TINYLAB
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MoneyEXPERIMENT #CAN-I-AFFORD-IT

Can I Afford It?

Calculate whether that big purchase is safe for your wallet or if you should hold off.

THE VERDICT IS
MAYBE

You can technically afford it, but it consumes a noticeable portion of your liquid buffer.

SAVINGS IMPACT
40%
SAVINGS AFTER
₹120,000
RUNWAY REMAINING
3.4 MONTHS

HOW IT WORKS & METHODOLOGY

UNDERSTANDING THE MATH, FORMULAS & CALCULATION ENGINE

01

Emergency Cushion Check

We verify whether making this purchase leaves at least 3 to 6 months of baseline living expenses intact.

02

Cashflow Impact Analysis

Calculates the percentage of your monthly discretionary income consumed by this expense.

03

The Verdict & Cooling-Off Rule

Delivers a clear green, yellow, or red affordability score with actionable saving benchmarks.

FREQUENTLY ASKED QUESTIONS

EVERYTHING YOU NEED TO KNOW ABOUT THIS EXPERIMENT

Q1.What is the Golden 24-Hour Rule for purchases?↓
The 24-hour rule states that for non-essential purchases over $100, waiting a full 24 hours cuts impulsive buying by over 70% by engaging logical prefrontal cortex thinking.
Q2.What is the 3X Savings Affordability Rule?↓
A solid financial benchmark: if you cannot buy an item 3 times over in cash without touching your emergency fund or going into debt, you cannot truly afford it comfortably today.
Q3.How do you calculate discretionary income?↓
Discretionary income equals your total monthly income minus mandatory fixed expenses (rent/mortgage, utilities, debt minimums, groceries, and insurance).
Q4.What does discretionary income equal?↓
Income minus taxes and essential expenses — whatever is left is what you can actually spend. Test a purchase above.
Q5.How do I know if I can afford something?↓
Check whether the purchase fits your discretionary income and emergency buffer — the tool above does the math.

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