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Verizon vs. T-Mobile: iPhone 18 Pro Max for 5 lines
For 5 lines of iPhone 18 Pro Max over 36 months, Verizon's Simplicity beats T-Mobile's Experience More by $511. The difference in provider fees is the single biggest driver of that gap. Both sides are backed by confirmed plan pricing.
Verizon (24 months) and T-Mobile (24 months) spread its device credit over fewer than 36 months, so the bill drops partway through.
Verizon
Simplicity · Buy unlocked (Apple financing)
of T-Mobile unlocked (Apple financing) over 36 months
$88.42/mo per person, 5 lines
$14,601–$15,915 over 36 months · $405.58–$442.08/mo household
$532.15/mo for 24 months, then $261.50/mo once the device is paid off.
- Provider fees unconfirmed
Resolves once Verizon's provider fees are confirmed.
$3,780–$5,094 more than your current bill over 36 months — for 5 lines on Simplicity
Plus 5 new phones and setup: $6,501, net of trade-in/resale credit.
Plan $45.00/mo + device $54.13/mo + $40.00 upfront − $38.97 cashback
iPhone 18 Pro Max paid over 24 months at 0% APR via Apple Card Monthly Installments, with 3% cashback credited once.
Sales tax on the device (varies by state, typically charged upfront on full MSRP) is not included in the totals above.
We don't have a resale value for a iPhone 16 in this condition yet, so it counts as $0 here.
Plan $45.00/mo + device $54.13/mo + $40.00 upfront − $38.97 cashback
iPhone 18 Pro Max paid over 24 months at 0% APR via Apple Card Monthly Installments, with 3% cashback credited once.
Sales tax on the device (varies by state, typically charged upfront on full MSRP) is not included in the totals above.
We don't have a resale value for a iPhone 16 in this condition yet, so it counts as $0 here.
Plan $45.00/mo + device $54.13/mo + $40.00 upfront − $38.97 cashback
iPhone 18 Pro Max paid over 24 months at 0% APR via Apple Card Monthly Installments, with 3% cashback credited once.
Sales tax on the device (varies by state, typically charged upfront on full MSRP) is not included in the totals above.
We don't have a resale value for a iPhone 16 in this condition yet, so it counts as $0 here.
Plan $45.00/mo + device $54.13/mo + $40.00 upfront − $38.97 cashback
iPhone 18 Pro Max paid over 24 months at 0% APR via Apple Card Monthly Installments, with 3% cashback credited once.
Sales tax on the device (varies by state, typically charged upfront on full MSRP) is not included in the totals above.
We don't have a resale value for a iPhone 16 in this condition yet, so it counts as $0 here.
Plan $45.00/mo + device $54.13/mo + $40.00 upfront − $38.97 cashback
iPhone 18 Pro Max paid over 24 months at 0% APR via Apple Card Monthly Installments, with 3% cashback credited once.
Sales tax on the device (varies by state, typically charged upfront on full MSRP) is not included in the totals above.
We don't have a resale value for a iPhone 16 in this condition yet, so it counts as $0 here.
T-Mobile
Experience More · Buy unlocked (Apple financing)
$91.26/mo per person, 5 lines
$15,629–$16,426 over 36 months · $434.13–$456.28/mo household
$547.05/mo for 24 months, then $276.40/mo once the device is paid off.
- Provider fees unconfirmed
Resolves once T-Mobile's provider fees for your location are confirmed.
Data verified September 10, 2026.
Verizon's provider fee: provider fee not yet confirmed. T-Mobile's provider fee: $4.49/line + $0.36–$4.79/line surcharge that varies by location.
Frequently asked
Which is cheaper for 5 lines of iPhone 18 Pro Max: Verizon or T-Mobile?
Verizon's Simplicity costs $15,915 over 36 months for 5 lines of iPhone 18 Pro Max, $511 less than T-Mobile's Experience More at $16,426.
What's the effective monthly cost of iPhone 18 Pro Max on Verizon vs. T-Mobile?
Verizon works out to $442.08/mo and T-Mobile to $456.28/mo, each the 36-month total divided evenly by 36 — not necessarily the bill you'd see in any single month.
Are these Verizon and T-Mobile prices confirmed?
Verizon's total is a computed worst/best estimate, pending a promo or fee confirmation, and T-Mobile's is a computed worst/best estimate, pending a promo or fee confirmation. See the confidence badge on each card, and our methodology page, for what that means.