Phone Total Cost of Ownership Calculator

Estimate the true multi-month cost of owning a phone including device financing, service, insurance, add-ons and setup fees.

Your numbers

Phone retail price ($)Trade-in / promo credit ($)Down payment ($)Device APR (%)Financing term (months)Plan ($/month)Insurance ($/month)Add-ons & fees ($/month)Activation/setup ($)Ownership horizon (months)

🧠 TUTORCALC EXPLAINS

Understand your result

Look beyond the advertised phone price

The service plan often costs far more than the device over a multi-year period. Compare total ownership cost across the same number of months.

FAQ

Do bill credits reduce total cost?

Yes, if you actually qualify and remain eligible for the full credit period. Enter the expected credit as a trade-in or promotional credit.