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Phone cost
iPhone 7 Plus - 128Gb
Monthly plan cost (contract)
Telstra. $700 calls. 1.5Gb data. 24 months.
Monthly plan cost (no contract)
Jeenee mobile. $500 calls. 1.5Gb data. Profits go to charity.
Discount rate (annual)
Discount rate (monthly)
Purchase phone outright + no contract plan
Period
Discount factor
Cost
Discounted cost
NPV
0
1.000
$ 1,024.00
$ 1,024.00
$ 1,599.71
Contract plan
Period
Discount factor
Cost
Discounted cost
NPV
0
1.000
$
86.00
$
86.00
$ 2,066.43
999.00
86.00
25.00
4%
0.33%
$
$
1
0.997
25.00 $
24.92 $
2
0.993
25.00 $
24.83 $
3
0.990
25.00 $
24.75 $
4
0.987
25.00 $
24.67 $
5
0.983
25.00 $
24.59 $
6
0.980
25.00
24.51
$
$
1
0.997
86.00 $
85.71 $
2
0.993
86.00 $
85.43 $
3
0.990
86.00 $
85.15 $
4
0.987
86.00 $
84.86 $
5
0.983
86.00 $
84.58 $
6
0.980
86.00
84.30
$
$
7
0.977
25.00 $
24.42 $
8
0.974
25.00 $
24.34 $
9
0.970
25.00 $
24.26 $
10
0.967
25.00 $
24.18 $
11
0.964
25.00 $
24.10 $
12
0.961
25.00
24.02
$
$
7
0.977
86.00 $
84.02 $
8
0.974
86.00 $
83.74 $
9
0.970
86.00 $
83.46 $
10
0.967
86.00 $
83.19 $
11
0.964
86.00 $
82.91 $
12
0.961
86.00
82.63
$
$
13
0.958
25.00 $
23.94 $
14
0.954
25.00 $
23.86 $
15
0.951
25.00 $
23.78 $
16
0.948
25.00 $
23.70 $
17
0.945
25.00 $
23.62 $
18
0.942
25.00
23.55
$
$
13
0.958
86.00 $
82.36 $
14
0.954
86.00 $
82.09 $
15
0.951
86.00 $
81.81 $
16
0.948
86.00 $
81.54 $
17
0.945
86.00 $
81.27 $
18
0.942
86.00
81.00
$
$
19
0.939
25.00 $
23.47 $
20
0.936
25.00 $
23.39 $
21
0.933
25.00 $
23.31 $
22
0.929
25.00 $
23.24 $
23
0.926
25.00 $
23.16 $
24
0.923
25.00
23.08
$
$
19
0.939
86.00 $
80.73 $
20
0.936
86.00 $
80.46 $
21
0.933
86.00 $
80.20 $
22
0.929
86.00 $
79.93 $
23
0.926
86.00 $
79.66 $
24
0.923
86.00
79.40