Total cost
$529
Entry price$1,349
Projected resale$820
Delta vs bestBaseline
Should you upgrade?
Compare upgrade strategies, model the opportunity cost of your money, and see how financing changes the true price — all powered by real pricing data.
Some checkpoints are estimated from historical Samsung Ultra market patterns. Adjust custom inputs below to model your own assumptions.
Price source
Upgrade cycle comparison
Best value: 1y. Best value: 1y based on the lowest raw ownership total. Values include estimated checkpoints. Winner is estimate-informed due to estimated checkpoints.
Total cost
$679
Entry price$1,349
Projected resale$670
Delta vs best+$150
Total cost
$819
Entry price$1,349
Projected resale$530
Delta vs best+$290
Total cost
$529
Entry price$1,349
Projected resale$820
Delta vs bestBaseline
Total cost
$679
Entry price$1,349
Projected resale$670
Delta vs best+$150
Total cost
$819
Entry price$1,349
Projected resale$530
Delta vs best+$290
Price reality check
Samsung Galaxy S26 Ultra 256GB — MSRP vs real street price over time
Within 36 months, street price was ~78% below MSRP for the S26 Ultra. Samsung's launch MSRP is a ceiling, not a fair price.
Take the 0% financing. Invest the $1,349.
Samsung offers 0% financing at $56.21/mo for 24 months. Instead of paying $1,349 upfront, take the financing and invest the lump sum.
Monthly payment (0% APR)$56.21
Investment value after 24mo$1,516
Investment gain+$167
By taking 0% financing and investing, you gain $167 — that's free money.
Financing comparison
Compare paying upfront vs monthly installments.
Total cost$1,349
Monthly costN/A
Interest paid$0
Monthly payment$56.21
Total cost$1,349
Interest paid$0