Some links on this site may earn us a commission; the cheapest route is always shown first. Disclosure
AT&T vs. T-Mobile: iPhone Duo for 4 lines
For 4 lines of iPhone Duo over 36 months, AT&T's Extra 2.0 beats T-Mobile's Experience More by $2,017. The monthly plan price is the single biggest driver of that gap. Both sides are backed by confirmed plan pricing.
AT&T (24 months) and T-Mobile (24 months) spread its device credit over fewer than 36 months, so the bill drops partway through.
AT&T
Extra 2.0 · Buy unlocked (Apple financing)
vs. T-Mobile unlocked (Apple financing) over 36 months
$100.10/mo per person, 4 lines
$14,415 over 36 months · $400.41/mo household
$514.24/mo for 24 months, then $181.08/mo once the device is paid off.
How we calculate this$2,199 more than your current bill over 36 months — for 4 lines on Extra 2.0
Plus 4 new phones and setup: $7,896, net of trade-in/resale credit.
Plan $40.00/mo + device $83.29/mo + $35.00 upfront − $59.97 cashback
iPhone Duo 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 $40.00/mo + device $83.29/mo + $35.00 upfront − $59.97 cashback
iPhone Duo 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 $40.00/mo + device $83.29/mo + $35.00 upfront − $59.97 cashback
iPhone Duo 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 $40.00/mo + device $83.29/mo + $35.00 upfront − $59.97 cashback
iPhone Duo 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)
$114.11/mo per person, 4 lines
$15,794–$16,432 over 36 months · $438.73–$456.45/mo household
$570.28/mo for 24 months, then $237.12/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.
AT&T's provider fee: $5.27/line (PA label; varies by state). T-Mobile's provider fee: $4.49/line + $0.36–$4.79/line surcharge that varies by location.
Frequently asked
Which is cheaper for 4 lines of iPhone Duo: AT&T or T-Mobile?
AT&T's Extra 2.0 costs $14,415 over 36 months for 4 lines of iPhone Duo, $2,017 less than T-Mobile's Experience More at $16,432.
What's the effective monthly cost of iPhone Duo on AT&T vs. T-Mobile?
AT&T works out to $400.41/mo and T-Mobile to $456.45/mo, each the 36-month total divided evenly by 36 — not necessarily the bill you'd see in any single month.
Are these AT&T and T-Mobile prices confirmed?
AT&T's total is not yet independently verified, 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.