Which Wireless Plan Is Cheapest?

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Smartphone wireless plans didn’t used to be so complicated. You handed over about $200 for the phone, tried to get by with the minimum amount of voice, text and data — most carriers charged about $70 per month — and paid a little extra if you  needed more. Now, carriers want you to figure out exactly how much data you’ll use, down to the gigabyte. Verizon, AT&T and T-Mobile would also like you to stop paying up-front for a subsidized phone and instead pay the full price in monthly installments. In exchange, they’ll give you cheaper service, and may even let you upgrade to a new phone more often. But the discount you actually get depends on which carrier you’re on, how much data you’re using and how many people are on your family plan. And just when you think you’ve got it figured out, the carriers change their pricing structures again. That’s what happened this week when Verizon announced its “More Everything” plans, and last week when AT& T introduced its Mobile Share Value plans. The goal of both plans is to make early upgrades less of a ripoff than before. So here’s what we’re going to do: Below are two charts comparing the prices of the four major carriers as they exist in February 2014. First we’ll compare their standard plans, and then we’ll compare the early upgrade plans, in which you trade up to a new phone every year. For simplicity’s sake, we’ll assume everyone’s getting a $200 phone, like a 16 GB iPhone 5s. Finally, we’ll calculate the long-term costs in a few different scenarios. Best of luck to you in figuring it out. The carriers certainly don’t make it easy. Verizon vs. AT&T vs. Sprint vs. T-Mobile Here’s the breakdown by carrier without any early upgrade privileges. The first section shows monthly service pricing for a single phone with unlimited talk and text, with additional charges listed below. In all cases, we’ll assume everyone’s getting a 16 GB iPhone 5s or a comparably-priced phone once

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