I hope someone can clarify this assumption for me, because I have not joined the iPhone Upgrade Program. I am concerned that upgrading to the next iPhone every year after making 12 payments isn't possible. The program terms and conditions say that your first payment (taxes + first month's payment) is due when you sign up and receive the iPhone. https://www.apple.com/legal/sales-support/iphoneupgrade_us/ I am unsure when payments 2 - 24 are due each month. Assuming you are charged every month on the day you received the iPhone you would have at most 1 year - 1 day's time to upgrade to the next iPhone. If you waited 1 year would you be charged 13 payments?