Buying advice
SIM-free vs contract: which actually costs less?
A monthly price tells you almost nothing on its own. To compare fairly, work out the total you will pay over the same period for both routes.
Work out the total cost, not the monthly cost
Add the handset price to the monthly SIM-only cost multiplied by the number of months you intend to keep the phone. Compare that with the contract's monthly cost multiplied by its term, plus any upfront fee.
If the contract total is higher and you still don't own the phone outright at the end, that difference is what the finance is costing you.
Why SIM-free gives you more control
You can switch network whenever a better SIM-only deal appears, and you can sell the handset at any point because it is yours.
SIM-only plans are also where most of the aggressive UK price competition happens, so the savings tend to compound over time.
When a contract can still make sense
If you cannot pay for the handset up front, spreading the cost has real value — just check the APR or the total payable and treat it as the price of borrowing.