Updated Nov 8, 2026🍁 CompareZone.ca · 100% Independent Canadian Telecom Radar · No sponsored ranks
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Phone Cost Calculator

Buy your phone outright, or pay for it through a carrier?

Carrier financing spreads the phone over 24 months, but it usually comes with a pricier plan. Enter your quotes and see what each option really costs over two years.

Buy outright or finance through a carrier?

Your total cost over 24 months, side by side

Sets the sales tax (13%) and which plans you can pick.
Only counts if you own the phone at the end. Put 0 if you will keep using it.
Buy it outright
Verified 2026-11-08.
Cheapest
Buy outright + bring your own phone
$1,847
about $77/mo all in
Through a carrier
Bell, Rogers and Telus let you hand the phone back after 24 months instead of paying this last amount. Put 0 if your deal has no return option. That leaves $33.29/mo for the phone. Check it matches your quote.
Use the plan price quoted with the phone. It is often higher than the carrier's bring-your-own-phone price. Bell and Rogers charge a $40 device fee.
Carrier financing, hand the phone back
$2,795
about $116/mo all in
Carrier financing, keep the phone
$2,895
about $121/mo all in
Buy outright + bring your own phone is cheapest. It saves you about $948 over 24 months compared with carrier financing, hand the phone back.
CostBuy outrightCarrier, returnCarrier, keep
Phone$1,199$799$1,199
Sales tax (13%)$156$156$156
Plan, 24 months$792$1,800$1,800
Device fee-$40$40
Minus what you sell it for−$300-−$300
Total$1,847$2,795$2,895
The numbers in the boxes are examples. Swap in the prices you are quoted. Phone prices and carrier financing terms change often, so we do not store them. Plan prices in the list come from our verified plan data. Tax is counted on the full phone price in every option, including the one where you hand the phone back.