The Times & The Sunday Times 12+
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Make sense of it all with The Times & The Sunday Times. Subscribe today to receive our award-winning journalism straight to your iOS device. Keep up to date with the latest UK and global news developments and discover unrivalled insight and analysis from expert writers. We’ll give you the stories behind the headlines. With UK and global politics both dominating the public consciousness there has never been a better time to enjoy our news coverage and journalism. Know your times with The Times & The Sunday Times app.
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Venmo 4+
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Venmo is the fast, safe, social way to pay and get paid. Join over 70 million people who use the Venmo app today.
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Apple iPhone 13 Review: The Most Incremental Upgrade Ever
The new iPhone is 10 percent faster than the last one, and the photos are slightly better. In a word: Huh.
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The truth is that smartphones peaked a few years ago.
After so many advances, the miniature computers have reached incredible speeds, their screens have become bigger and brighter, and their cameras produce images that make amateur photographers look like wizards.
The problem with so much great innovation is that upgrades are now so iterative that it has become difficult to know what to write about them each year. That’s especially the case with Apple’s iPhone 13, which may be the most incremental update ever to the iPhone.
The newest iPhone is just 10 percent faster than last year’s models. (For context, in 2015, the iPhone 6S was more than 70 percent faster than its predecessor, the iPhone 6.) Its flashiest new feature, a higher screen “refresh rate” on the $1,000-plus models, makes motion look smoother when opening apps and scrolling through text — hardly a game changer.
Innovations on smartphone cameras also appear to be slowing. Apple executives described the iPhone 13 cameras as “dramatically more powerful” and the iPhone’s “most advanced” ever, largely because they can capture more light and reduce noise. But in my tests, the improvements were marginal.
This is all to say the annual phone upgrade, which companies like Apple and Samsung tout with enormous marketing events and ad campaigns to gin up sales for the holiday shopping season, has become a mirage of tech innovation. In reality, the upgrades are now a celebration of capitalism in the form of ruthless incrementalism.
What better way to illustrate that slow march than with smartphone photos? To put the iPhone 13 cameras to the test, I bought a special tripod to hold two phones side by side so I could snap roughly the same photos of my dogs at the same time. I compared shots taken with the new iPhones, last year’s iPhone 12 and a three-year-old iPhone XS.
When I got the results, I was genuinely surprised by how well the iPhone XS camera stood up against the newest models. And the iPhone 13’s camera was just barely better than the iPhone 12’s.
Enough words. Let my dog photos guide you on the latest iPhone.
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The True Cost of Upgrading Your Phone
Buying a $1,000 iPhone can be equivalent to giving up $17,000 in retirement savings or 2,500 cups of coffee.
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Let’s talk about buying an iPhone for $1,000. Tim Cook, Apple’s chief executive, once compared this eye-popping price tag to buying a cup of coffee a day over a year. No big deal, right?
But financial advisers see this differently. By some estimates, an investment of $1,000 in a retirement account today would balloon to about $17,000 in 30 years.
In other words, $700 to $1,000 — the price range of modern smartphones — is a big purchase. Fewer than half of American adults have enough savings set aside to cover three months of emergency expenses, according to the Pew Research Center. Yet one in five people surveyed by the financial website WalletHub thought a new phone was worth going into debt for.
Tech companies fairly argue that our smartphones are our most powerful tools for work and play and thus worth every penny. But they also play numbers games to downplay the costs of a new phone. Samsung, for example, has said the price of its new Galaxy phone is $200 — but that’s only if you trade in a year-old phone for credit toward the new one. The true price is $800.
So it’s worth looking at phone upgrades in a different light to weigh their financial impact. That can help us make well-considered decisions so that the move isn’t automatic.
The irony of Mr. Cook’s coffee analogy isn’t lost on Suze Orman, the financial adviser who once famously equated people’s coffee habits to “peeing $1 million down the drain.” The seemingly small amount of money that people mindlessly spend on java — and now phone upgrades — could be a path to poverty, she said.
“Do you need a new one every single year?” asked Ms. Orman, who hosts the “Women and Money” podcast. “Absolutely not. It’s just a ridiculous waste of money.”
Apple and Samsung didn’t immediately respond to requests for comment.
So what’s the true cost of a phone upgrade? Let’s look at the math.
Flipsy, a company that buys and sells used phones, published an analysis this year arguing that it’s smart to buy a new iPhone every year. Here was its breakdown:
The iPhone 12 cost $799 last year. It’s now worth $460 if you trade it in to defray the cost of a new phone. The newest iPhones, the iPhone 13, also cost $799. So if you traded in your iPhone 12, the iPhone 13 would cost $339. At this rate, if you bought an iPhone every year for four years, including the original $799, the net total would be $1,816.
If you waited three years for the iPhone 15, your iPhone 12’s trade-in value would diminish to about $200. Trade it in and the cost of the iPhone 13 would be $599. Add in the original $799 and your net cost over four years would be $1,398.
In summary, upgrading annually over three years costs $418 more, or roughly $12 a month, compared with upgrading every three years, Flipsy said.
Framed this way, it may sound like a bargain to get a new phone every year as opposed to every few years. But plugging these numbers into a financial calculator tells a different story.
If you put $12 a month into a retirement account, like a Roth I.R.A. that has an average annual rate of return of 10 percent, that amount would turn into $25,161 over 30 years, according to Ms. Orman’s savings calculator.
Ms. Orman compared the trade-in dilemma to buying cars. Car manufacturers could argue that the diminishing trade-in value of your car should compel you to buy a new one regularly — but don’t fall for it.
“I love my car, and I don’t care that the value goes down,” she said. “Think of the 11 years I have saved money not having car payments, or trading it in and spending more money to get another car.”
So what about those cups of coffee? On average, we pay $3 a cup, so $1,000 could buy roughly 333 cups. But naturally, making your own coffee is much cheaper.
I plugged some numbers into a coffee calculator designed by Bone Fide Wealth, a financial planning service. A $16 bag of beans from Peet’s Coffee at Costco could brew about 41 cups of coffee for 39 cents each. So a $1,000 iPhone is worth about 2,500 cups of coffee. Not as compelling.
Doug Boneparth, the president of Bone Fide Wealth, made a counterpoint. For people who have plenty of cash and are aware of the impacts of their spending, splurging on new phones could be inconsequential to their overall savings goals compared with bigger expenses like housing — and if phones make them happy, go for it. He said he sets aside cash every year to buy a new iPhone as a sort of hobby.
“Personal finance is quite personal,” Mr. Boneparth said.
But he acknowledged that even his hobby was beginning to have diminishing returns because new phones weren’t getting much better technologically every year. “The 13 is the first one where I’m like, ‘This one literally only has a better camera,’” he said of the latest iPhone.
Ms. Orman cautioned that for most people who didn’t have as much money in the bank, especially those in debt, the effects of a phone upgrade could snowball. A $1,000 phone charged to a credit card could turn into $3,000 with interest by the time it’s paid off, she said. More debt could also affect your credit score, making it harder to buy or rent a home.
“If you think a phone is worth going into debt for, then, oh my God, you’ve now just set yourself up for always being in debt,” she said. “The truth of the matter is there’s nothing other than a medical expense worth going into debt for.”
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