Phone Care Plan Worth-It Calculator (AppleCare+, Samsung Care+ and similar)

How it works

Expected cost without the plan = repairs × repair cost. With the plan = plan price + repairs × service fee. A positive difference means the plan is expected to save money. Break-even repairs = plan price ÷ (repair cost − service fee): if you expect more repairs than that, the plan pays off. Loss and theft cover, battery service and peace of mind are not priced in. Independent calculator, not affiliated with Apple or Samsung.

⚠ Estimates for information only — not financial advice.

FAQ

How many repairs should I expect?

Think about your own history: if you cracked a screen once in the last two phones, about 0.5 per two years is a fair guess. The break-even number tells you how careful you need to be.

Is my card or carrier insurance an alternative?

Yes — carrier phone insurance and some credit cards cover damage. Enter their monthly fee × months as the plan price and their deductible as the service fee to compare.

Checked 11 Nov 2026. Expected-value arithmetic. Plan prices and service fees: the maker’s own care-plan page and terms for your model; repair costs: the maker’s repair price list or a repair quote.