Is Extended Warranty Worth It? Extended Warranty Calculator
Free tool · Updated October 2, 2026 · By CouponTalk
Your result
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Quick answer
An extended warranty is worth it when likely repair costs are higher than its price. A ₹2,499 two-year plan for a ₹40,000 TV, with a 10% yearly chance of a ₹6,000 repair, covers expected repairs of ₹1,200, so on numbers alone it is not worth it. It only breaks even if the chance of a repair is above 21% a year.
How to use this calculator
- Enter the warranty price and how many extra years it covers.
- Estimate the repair chance from reviews and your own use.
- Enter a typical repair cost, such as a TV panel or laptop motherboard repair.
Formula
Expected repair cost = years × yearly repair chance × average repair cost
Worth it on numbers alone when expected repair cost ≥ warranty price
Repair chances are estimates. Read the warranty policy for exclusions and claim limits.
Frequently asked questions
Which products are worth extended warranty?
Products with costly parts that fail, such as TV panels, laptop motherboards, and AC and fridge compressors beyond the standard compressor warranty.
What does extended warranty usually exclude?
Physical damage, liquid damage, accessories and normal wear. Check the policy wording before you buy.
Is it better to buy warranty from the brand?
Brand plans use authorised service centres and original parts. Third-party plans can be cheaper but check their claim process.
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