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Best Cell Phone Plans Under $40

What are the best phone plans under $40?

Best prepaid plan
1GB 4G/5G data
$10/mo*
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See Deal

Best family plan
5GB 4G/5G data
$15/mo*
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See Deal

Free Starter Kit with code: MSPUSM
Best 5G plan
2GB 4G/5G data
$14/mo*
Powered by:

See Deal

* $168 for 12 Months Service
Best senior plan
3GB 4G/5G data
$10/mo*$20/mo
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See Deal

* 50% Off for 6 Months
Cheap cell phone plans starting at $10/mo - Compare Now
Find the cheapest phone plans in your area

If you're looking for the best phone plans under $40, you've come to the right place.

At MoneySavingPro we love MVNOs for their budget friendly options without sacrificing quality coverage as they're powered by the same major US networks.

Switching to an MVNO you can find a range of plans at $40 or less from carriers like Tello.

We've compared the best phone plans under $40 from all low cost carriers to help you find the cheapest cell phone plan.

Best cell phone plan under $40 for prepaid

Tello SIM Card - Tello 1GB $10/moTello SIM Card - Tello 1GB $10/mo
Minutes
Unlimited
Texts
Unlimited
Data
1GB
Price
$10/mo
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Tello 1GB plan includes unlimited mins, unlimited texts and 1GB data for only $10 per month. Tello plans offer wireless coverage on the T-Mobile 5G and 4G LTE network. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Tello review

Plans
PlanDataPriceView plan

Tello Unlimited Talk & Text

0GB

$8

View Plan

Tello 1GB

1GB

$10

View Plan

Tello 2GB

2GB

$14

View Plan

Tello 4GB

4GB

$19

View Plan

Tello 6GB

6GB

$24

View Plan

Tello 8GB

8GB

$29

View Plan

Tello Unlimited Data

Unlimited

$39

View Plan
Review
5

Pros

  • 24/7 customer support

  • No contracts

  • Budget friendly family plans

Cons

  • No roaming

  • Coverage in rural areas

Benefits

  • Service on the nationwide T-Mobile network

  • Money-back guarantee on phones (no refunds on plans)

  • Prepaid - no contract, credit check, or activation fee

  • Bring your own phone or choose from a modest selection of new or refurbished devices

  • Keep your current phone number

  • Use of your plan data as a mobile hotspot through your phone is allowed

  • Use your minutes to call Canada, China, and Mexico

  • Minutes to other countries available as add-on

  • 24/7 customer service

Best cell phone plan under $40 for families

US Mobile SIM Card - US Mobile 5GB $15/moUS Mobile SIM Card - US Mobile 5GB $15/mo
Minutes
Unlimited
Texts
Unlimited
Data
5GB
Price
$15/moFree Starter Kit with code: MSPUSM
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US Mobile 5GB plan includes unlimited mins, unlimited texts and 5GB data for only $15 per month. US Mobile plans offer wireless coverage on the Verizon & T-Mobile 5G and 4G LTE networks. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's US Mobile review

Plans
PlanDataPriceView plan

US Mobile Unlimited Talk & Text

0GB

$8

View Plan

US Mobile 1GB

1GB

$12

View Plan

US Mobile 5GB

5GB

$15

View Plan

US Mobile 12GB

12GB

$20

View Plan

US Mobile 18GB

18GB

$25

View Plan

US Mobile 30GB

30GB

$30

View Plan

US Mobile Unlimited Data

Unlimited

$45

View Plan

Free Starter Kit with code: MSPUSM

Review
4.5

Pros

  • Flexible, no contract plans

  • 24/7 customer service

  • 5G coverage available

Cons

  • No international calling

  • Phone selection

Benefits

  • Coverage on either the T-Mobile or Verizon network

  • Risk-free trial: Full refund within 14 days or before 1000 talk, text, or MB's is used

  • Prepaid - no contract, credit check, or activation fee

  • Bring your own GSM or CDMA phone or choose from a small selection of phones for sale

