Is the phone in your contract really cheap? Compare the contract with buying the phone and a SIM-only plan.
Figures checked: October 2026 · Methodology and sources
Contracts that include a phone spread its price over the monthly bill, often with a higher plan price. Compare the total over the contract with buying the phone outright and taking a SIM-only plan for the same months.
The last result shows what the phone really costs inside the contract: the total minus what a SIM-only plan would have cost.
Because the monthly price includes the phone and a plan that is often dearer than a comparable SIM-only plan.
Many contracts keep charging the same price. Switch to a SIM-only plan as soon as the commitment ends.
Not always: some offers subsidise the phone. That is why the calculator compares both totals.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
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