Phone-plan math

The price in the ad is not your total.

Expose device balances, lost credits, upfront terms, family pricing, hotspot needs, and international costs before switching.

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Eight phone-plan calculators

Expose the costs hiding behind “$25 a month.”

Run the switch, family, hotspot, travel, annual-plan, payoff, data-use, and first-year math before moving your number.

Switching savings

Candidate planCurrent monthly bill ($)LinesMonthly cellular GBDevice payoff ($)Activation / SIM ($)Switching credit ($)

$646first-year savings · break-even around month 1

Family plan total

Candidate planLinesCurrent family bill ($)

$50/mo$696 annual savings before taxes and lost device credits

Hotspot allowance

Remote-work hours/monthVideo hours/monthVideo-call hours/monthOther hotspot GBCandidate plan

19.6 GBUnlimited listed by the selected plan; speed limits may still apply

International trip cost

Trip daysCarrier day pass ($)Travel eSIM ($)Calling allowance ($)Plan roaming estimate ($)

$0lowest entered option: Included/roaming estimate

Annual-plan value

Annual price paid upfront ($)Comparable monthly price ($)Cash opportunity rate (%)Average locked months

$57adjusted annual-plan advantage after $3 estimated cash cost

Device payoff break-even

Remaining device balance ($)Lost bill credits ($)Exit and setup fees ($)Current monthly bill ($)Candidate monthly bill ($)

11 months$635 effective exit cost

Data allowance target

Current cellular GBCurrent Wi-Fi GB

38.4 GB20% cushion; low-price listed fits: Visible, US Mobile, Metro by T-Mobile

First-year total

Monthly service ($)Activation ($)Device cost ($)Accessories ($)Taxes ($)Promotion ($)Trade-in ($)

$735service plus net one-time cost; compare this across carriers

Planning estimates only. Coverage, device compatibility, taxes, financing, promotion recovery, throttling, roaming, and carrier eligibility can materially change the result.