Apple Store Total Cost & Installment Calculator
Full Payment
12 Months (0% APR)
24 Months (0% APR)
36 Months
Cost Breakdown
Subtotal (Product + Options):
$0.00
Trade-in Deduction:
-$0.00
Estimated Sales Tax:
$0.00
Total Purchase Price:
$0.00
Estimated Monthly Payment:
$0.00/mo
How to Calculate Your Apple Store Purchase
Purchasing a new iPhone, Mac, or iPad often involves more than just the sticker price. To accurately budget for your next Apple device, you must consider the "out-the-door" price, which includes configuration upgrades and local taxes.
Key Factors in the Calculation
- Base Price: The starting MSRP for the model (e.g., iPhone 15 Pro starting at $999).
- Storage Tiers: Apple typically charges $100 to $200 per tier for additional storage (e.g., moving from 128GB to 256GB).
- AppleCare+: This optional insurance can range from $79 to $399 depending on the device and coverage type (Standard vs. Theft and Loss).
- Trade-in Value: This is a deduction from the subtotal. Apple provides credit for your old device, which reduces the taxable amount in many jurisdictions.
- Sales Tax: This is calculated based on your local zip code after the trade-in value is deducted from the product price.
Understanding Installment Plans
If you use Apple Card Monthly Installments or the iPhone Upgrade Program, your total price is divided by the term (usually 12 or 24 months) at 0% APR. However, please note that some carriers or financing options may require the full sales tax to be paid upfront at the time of purchase.
Example Calculation: MacBook Air
If you buy a MacBook Air for $1,099, upgrade the RAM for $200, add AppleCare+ for $199, and have a trade-in worth $300 with a 7% tax rate:
- Subtotal: $1,099 + $200 + $199 = $1,498
- After Trade-in: $1,498 – $300 = $1,198
- Sales Tax: $1,198 * 0.07 = $83.86
- Total: $1,281.86
- Monthly (12 Mo): $106.82/mo