Cell Phone Plan Cost Calculator
FinanceCompare the total cost of buying a phone outright versus financing it through a carrier plan.
Savings from the Cheaper Option
How much you save by choosing the cheaper of the two options over the full contract.
Total Cost (Buy Outright)
$1,280.00
Phone price paid upfront, plus the lower monthly bill over the contract.
Total Cost (Carrier Plan)
$1,200.00
No upfront phone cost, but a higher monthly bill that includes financing.
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Odeh Ahwal0people find this calculator helpful
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Frequently Asked Questions
How is the outright vs. carrier plan comparison calculated?
Outright Total = Phone Price + (Outright Monthly Bill x Contract Months). Carrier Total = Carrier Monthly Bill x Contract Months. Whichever total is lower is the cheaper option over the full contract.
Does this account for interest on money saved by not paying upfront?
No -- this compares nominal total cost only. If you'd invest the money you save by not paying the phone price upfront, the carrier plan could look relatively more attractive after accounting for that investment return.
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