Upgrade or keep? Break-even calculator
Compare the net cost of upgrading with the value you expect to get from the new device over the years you still need it.
Calculator using your upgrade price, keep costs and how much better the upgrade feels each year. How we research · How links work
The short answer
Upgrading for $999 while repairs on the old device cost $120 means about $879 net to switch. If you value the upgrade at $150 a year for 2 years ($300), keeping looks better on those numbers.
Your choice
Verdict
-
-
Break-even ideas
| Net upgrade cost | Years left | Yearly benefit needed to break even |
|---|---|---|
| $400 | 2 | $200 / year |
| $600 | 3 | $200 / year |
| $900 | 2 | $450 / year |
Next step
If the verdict is close, check battery health and update support dates before you spend.
Common questions
What is “yearly benefit”?
Your estimate of how much better the upgrade is each year: faster work, better photos, lower repair risk. If the new device feels only slightly better, keep this number low.
Should I include trade-in value?
Yes. Lower the upgrade price by the trade-in or resale you expect. The calculator then compares net cash out.
What about software support ending?
If security updates stop soon, put that under repair or risk cost for keeping the old device, or shorten years left.
