Cell Phone Plan Calculator

Your details

Number of lines (SIM cards) included on Plan A.
The advertised monthly plan price per line before taxes, fees, and credits. For family plans, enter the per-line amount.
/mo
Full retail price of the device(s) on this plan. If financing, enter the total amount financed. Enter 0 if you own your phones outright.
Upfront payment made toward the device at sign-up. Reduces the amount financed.
Annual percentage rate on the device installment plan. Enter 0 for 0% financing or if paying upfront.
%
Number of months over which device payments are spread. Typically 24 or 36 months.
months
Monthly government taxes plus carrier surcharges and regulatory fees. Often 10-20% of the base plan price. Enter the dollar amount.
/mo
Monthly credits applied to your bill - such as trade-in credits, promotional discounts, or loyalty credits.
/mo
How many months the credits last. After this period, credits drop to zero.
months
The number of months to calculate total cost over. Use the same length for both plans to make a fair comparison.
months
One-time setup or activation fees charged at sign-up. Some carriers waive these online.
Number of lines (SIM cards) included on Plan B.
The advertised monthly plan price per line on Plan B, before taxes and credits.
/mo
Full retail price of device(s) on Plan B. Enter 0 if you bring your own device (BYOD).
Upfront payment toward the device at sign-up for Plan B.
Annual percentage rate on the Plan B device installment plan.
%
Months over which Plan B device payments are spread.
months
Monthly government taxes plus carrier surcharges on Plan B.
/mo
Monthly credits applied to Plan B - trade-in, promotional, or loyalty.
/mo
How many months Plan B credits last.
months
The number of months to calculate Plan B total cost over. Match Plan A for a fair comparison.
months
One-time setup or activation fees for Plan B.
Currency
Plan A: total costPlan B saves more
$2,072.00

All-in total over the full analysis period: plan + device + taxes - credits + activation

Plan B: total cost$840.00
Plan A: effective monthly cost$86.33
Plan B: effective monthly cost$35.00
Plan A: effective cost per line / month$86.33
Plan B: effective cost per line / month$35.00
Savings with cheaper plan$1,232.00
Plan A: device payment / mo$33.33
Plan B: device payment / mo$0.00
Plan A$2,278.00
Plan B$910.00

Savings with cheaper plan: $1,232.00

  • Total cost
  • Avg monthly
  • Per line / mo
  • Device payment / mo

Plan B is cheaper over the contract.

  • Plan B saves you 1,232.00 over the analysis period compared to the other plan.
  • The effective all-in monthly cost for Plan B is about 35.00 when taxes, credits, and device payments are blended across 24 months.
  • Advertised plan prices rarely include taxes, fees, and device installments - the numbers above reflect your actual out-of-pocket cost.

Next stepCheck whether the cheaper plan includes features you need: hotspot allowance, international roaming, streaming perks, and 5G coverage. A lower price with missing features may still cost more in practice.

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