I would like to upgrade from the iPhone 6 to iPhone 6s, but I'm confused about how much it will cost me. I understand the contract prices for the 6s are as follows 16GB: $199 64GB: $299 128GB: $399 To buy at full-price you would have to pay 16GB: $649 64GB: $749 128GB: $849 I've completed 12 months of my contract with AT&T, and I heard the ETF is $325 minus $10 for every month completed. So that means my ETF would be $225. So my question is, if I want to buy a new iPhone 6s at full-price, would I have to add the ETF to the total. My prices would be 16GB: $649 + $225 = $874 64GB: $749 + $225 = $974 $128GB: $849 + $225 = $1074 Or would it be this 16GB: $199 + $225 = $424 64GB: $299 + $225 = $524 128GB: $399 + $225 = $624 I looked everywhere, but can't find an answer to this. Can someone give me some ideas?