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How does the iPhone stack up in total cost?

It's no secret or surprise that Apple pushed AT&T into whipping up some new plans for the iPhone -- specialness aside, one look at AT&T and users can get lost in its myriad plans, 44 in all (including prepaid, data, etc.). Not exactly the streamlined customer Apple experience cherishes, so the iPhone just comes with just a few service options (and not a lot to configure) -- but is there really the "Apple premium" associated with buying an iPhone and using the iPhone plan with AT&T? Only one way to find out: let's look at the numbers.



A note on AT&T data plans
We know AT&T has a lot of data plans to choose from, and your average AT&T CSR would have told us that to match the iPhone's service features your average smartphone user would need to buy the PDA Personal plan (for $30 a month) with a $5 200 SMS add-on. (According to Apple, iPhone users can sign up for this, or any other data plan they choose.)

The reality is a lot of in-store reps will just give smartphone users the MEdia Max 200 bundle, which their non-smartphone unlimited data + 200 SMS plan -- but costs $15 less per month (at $20) and is a lot closer to what you'd be paying for the iPhone. We know this isn't the "official" way of comparing AT&T's listed prices, but it's certainly the most fair real world scenario. Ready to dig into the numbers that dig into your wallet?

All prices listed include current rebates and promos (where available), valid as of June 26th.

iPhone 4GB

iPhone 8GB

3125

BB Curve

BB Pearl

Treo 750

BlackJack

8525

Base price

$500

$600

$350

$450

$400

$550

$325

$600

Price (2 yr)

$500

$600

$100

$200

$150

$200

$75

$300

Speed

EDGE

EDGE

EDGE

EDGE

EDGE

3G

3G

3G

Data plan

iPhone plan

iPhone plan

MM200

BB Internet

BB Internet

MM200

MM200

MM200

Data cost

Included

Included

$19.99

$34.99

$34.99

$19.99

$19.99

$19.99

Base / month

$79.99

$79.99

$59.99

$59.99

$59.99

$59.99

$59.99

$59.99

Cost / month

$79.99

$79.99

$79.98

$94.98

$94.98

$79.98

$79.98

$79.98

Cost / year

$959

$959

$959

$1,139

$1,139

$959

$959

$959

Cost / 2 years

$1,919

$1,919

$1,919

$2,279

$2,279

$1,919

$1,919

$1,919

Total cost

$2,419

$2,519

$2,019

$2,479

$2,429

$2,119

$1,994

$2,219



Plan cost comparison done with base iPhone plan contrasted with closest available AT&T minute plan and MEdia Max 200 bundle. Cost does not include activation fees.

Individual plan

Minutes

450

450

900

900

1350

1350

Unlimited data

x

$19.99

x

$19.99

x

$19.99

(Visual) voicemail

x

x

x

x

x

x

SMS

200 inc

200 inc

200 inc

200 inc

200 inc

200 inc

Nights + weekends

5000

5000

unlimited

unlimited

unlimited

unlimited

Rollover

x

x

x

x

x

x

Unlimited M2M

x

x

x

x

x

x

Activation fee

$36

$36

$36

$36

$36

$36

Monthly service

$59.99

$39.99

$79.99

$59.99

$99.99

$79.99

Total cost per month

$59.99

$59.98

$79.99

$79.98

$99.99

$99.98

Cost for 1 year

$719.88

$719.76

$959.88

$959.76

$1,199.88

$1,199.76

Cost for 2 years

$1,439.76

$1,439.52

$1,919.76

$1,919.52

$2,399.76

$2,399.52

So, as we can see here, on individual plans your iPhone bill is almost identical for similar features on another individual plan.

