Mobile SIM-Only Calculator
Once a handset is paid off, a lot of us just keep paying the same monthly price out of habit, networks aren't required to drop it for you. See what switching to a SIM-only deal could save over 24 months, whether you keep your current phone or buy a new one outright.
Estimate only. This calculator gives estimates for information only, not financial advice. It compares a simplified 24-month window and doesn't account for early termination charges.
Enter your contract details
Your 24-month totals and best saving appear here as you type.
Why the "out of contract" trap costs so much
A typical 24-month handset-inclusive contract splits your bill into two invisible parts: the airtime (calls, texts, data) and the phone, repaid in instalments. Once those 24 months are up, the phone is paid off, but unless you actively switch, most networks keep charging you the full original price indefinitely. Moving to a SIM-only deal after your contract ends, or replacing an ageing phone outright instead of financing a new one, can cut your monthly bill dramatically because you stop paying for a device you already own.
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