Money & Planning

Phone Plan and Device Installment Cost Calculator

Calculate the real monthly and total cost of a phone plan including device installments, insurance, fees, discounts, and bill credits.

Last updated: August 2026

CurrencyNumber of lines

Monthly service

Base plan costAdditional line cost per extra lineTaxes and carrier fees per month

Device installment Include device payment

Device priceDown payment or trade-in creditInstallment term (months)

Device bill credit per monthCredit duration (months)

Phone insurance Include phone insurance

Promotion or introductory discount Include promotion

One-time costs

Activation fees per lineSetup, shipping, or SIM feesEarly termination or previous carrier payoffComparison period (months)

Monthly cost timeline

Month	Service	Device payment	Device credit	Insurance	Promotion	Monthly total

Planning comparisons

This calculator uses your entered values and does not retrieve carrier pricing. Taxes, surcharges, device-credit eligibility, trade-in conditions, and promotion rules vary. A device bill credit may be lost if service is canceled early. Currency selection changes formatting only and does not convert values.