How I Buy Phones Under $100

Apple's iPhone 17 starts at 799 dollars and climbs past 1000.

Buying a smartphone for under 100 dollars is entirely possible if you are willing to skip the newest cameras, displays and AI features that flagship phones charge a premium for. Apple's iPhone 17 lineup launched this week starting at 799 dollars, with some models running as high as 1199 dollars, and the gap between that price and a budget phone raises a fair question: how much of that cost buys something you actually use?

What the iPhone 17 Actually Costs

Apple's newest lineup went on sale Friday, and shoppers lined up outside stores to get their hands on the iPhone 17, the Pro, the Pro Max and the new iPhone Air. The base iPhone 17 starts at 799 dollars and climbs to 999 dollars depending on storage, while the higher end models push past 1000 dollars and top out around 1199 dollars. That is before cases, chargers or a wireless plan. For comparison, a basic modern smartphone that handles texting, streaming, navigation and casual gaming can be found for a fraction of that price, sometimes under 100 dollars when it is on sale.

Twenty Years of Cheap Phones and What They Taught Me

My own phone history says a lot about how little you need to spend to stay connected. A flip phone in high school, a couple of employer issued devices including a Blackberry and some early iPhones, and then, once I had to start paying for my own service in 2017, a string of budget Android phones through Google Fi. None of them were Pixels or iPhones. My current phone is a Moto 5G that cost 64 dollars, and it does everything I ask of it: texting, podcasts, maps, and enough distraction to get through a boring afternoon. Its storage tops out at 128 GB, about half what the base iPhone 17 offers, and that has never once been a dealbreaker.

Where the Cheap Phone Falls Short

None of this is to say budget phones are perfect. The camera on a 64 dollar phone is nowhere near what Apple or Samsung can produce, and that stings more now that I have a child whose milestones I would like to capture in something sharper than a smudge. Budget phones also tend to slow down faster and don't last as many years before they become frustrating to use. Still, none of those tradeoffs feel worth an extra 1000 dollars to me.

Two hands on a table, one holding a used budget smartphone and the other holding a new iPhone box.

The Emotional Pull Behind Premium Phone Purchases

Part of the reason people pay so much more may not be entirely rational. Researchers at the Wharton School's Neuroscience Initiative studied brain activity among Apple and Samsung customers and found that Apple fans tend to feel a genuine emotional bond with the brand and its community. Samsung buyers, by contrast, were more likely to say they chose the brand simply because it wasn't Apple. That kind of brand loyalty can be a powerful thing, but it also means some of what you're paying for at the Apple checkout counter is attachment, not just hardware.

Deciding What Your Next Phone Really Needs to Do

If you're trying to trim your budget, your phone bill and your phone purchase are both reasonable places to start. Before joining the line outside an Apple store, it helps to list out what you genuinely use a phone for: calls, texts, maps, a decent camera, enough storage for your apps. Anyone chasing top tier photography, the fastest processors or the newest AI assistant may find the premium price justified. But for plenty of people, a phone that costs a tenth of an iPhone 17 will quietly do the job just fine, green bubble and all.