How much is an iPhone? It’s a question that pops up time and time again. Like, say, right now! There are so many versions of the iPhone available to buy, so which one should you opt for? To make your decision easier, we’re going to compare the iPhone prices on offer with different plans….

Great news! You can now finance your iPhone with Apple at 24 months and pay a total of $0.00 down. The new program will finance the full price of your new phone, including sales tax even if you live in a state like New York, which charges no sales tax on smartphones. Here’s how to take advantage of this awesome financing offer without making an Enjoy the light, crisp feel of typing on your keyboard? If so, you might be interested in the newly-announced K750 laser wireless keyboard from Logitech. Often used as a neat way to have wireless input but keep using familiar mechanical switches in mice or keyboards, Logitech is bringing that over to keyboards with the K750. We’ve recently seen some very high-end offerings from HyperX and Corsair get into the scene with their RGB offerings for the MMO crowd. Now we’re looking at something that appears to be more for general types of users, such as myself and Fianna.

Apple 24 month financing

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How much is iphone monthly

What You Need to Know About the True Cost of an iPhone

Choosing an iPhone and the Right Plan for You

Learning how much an iPhone costs isn’t as simple as checking Apple’s website for the listed price of the latest iPhone. That’s because the cost of buying an iPhone depends on several factors, and you need to account for the cost of the monthly service, which varies based on your plan. So, figuring out how much iPhone costs requires some math.

The Cost of the Latest iPhones

The first and most important factor in the cost of an iPhone is the phone itself. Prices vary based on which model you want and how much storage you prefer. In Apple’s iPhone line up, a new phone can be yours for anywhere from $49 (for a basic iPhone 8) to $1,449 (for the highest-end iPhone 11 Pro Max), depending on the model you want.

As of April 2020, the cost of a new iPhone from Apple looks like this:

These days, pretty much everyone pays the full price for their iPhone (more on why that is in the next section), so don’t expect major discounts. But you can choose to pay full price up front or to pay in monthly installments.The 7 Best iPhones of 2022

The major phone companies offer a monthly payment plan when you purchase a new iPhone from them. This offers a lower upfront cost, but you must stay with the carrier until the iPhone is paid for or else pay the balance due before you change to another carrier. Alternatively, if you want to buy your phone in installments, but not be stuck with a phone company, learn about Apple’s iPhone Upgrade Program.

The iPhone almost never goes on sale. You might find short-term discounts when new iPhone models come out, or around the holidays, but those are usually small savings. Apple doesn’t really put its products on sale, so don’t wait for one. Just buy what you want when you want it.

Carrier Subsidies Aren’t Going to Return

It used to be that iPhones cost much less—sometimes as little as $199—for the latest model because phone companies paid part of the cost of the phone to entice you to use their service. Not anymore. In recent years, the major phone companies have done away with subsidies that allow customers who sign a two-year contract to pay significantly less for their iPhones. It’s very unlikely that the subsidy system will return, so expect to pay full price for your iPhone from now on.

That said, when new iPhone models are released, major carriers including AT&T, Sprint, T-Mobile, and Verizon, will sometimes offer reductions in the cost for the latest iPhone if you trade in your older model iPhone.

Regional and Prepaid Carriers Sometimes Have Cheaper Prices

You can pay a little less than the sticker price for the iPhone—about $50 in most cases—if you buy it through one of the smaller, regional carriers that offer the phone in some parts of the U.S. These carriers don’t always have the latest models, have more-limited monthly plans, and their service tends to be focused specifically on smaller, rural areas, but they are a cost-saving option for some users.

Monthly Voice and Data Plans

You should factor in the monthly cost of the voice and data service provided by the phone company you choose when thinking about the cost of an iPhone.

Monthly iPhone plans typically include costs for data service, calling, texting, and other services. Expect to spend around $100 a month with major carriers for the services that most people use.

With prepaid carriers, plans are cheaper, generally running closer to half the price offered by the major carriers, but data connections are often slower or have their fastest speeds limited based on how much you use. With those companies, expect to spend closer to the $50 to $60 range for calling, texting, and data.

Other Costs

You don’t want to spend hundreds on a new iPhone and then toss it in your purse or pants pocket without a protective case. Plan to put a case on the iPhone as soon as you get it. Many protective cases cost around $40-$100.

The iPhone comes with Apple’s standard warranty, but you may want to extend that protection with an AppleCare+ extended plan available directly from the company. The price of AppleCare differs based on your model — expect to spend $100-$200 — for two additional years of coverage. If you buy your iPhone through Apple’s monthly iPhone Upgrade Program, AppleCare+ is included in the price.

Here’s what Apple’s $1,000 iPhone X will cost you per month

Apple’s new iPhone X starts at $1,000 — technically $999. Who’s going to buy a $1,000 phone?

You might. Especially when you realize that you’re unlikely to pay $1,000 all at once. Either Apple or your wireless carrier will let you buy the phone in a monthly installment plan.

So that $1,000 iPhone X — that’s for a 64-gigabyte model — will end up costing you $49.91 a month if you finance your phone via Apple’s upgrade program. You’ll end up paying more than that, of course, once you factor in a wireless plan, which you’ll have to purchase separately from a carrier.

If you finance your phone via your carrier, you should end up with a similar bill. Here’s a look at what various Apple iPhone models will cost you via Apple’s in-house financing program. A new base-level iPhone 7 will now go for $22.88 a month. And a top-of-the-line iPhone X will cost you $1,149, or $56.16 a month.

This article originally appeared on Recode.net.

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