I'm looking at getting the iPhone6 64GB with AT&T. I have never been one to upgrade all the time. In fact, I buy a cell phone and can hold onto it for 4-5 years. Given this info, I'm trying to determine if it would be wise to just pay the full cost? My scenarios: A) ON CONTRACT w/ AT&T $300 [64GB iPhone6] $65/month(1GB plan) for 2yrs [24 x 65] = $1560 =============================== TOTAL after 2 yrs: 300 + 1560 = $1860 If I continue for a 3rd year (65 x 12 = 780): 780+1860= $2640 accumulative costs B) FULL PRICE w/ AT&T $750 [64GB iPhone6] $50/month(1GB plan w/discount) for 2yrs [24 x 50] = $1200 ====================================== TOTAL after 2 yrs: 750 + 1200 = $1950 If I continue for a 3rd year (50 x 12 = 600): 600+1950= $2550 accumulative costs As you can see, at 2 years only, scenario A is a cheaper option. But at some point past 2 years and definitely by year 3, I've saved (2640 - 2550 = 90). Not much, but it is something. And if I own for 4 years, even more would be saved. Here's my question: If I go with scenario B, how long could I go before AT&T (or any carrier for that matter) would choose to just raise my bill? After all, I wouldn't be on a contract. Does this happen often? I know over a 2-4 year period, plan prices are bound to change, but if I go in at a certain rate, does that typically hold for a while before a carrier would 'raise my bill'? I assume for at least 2 years? Assuming I do hang on to the phone for 4 years before upgrading, scenario B is cheaper, but only relative to what scenario A would've been.