Free phone plan comparison calculator

How to use

1. Enter your current and new monthly plan costs.
2. Add the switching fee and any early termination fee.
3. Enter a new phone cost and your trade-in value if applicable.
4. Enter months remaining on your current contract (for ETF calculation).
5. Click Compare plans and read the break-even timeline.

Formulas

netSwitchingCost = switchingFee + ETF (if contractLeft > 0) + phoneCost − tradeIn
monthlySavings   = currentMonthly − newMonthly
breakEvenMonths  = ceil(netSwitchingCost ÷ monthlySavings)   [when savings > 0]
netSavingsAtN    = monthlySavings × N − netSwitchingCost

Worked example

Current plan $80/month, new plan $65/month, $35 switching fee, no ETF or phone:

netSwitchingCost = $35
monthlySavings   = $80 − $65 = $15/month
breakEvenMonths  = ceil(35 ÷ 15) = 3 months
12-month net     = $15 × 12 − $35 = $145 saved
24-month net     = $15 × 24 − $35 = $325 saved

Notes

• Always check if the new plan rate is promotional. Many introductory rates increase after 12–24 months.
• Device installment plans (paying for a phone in monthly installments) are different from early termination fees. Check your contract for any remaining installment balance before switching.
• Taxes and surcharges vary by carrier and location. Compare the total bill, not just the advertised rate.