  • Keep your own phone number

  • Mobile hotspot use available as add-on option with unlimited data plans

  • International roaming plans available with eSIMs

  • Add-ons available for talk, text, and data, with rollover

  • 24/7 customer support

Best cell phone plan under $40 for 5G coverage

Ultra Mobile SIM Card - Ultra Mobile 2GB $14/moUltra Mobile SIM Card - Ultra Mobile 2GB $14/mo
Minutes
Unlimited
Texts
Unlimited
Data
2GB
Price
$14/mo** $168 for 12 Months Service
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Ultra Mobile 2GB plan includes unlimited mins, unlimited texts and 2GB data for only $14 per month. Ultra Mobile plans offer wireless coverage on the T-Mobile 5G and 4G LTE network. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Ultra Mobile review

Plans
PlanDataPriceView plan

Ultra Mobile 250MB - 12 Mths

0.25GB

$10*

* $120 for 12 Months Service
View Plan

Ultra Mobile 2GB - 12 Mths

2GB

$14*

* $168 for 12 Months Service
View Plan

Ultra Mobile 3GB - 12 Mths

3GB

$20*

* $240 for 12 Months Service
View Plan

Ultra Mobile 6GB - 12 Mths

6GB

$25*

* $300 for 12 Months Service
View Plan

Ultra Mobile 15GB - 12 Mths

15GB

$30*

* $360 for 12 Months Service
View Plan

Ultra Mobile Unlimited Data - 12 Mths

Unlimited

$40*

* $480 for 12 Months Service
View Plan
Review
3.5

Pros

  • Simple account dashboard

  • Unlimited international talk and text

  • Nationwide coverage

Cons

  • Customer service

Benefits

  • Coverage provided on the nationwide T-Mobile network

  • Prepaid service - no contract, credit check, or activation fee

  • Bring your own compatible GSM phone or buy one from Ultra Mobile

  • Mobile hotspot use supported

  • Unlimited global texting and unlimited calling to 80+ countries

  • International roaming credits available in $5, $10, or $20 denominations

  • International plan tier comes with uTalk - a feature that gives you up to 1250 bonus minutes to your choice of 39 additional destinations

  • Customer service available by phone, email, and chat from 6am to 6pm every day

Best cell phone plan under $40 for seniors

Twigby SIM Card - Twigby 3GB $10/moTwigby SIM Card - Twigby 3GB $10/mo
Minutes
Unlimited
Texts
Unlimited
Data
3GB
Price
$10/mo** 50% Off for 6 Months
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Twigby 3GB plan includes unlimited mins, unlimited texts and 3GB data for only $10 per month. Twigby plans offer wireless coverage on the Verizon 5G and 4G LTE network. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Twigby review

Plans
PlanDataPriceView plan

Twigby Unlimited Talk & Text

0GB

$6.50*

* 50% Off for 6 Months
View Plan

Twigby 3GB Data

3GB

$10*

* 50% Off for 6 Months
View Plan

Twigby 1GB Data

1GB

$9.50*

* 50% Off for 6 Months
View Plan

Twigby 5GB Data

5GB

$12.50*

* 50% Off for 6 Months
View Plan

Twigby 10GB Data

10GB

$17.50*

* 50% Off for 6 Months
View Plan
Review
4.5

Pros

  • No hotspot/tethering charges

  • International calling and texting

  • 4G LTE coverage

  • Exclusive deals and discounts as a Twigby customer

Cons

  • Limited handset selection

  • Not for the data hungry

Benefits

  • Runs on both the Verizon and Sprint networks

  • 30-day money-back satisfaction guarantee on phones and plans (under 300 minutes, 300 texts, or 300 MB of data used)

  • Prepaid - no contracts, credit checks, or activation fees

  • Bring your CDMA device or choose from a modest selection of Twigby phones

  • Keep your own phone number

  • Use your phone and plan data as a mobile hotspot

  • Use your plan minutes to call Canada, China, and Mexico

  • Free international texting to over 180 countries

  • US-based chat support available weekdays 7am to 9pm CST and 10am to 6pm on weekends

Best cell phone plan under $40 for kids

Red Pocket SIM Card - Red Pocket 500MB $10/moRed Pocket SIM Card - Red Pocket 500MB $10/mo
Minutes
500
Texts
500
Data
500MB
Price
$10/mo
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Red Pocket 500MB plan includes 500 mins, 500 texts and 500MB data for only $10 per month. Red Pocket plans offer wireless coverage on the AT&T, Verizon & T-Mobile 5G and 4G LTE networks. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Red Pocket review

