I had an interesting discussion with an iPhone user about how long they intend to keep their device before upgrading they don't intend on keeping their device longer than 2 years! So, based on how long people intend on keeping their iPhones and how much they spent on them here is just a simple break down of how much they are spending. $400 iphone, upgraded after 2 years = $880 or $36.66/month before taxes and fees. $400 iphone, upgraded after 3 years = $1120 or $31.11/month before taxes and fees. $500 iphone, upgraded after 3 years = $1220 or $33.80/month before taxes and fees. So I can pay off my $350 n810 in 11.2 months by NOT getting an iPhone. The n800 at $230 can be paid off in 7.5 months. Hell after 3 years I can upgrade the nokia and STILL come out ahead.