Calculator
Upgrade or keep your phone?
Compare three routes over the next 24 months: stay as you are, keep your phone on SIM only, or upgrade. The difference is the real price of a new phone.
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When does upgrading make sense?
When your phone is failing or no longer updated. Otherwise keeping it on SIM only is usually cheapest.
What about my early exit fee?
Text INFO to 65075 for free and enter the figure — it’s added to the upgrade route.
Do I need to stay with my network?
No. You can upgrade with any network and take your number with you.
No price rise- Runs on Three
- 30-day rolling plan
- No credit check
- EU roaming included, 12 GB
£6 a month
Get this dealSMARTY review →The cheapest 30-day SIM with 10GB+ and no annual rise — live.
Your current plan
If you upgraded
Next 24 months
How the three routes are worked out
- Stay as you are — your current bill for 24 months, plus the April rise you enter.
- Keep your phone — your current bill until the contract ends, then the cheapest 30-day SIM for the data you need.
- Upgrade — today’s cheapest 24-month deal for the phone you pick, April rises included, plus any early exit fee.
If you are out of contract, “stay as you are” is almost never the cheapest route: you are paying for a phone that is already yours.
Prices load live each time you open this page · How we compare
Three common situations
Out of contract, phone works fine
Keeping your phone and moving to a 30-day SIM is almost always cheapest. If your bill is £35 and a SIM with the data you need is £10, you save £25 a month — £600 over two years — and your phone is already paid for.
A few months left, phone failing
Check the early exit fee by texting INFO to 65075, add it to the calculator, and compare upgrading now with waiting until the end date. Often waiting a couple of months and then upgrading or switching costs less than the exit fee.
You want the latest model
The calculator shows the real price of upgrading: the difference between the new contract’s total and keeping your phone on SIM only. If that number feels high, compare last year’s model or buying outright.
Is my phone too old?
Look at three things: battery health (a replacement battery is far cheaper than a new phone), software updates (check the release date on your phone’s page — recent iPhones, Pixels and Galaxy S phones get several years of updates), and storage. If all three are fine, your phone has life left.
Lower the cost of upgrading
- Sell or trade in your old phone and subtract the value from the upgrade total.
- Choose a network with no yearly rise, or a split contract that drops when the phone is paid off.
- Upgrade after a new launch, when last year’s model gets cheaper.
More help: your contract has ended — what now? and every phone ranked by true total.
FAQ
Common questions
Should I upgrade at the end of my contract?
Only if you need a new phone. Moving to SIM only usually saves the most.
Can I sell my old phone?
Yes. Any trade-in value lowers the real cost of upgrading — subtract it from the upgrade total.
How long are phones updated?
Recent iPhones, Pixels and Galaxy S phones get several years of updates. Check before deciding your phone is too old.