Our purpose
Phone Upgrade Calculator turns a shopper’s official disclosure into transparent arithmetic. It is an educational calculator, not a lease provider, lender, broker, Apple retailer or Klarna representative.
How we work
- Use current Apple pages for public program rules.
- Use the shopper’s individual Klarna schedule for transaction-specific amounts.
- Calculate money in integer cents.
- Publish formulas, assumptions and excluded variables.
- Correct conflicting data instead of hiding it behind a single confident number.
Editorial independence
Apple, iPhone, iPad, Mac and Apple Watch are trademarks of Apple Inc. Descriptive use of those names does not imply affiliation, approval or sponsorship. Klarna provides the lease; this site does not submit applications or collect financial credentials.
Corrections policy
Corrections are reviewed against the current official source and the effective date of the underlying program change. A correction record should identify the affected page, disputed statement, primary source and verification date.