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Compare phone contracts and SIM-only deals in plain English

Handset deals and SIM-only tariffs are written to confuse. Get a like-for-like comparison for how you actually use your phone.

Updated 17 Oct 2026

The prompt · ChatGPT

Help me compare phone contracts and SIM-only deals.

How I use my phone: [data per month, calls, hotspot]
Handset I want: [model, or "keep my phone"]
Deals I'm looking at: [paste or describe monthly price, length, upfront]
How long I'm happy to be tied in: [months]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A like-for-like table: monthly, upfront, total over the term, data, exit rules.
2. Total cost of buying the handset plus SIM-only versus a handset contract, if both apply.
3. Which type fits my usage, in one paragraph.
4. Three questions to ask or check before I sign.

Don't invent tariffs. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. UK English.

For current Ofcom or MoneyHelper guidance on mobile contracts, use web search and name the page you used. If it doesn't search on its own, open View all tools and choose Search.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. data per month, calls, hotspot: a short note you already have. model, or "keep my phone": a short note you already have. Leave the rest of the prompt as written.

This does not give tax advice. The books stay in the accounting system.

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