What does your phone plan really cost?
The advertised price of a cell phone plan often leaves out device installment payments and taxes or regulatory fees, which can add a meaningful amount to your actual monthly bill.
How this calculator works
We add your monthly plan cost and any device payment together, then apply your estimated tax and fee percentage to find your true total monthly cost. We also project that across a year and your full contract length so you can compare plans on an apples-to-apples basis.
This calculator is for general budgeting purposes; actual carrier fees and taxes vary by location and plan.
Last reviewed August 2026