Money & Planning

Carrier Switch Break-Even Calculator

Compare the cost of staying with your mobile carrier versus switching, including device payoff, activation fees, credits, and monthly savings.

Last updated: August 2026

CurrencyNumber of lines

Current carrier

Current monthly billRemaining device balanceEarly termination or cancellation feesMonths remaining on current device agreement

New carrier

New monthly billActivation fee per lineNew device upfront costSetup, SIM, or shipping feesRequired trade-in payoff or other switching cost

Switching incentives

One-time switching creditMonthly bill creditMonthly credit duration (months)Reimbursement for old device balanceComparison period (months)

Cumulative cost comparison

Month	Stay cost	Switch cost	Cumulative savings

Planning scenarios

Enter actual carrier and device-contract values. Promotions, trade-in credits, reimbursements, taxes, and eligibility rules vary; some credits may be paid over billing cycles or lost after cancellation. Currency selection changes formatting only and does not convert values.