I have 4 phones on T-Mobile. 14PM, 13 Mini, s22 and s23. The Samsungs and 13 Mini were free with a new line so they don’t have financing. My 14PM was fully financed and I pay $45.84 per month for the device. I have an Ultra watch line, the low data one for $5 a month because I basically never use my watch in cellular mode because I always have my phone. I have carrier insurance on my 14PM just so I can upgrade early, and I have carrier insurance on my daughter’s s23 because she’s 10 and I can’t not have insurance on a child’s phone lol. My bill for unlimited talk/text/data for all of us is $197 which comes out to just under $50 per line which I think is relatively fair.
I do have the 20% account level insider discount, which is what made me switch from T-Mobile to att. With att I was paying about $250 for unlimited everything on a 12PM, 2nd gen SE, and samsung a13.