Individual plan (with extended minutes)

Minutes

2000

2000

4000

4000

6000

6000

Unlimited data

x

$19.99

x

$19.99

x

$19.99

(Visual) voicemail

x

x

x

x

x

x

SMS

200 inc

200 inc

200 inc

200 inc

200 inc

200 inc

Nights + weekends

x

x

x

x

x

x

Rollover

x

not inc

x

not inc

x

not inc

AT&T unity minutes

not inc

x

not inc

x

not inc

x

Unlimited M2M

x

x

x

x

x

x

Activation fee

$36

$36

$36

$36

$36

$36

Monthly service

$119.99

$99.99

$169.99

$149.99

$219.99

$199.99

Total cost per month

$119.99

$119.98

$169.99

$169.98

$219.99

$219.98

Cost for 1 year

$1,439.88

$1,439.76

$2,039.88

$2,039.76

$2,639.88

$2,639.76

Cost for 2 years

$2,879.76

$2,879.52

$4,079.76

$4,079.52

$5,279.76

$5,279.52

Same as with the individual plans with extended minutes.

Family plan

Minutes

700

700

1400

1400

2100

2100

Unlimited data

x

$19.99

x

$19.99

x

$19.99

(Visual) voicemail

x

x

x

x

x

x

SMS

200 inc

200 inc

200 inc

200 inc

200 inc

200 inc

Nights + weekends

unlimited

unlimited

unlimited

unlimited

unlimited

unlimited

Rollover

x

x

x

x

x

x

Unlimited M2M

x

x

x

x

x

x

Additional lines

$29.99

$9.99

$29.99

$9.99

$29.99

$9.99

Activation fee

$36

$36

$36

$36

$36

$36

Monthly service

$80.00

$69.99

$100.00

$89.99

$120.00

$109.99

1 line per month

$80.00

$89.98

$100.00

$109.98

$120.00

$129.98

2 lines

$109.99

$119.96

$129.99

$139.96

$149.99

$159.96

3 lines

$139.98

$149.94

$159.98

$169.94

$179.98

$189.94

Cost for 3 lines, 1 year

$1,679.76

$1,799.28

$1,919.76

$2,039.28

$2,159.76

$2,279.28

Cost for 3 lines, 2 years

$3,359.52

$3,598.56

$3,839.52

$4,078.56

$4,319.52

$4,558.56

It's only once we get in the family plans that we can see a difference. Adding an iPhone and smartphone with data and 200 SMS to your family plan costs the same, but the base service for that first line is where there's a price disparity -- $10 per month. It's not a lot, but it adds up over time.

Family plan (with extended minutes)

Minutes

3000

3000

4000

4000

6000

6000

Unlimited data

x

$19.99

x

$19.99

x

$19.99

(Visual) voicemail

x

x

x

x

x

x

SMS

200 inc

200 inc

200 inc

200 inc

200 inc

200 inc

Nights + weekends

unlimited

unlimited

unlimited

unlimited

unlimited

unlimited

Rollover

x

not inc

x

not inc

x

not inc

Unlimited M2M

x

x

x

x

x

x

Additional lines

$29.99

$9.99

$29.99

$9.99

$29.99

$9.99

Activation fee

$36

$36

$36

$36

$36

$36

Monthly service

$160.00

$149.99

$210.00

$199.99

$310.00

$299.99

1 line per month

$160.00

$169.98

$210.00

$219.98

$310.00

$319.98

2 lines

$189.99

$199.96

$239.99

$249.96

$339.99

$349.96

3 lines

$219.98

$229.94

$269.98

$279.94

$369.98

$379.94

Cost for 3 lines, 1 year

$2,639.76

$2,759.28

$3,239.76

$3,359.28

$4,439.76

$4,559.28

Cost for 3 lines, 2 years

$5,279.52

$5,518.56

$6,479.52

$6,718.56

$8,879.52

$9,118.56

Same is true here: extended minutes family plans still have that $10 price premium.

The bottom line
Shockingly enough, iPhone users actually stand to save a decent chunk of change if they're on family plans -- but for the most part the significantly higher cost of the device will offset that savings there as well as in comparable individual plans. It's just really hard to argue with a $75 BlackJack, you know?

But to put this another way: those worried that your iPhone will cost you a lot more in service fees than you'd pay otherwise, worry not. You're (obviously) going to pay more for the device itself, but the iPhone plans are totally fair, based on AT&T's current pricing scheme.

P.S. -We're sincerely hoping we didn't fudge any of those numbers, but please let us know if they don't quite add up!