My current line(Jan 1, 2013- Jan 1,2015): 40-15=25$(talk)+ 40(2GB)=65$
If I upgrade via Next 12 this week or next week:
For the next 12 months,
50$(tax i.e.,down payment)+[25(talk)+40(2GB)+32.5]*12=1220
Lets say, I dont want to upgrade next year and go for 24 months starting Jan1, 2015,
50$(down payment-tax)+[25(talk)+40(2GB)+32.5]*24=2390
If I wait till Jan1, 2015 and then do a standard upgrade,
For the next 24 months,
50$(tax)+200(phone)+[40(talk)+40(2gb)]*24 = 2170
The phone is mine too after 24 months, which will give me additional 200$ minimum. So, 2170-200 = 1970
Difference = 2390-1970=420$
NEXT sucks! An intelligent move by at&t though.
Please let me know if I mis-calculated anything above.
Note: The concept of me paying off the whole price to at&t to keep the phone is useless because we used to pay only 200$ and still get to keep the phone.
The 2 year contract to me never was a problem bcoz I never thought of changing the carrier.
Edit, trying to understand your calculations...
So the 32.5/month is for next 12. If you choose to not upgrade at month 12 and keep your device, you pay off the device in month 20. You do not keep paying for a full 2 years.