Last updated: August 2026

Comparing contracts fails when people line up the monthly figure and nothing else. Here is what to actually put side by side.

The comparison worksheet

Line up Why
Monthly amount The starting point, not the answer
Term in months Longer terms flatter the monthly
Upfront or deposit Frequently omitted from advertising
Total = monthly × term + upfront The real comparison
Data allocation Compare like for like
Minutes included Only counts if you use them
Out-of-bundle rates Where surprise bills come from
Handset model and storage Same phone, different storage is not the same deal
Escalation clause Does the monthly rise during the term
Early cancellation cost Ask before signing, not after

The two arithmetic traps

  1. A lower monthly on a longer term. A 36-month deal at a lower monthly usually costs more in total than 24 months. Multiply, always.
  2. An upfront amount excluded from the headline. Add it before comparing.

See 24 vs 36 month contracts.

One thing no worksheet captures

Coverage. The cheapest contract on a network with poor signal where you live is the worst deal available to you, whatever the arithmetic says. Settle this before comparing prices.

See how to check network coverage.

See compare mobile contract deals, best contract deals, 24 month contract deals and cheapest cellphone contracts.

Frequently asked questions

What is the single most important figure?

Monthly × term, plus upfront.

Why do longer terms look cheaper?

Because the cost is advertised monthly and spread further.

What do people forget to compare?

Out-of-bundle rates and early cancellation costs.

More comparisons

Pricing and terms are set by providers and change regularly. This is general information, not financial advice.