    Interest rates, insurance, maintenance, resale value and inflation are all visible and editable. Nothing is invented silently.

FAQ

Questions people ask first

Is RealityCheck financial advice?
No. RealityCheck is a decision-support tool. It shows you what a decision does to your numbers under assumptions you can see and change. It never tells you what to buy, and it is not a substitute for a qualified financial adviser.
Do you store my financial information?
No. Every calculation runs in your browser. Your income, savings and expenses are never sent to a server, and are never sent to any AI service. A scenario is kept in your browser's local storage so a refresh does not lose your progress, and it leaves your device only if you deliberately copy a share link.
How is the affordability score calculated?
Six measured components: monthly payment burden, total monthly outgo, emergency-fund protection, existing debt burden, savings impact, and lifetime cost against earnings. Each is scored against a published curve and combined as a weighted average. Every threshold is documented and visible in the source, and the results page explains each component's contribution.
Do you use AI to work out the numbers?
Never. All financial calculations are deterministic formulas - the same inputs always produce the same output. An AI layer may later help explain results in plainer language, but it will never be the source of a number.
Do I need an account?
No. There is no sign-up, no login and no email required. Open a calculator and start.
Which currency does it support?
RealityCheck currently works in Indian rupees, with Indian conventions like lakh and crore, EMI structures and stamp duty. The engine is currency-aware, so other currencies can be added later.