I am on Three in the UK. SIM ONLY, £16 a month, unlimited everything. Currently have an iPhone 11 256gb that I bought outright when it was released. But end of November I am considering buying a 13 pro max 512 or 1TB and paying monthly over 2 years with apple (£56 a month for the 512gb or £64 for the 1TB). So in theory then I'd be paying, including the £16 three bill and the phone finance, either £72 or £80 a month depending on what storage size I go for. I may trade in my 11 to knock that down a bit. or do I wait for the 14....hmmm