How much does a new iPhone cost? That’s not as simple a question as it once was.

Since last year’s launch of the iPhone 6, U.S. wireless carriers have radically changed their pricing structure, following T-Mobile’s footsteps by generally moving away from subsidized phones and two-year contracts. In their place are a slew of payment options, installment plans and leases.

It’s more than a little confusing, so Mashable put all the information in one place before preorders begin on Saturday, Sept. 12 at 12 a.m. PT.

Browse the chart and click on your carrier (or Apple, if you’re buying directly) to get a breakdown of how much your iPhone 6S or iPhone 6S Plus will cost. Scroll down to learn more about the details of individual plans at each carrier.

It’s probably a good idea to contact your carrier before you preorder or buy in any case. Besides buying the phone, wireless plans vary widely, so it’s best to talk to customer service to help figure out what your total monthly bill will look like. If you want to dive even deeper, Lifehacker has a thorough guide.

Why upgrade at all? Good question: Read our hands-on review and if you want to preorder, check out our tips on that, as well. We’ll also have thorough reviews of both models in the coming weeks. Oh, and don’t bother with the 16GB model.

The definitive guide to iPhone 6S pricing, by carrier

Apple

Little known fact: Apple isn’t a carrier. However, many people buy their phones directly from Apple, and the company now has its freshly unveiled lease-to-own plan. Apple’s offerings are fairly straightforward: You can pay the full retail price for an unlocked phone, or you can do Apple’s new iPhone Upgrade Program.With that program, you essentially get locked into a 24-month contract with Apple, with the option to upgrade your phone after 12 months. The phone is unlocked, so it works with any carrier and the price comes with AppleCare+.
MODEL STORAGE FULL PRICE APPLE IPHONE UPGRADE PROGRAM
iPhone 6S 16GB $649.00 $32.45
iPhone 6S 64GB $749.00 $37.45
iPhone 6S 128GB $849.00 $42.50
iPhone 6S Plus 16GB $749.00 $37.45
iPhone 6S Plus 64GB $849.00 $42.50
iPhone 6S Plus 128GB $949.00 $47.45

AT&T

AT&T is the only carrier that still offers traditional subsidies and two-year contracts to new customers (Sprint and Verizon offer them only to those who already have a two-year contract). If you’re willing to be married to AT&T’s service for two years, a subsidized phone could be a good way to go.Early Upgraders should choose AT&T Next. With AT&T Next 12 you can trade-in after 12 months, or pay your phone off after 24 months. For AT&T Next 18, you can trade-in after 18 months, or pay your phone off after 24 months. With AT&T Next 24, you can trade-in after 24 months, or pay your phone off after 30 months.Customers can also put a 30% down payment towards AT&T Next, getting a trade-in option after 12 months, or pay the phone off after 28 months. You’ll need to bust out a calculator to determine what’s a better value.

MODEL STORAGE FULL PRICE TWO-YEAR AGREEMENT AT&T NEXT 12 AT&T NEXT 18 AT&T NEXT 24 AT&T NEXT (30% DOWN PAYMENT)
iPhone 6S 16GB $649.00 $199.00 $32.50 $27.09 $21.67 $16.25 ($195)
iPhone 6S 64GB $749.00 $299.00 $37.50 $31.25 $25.00 $18.75 ($225)
iPhone 6S 128GB $849.00 $399.00 $42.50 $35.42 $28.34 $21.25 ($255)
iPhone 6S Plus 16GB $749.00 $299.00 $37.50 $31.25 $25.00 $18.75 ($225)
iPhone 6S Plus 64GB $849.00 $399.00 $42.50 $35.42 $28.34 $21.25 ($255)
iPhone 6S Plus 128GB $949.00 $499.00 $47.50 $39.59 $31.67 $23.75 ($285)

Sprint

If you currently have a two-year contract with Sprint, you can get a subsidized phone and a two-year contract. Otherwise, you can sign up for Sprint’s iPhone Forever program or Easy Pay.iPhone Forever is similar to Apple’s iPhone Upgrade Program. It’s a 22-month lease that lets you upgrade to the newest iPhone after 12 months. If you trade in your old iPhone, you get a lower monthly rate, which is worth it if you have an old iPhone, but probably not if you have an iPhone 6 (because of the higher resale value).Easy Pay is essentially a monthly financing plan. Do the math to make sure you get the best deal. If you can get a subsidy, it might be dramatically cheaper.

MODEL STORAGE FULL PRICE TWO-YEAR AGREEMENT IPHONE FOREVER WITH IPHONE TRADE-IN IPHONE FOREVER WITHOUT IPHONE TRADE-IN EASY PAY MONTHS 1–23 (MONTH 24)
iPhone 6S 16GB $649.00 $199.00 $15.00 $22.00 $27.09 ($26.92)
iPhone 6S 64GB $749.00 $299.00 $19.77 $26.77 $31.25 ($31.24)
iPhone 6S 128GB $849.00 $399.00 $24.53 $31.53 $35.42 ($35.33)
iPhone 6S Plus 16GB $749.00 $299.00 $19.00 $26.00 $31.25 ($31.24)
iPhone 6S Plus 64GB $849.00 $399.00 $23.77 $30.77 $35.42 ($35.33)
iPhone 6S Plus 128GB $949.00 $499.00 $28.53 $35.53 $39.59 ($39.42)

T-Mobile

T-Mobile is offering a good deal in Jump! On Demand — as long as you’re willing to stick with T-Mobile. You pay a certain amount per month for the phone, with the option to pay off the remainder after 18 months.The company is offering promotional rates for the launch of the iPhone 6S, so if you’re willing to be married to T-Mobile, you can get a good deal. Note that those rates will go up at an undisclosed time, so act quickly if this deal appeals to you.
MODEL STORAGE FULL PRICE JUMP ON DEMAND DOWN PAYMENT JUMP ON DEMAND PRICE PER MONTH (INTRO. PRICE) JUMP ON DEMAND PRICE PER MONTH (REG. PRICE) JUMP ON DEMAND REMAINING BALANCE AFTER 18 MONTHS
iPhone 6S 16GB $649.00 $0.00 $20.00 $27.00 $164.00
iPhone 6S 64GB $749.00 $99.99 $19.00 $26.00 $182.00
iPhone 6S 128GB $849.00 $199.99 $18.00 $25.00 $200.00
iPhone 6S Plus 16GB $749.00 $0.00 $24.00 $31.00 $192.00
iPhone 6S Plus 64GB $849.00 $99.99 $23.00 $30.00 $210.00
iPhone 6S Plus 128GB $949.00 $199.99 $22.00 $29.00 $228.00

Verizon

Like Sprint, Verizon still offers subsidized phones with two-year contracts to customers who already have two-year contracts. If that’s you, this could be a great deal.Otherwise, Verizon has an incredibly simple 24-month payment plan, which is the phone’s cost divided by 24. Note that Verizon won’t let you pay more than that amount if you want to finish paying off the phone earlier; if you want to break the 24-month cycle, you need to pay the full value of the phone.
MODEL STORAGE FULL PRICE TWO-YEAR AGREEMENT 24-MONTH INSTALLMENT PLAN
iPhone 6S 16GB $649.00 $199.00 $27.08
iPhone 6S 64GB $749.00 $299.00 $31.24
iPhone 6S 128GB $849.00 $399.00 $35.41
iPhone 6S Plus 16GB $749.00 $299.00 $31.24
iPhone 6S Plus 64GB $849.00 $399.00 $35.41
iPhone 6S Plus 128GB $949.00 $499.00 $39.58

Source: Mashable

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