Is the new iPhone 15 worth it?

How a lot is the iPhone 15?

If you’d like an iPhone 15, brace your self—these top-of-the-line telephones include sky-high costs:

iPhone 15: begins at $1,129
iPhone 15 Plus: begins at $1,229
iPhone 15 Professional: begins at $1,449
iPhone 15 Professional Max: begins at $1,749

How are you aware if it’s value the price of upgrading out of your present telephone? Do you have to look forward to iPhone 15 costs to come back down (as they ultimately will), purchase an older mannequin just like the iPhone 14 as a substitute, or make the leap and get the most recent know-how ASAP?

The quick reply is that it relies on your price range, preferences and different elements. Right here’s what to contemplate before you purchase the most recent iPhone.

Introducing iPhone 15 Professional, iPhone 15, Apple Watch Collection 9, and Apple Watch Extremely 2. All that and extra information from the #AppleEvent.

— Apple (@Apple) September 12, 2023

How will you purchase the iPhone 15 collection?

The iPhone 15 collection will probably be obtainable beginning Sept. 22, however you’ll be able to pre-order now. You’ve got two choices: purchase your telephone outright (from Apple, a mobile phone supplier or one other retailer) or make month-to-month funds (usually over two years).

Shopping for an iPhone 15 from Apple

If you happen to purchase a telephone straight from Apple and go for month-to-month funds, you’ll pay curiosity at 7.99% over 24 months. For an iPhone 15, the month-to-month fee together with curiosity can be $51.05, for a complete of $1,225.35 over 24 months. For the priciest mannequin, the iPhone 15 Professional Max, the month-to-month fee can be $79.09, for a complete of $1,898.26 over 24 months. If you happen to decide to improve the storage and/or add AppleCare+ protection, your month-to-month value will go up.

Shopping for an iPhone 15 from a mobile phone provider

If you happen to purchase a telephone by means of a cell service supplier, you probably received’t pay curiosity (0% APR), however you’ll have to join a cellular contract. You may additionally must put down a part of the telephone value upfront, relying on the supplier. For instance, Fido requires $690 down for the iPhone 15 (and extra for the opposite fashions), whereas Rogers, Bell and Telus require no upfront fee for any of the iPhone 15 collection telephones.

A few of these mobile phone carriers provide upfront reductions of some hundred {dollars} for those who comply with return the telephone in two years. This can be a superb choice for those who change telephones each couple of years already.

What about Rogers’ new Equal Cost Plan?

For patrons who plan to purchase their telephone outright, with no month-to-month cellular contract, Rogers lately launched its Equal Cost Plan—a mobile phone financing plan with no curiosity charged so long as you make the funds on time.

To be eligible, you need to pay for the gadget utilizing a Rogers Financial institution bank card (just like the Rogers Mastercard) at a Rogers, Fido or Shaw branded retailer. You’ll be able to select from two fee plans: 36 months (three years) or 48 months (4 years), and your funds will probably be as much as 50% smaller than for those who had a 24-month (two-year) fee plan. Word that that is not a reduction. Your new telephone will nonetheless value the identical, however you get extra time to pay it again. You even have the choice to repay the debt in full any time.

Are you able to afford to improve your telephone?

The price of a brand new gadget might be costly, particularly for those who’re signing on to a fee plan that costs curiosity. And, in fact, you’ll have to issue within the month-to-month value of your cellular plan. This might add one other $100 or so to your month-to-month invoice—possibly extra, relying on what options you select.

Be sincere with your self—does shopping for a brand new telephone make monetary sense? “The costs for all 4 of those new iPhones are nicely over $1,000,” says Amber MacArthur, a Canadian tech knowledgeable, podcaster and writer. “For lots of people, that’s a reasonably steep funding.”

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