Plans
PlanDataPriceView plan

Red Pocket 500MB

0.50GB

$10

View Plan

Red Pocket 3GB - 12 Mths

3GB

$15*

* $180 for 12 Months Service
View Plan

Red Pocket 3GB

3GB

$20

View Plan

Red Pocket 10GB - 12 Mths

10GB

$22.50*

* $270 for 12 Months Service
View Plan

Red Pocket 25GB - 12 Mths

25GB

$30*

* $360 for 12 Months Service
View Plan

Red Pocket 10GB

10GB

$30

View Plan

Red Pocket 100GB - 12 Mths

100GB

$37.50*

* $450 for 12 Months Service
View Plan

Red Pocket 25GB

25GB

$40

View Plan

Red Pocket 100GB

100GB

$50

View Plan
Review
4.5

Pros

  • Nationwide coverage

  • No contracts

  • Latest selection of phones

Cons

  • Account dashboard needs work

  • No 0% financing options on latest phones

  • Customer service

Benefits

  • Operates on all four networks - AT&T, T-Mobile, Sprint, and Verizon

  • Prepaid cell phone plans - no contract, credit check, or activation fees

  • Bring your own GSM or CDMA device and keep your phone number

  • Mobile hotspot/tethering allowed with your plan data

  • Free international calling to 70+ countries

  • Customer service available in English, Chinese, Filipino, and Spanish via chat or phone

Best cell phone plan under $40 for one

Good2Go Mobile SIM Card - Good2Go Mobile 3GB $12.50/moGood2Go Mobile SIM Card - Good2Go Mobile 3GB $12.50/mo
Minutes
Unlimited
Texts
Unlimited
Data
3GB
Price
$12.50/mo** 50% Off for 3 Months
Powered by:

Good2Go Mobile 3GB plan includes unlimited mins, unlimited texts and 3GB data for only $12.50 per month. Good2Go Mobile plans offer wireless coverage on the AT&T & T-Mobile 5G and 4G LTE networks. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Good2Go Mobile review

Plans
PlanDataPriceView plan

Good2Go Mobile 1GB

1GB

$10*

* 50% Off for 3 Months
View Plan

Good2Go Mobile Unlimited Talk & Text

0GB

$10

View Plan

Good2Go Mobile 3GB

3GB

$12.50*

* 50% Off for 3 Months
View Plan

Good2Go Mobile 6GB

6GB

$17.50*

* 50% Off for 3 Months
View Plan

Good2Go Mobile 10GB

10GB

$40

View Plan

Good2Go Mobile 20GB

20GB

$50

View Plan
Review
4

Pros

  • 4G LTE coverage

  • No contract

  • No credit checks

Cons

  • No unlimited data options

  • No app interface

Benefits

  • Coverage on the nationwide AT&T & T-Mobile networks

  • Prepaid cell phone plans - no contract, credit check, or activation fee

  • Bring your own phone or buy a Good2Go Mobile phone

  • Mobile hotspot/tethering not supported

  • International calling to over 60 countries available as affordable plan add-on; calling to other countries via add-on calling card

  • Customer service available by phone 7am - 1am EST every day

Cell phone plans under $40 in 2022

Check Carrier Coverage

$40 phone plan benefits

  • Same great nationwide coverage: Operating on the very same networks as the big guys, alternative cell phone carriers give you the coverage you can rely on.
  • Much lower prices: Save up to $600 per year on your cell phone plan. How come MVNOs are cheaper? They don't have the huge overhead and advertising costs the big guys do.
  • No contracts: You can forget getting stuck in a two-year agreement. You decide when to switch carriers with a no contract phone plan.
  • Same cell phone service: You may be paying less, but this doesn't mean you're sacrificing great features. You can find unlimited everything plans easily. Usually, a no contract cell phone plan comes with unlimited talk and text as standard, high speed data, and mobile hotspot data features.
  • Keep your phone and number: Bring your own phone, keep your phone number and cut out pricey device payments.
  • Customize your plan: There's a huge amount of choice. Decide how much data you need, opt for unlimited or no data, unlimited data plans come at a much better price with an alternative carrier. Choose to pay as you go, minimal minutes, or unlimited talk text and data. You can pick a plan to fit your budget and your usage - not one your carrier says you need.
  • Great customer support: Happy customers are what smaller mobile providers want. And they're known for giving them their full attention. You can forget feeling like an anonymous number, lost in the crowd.

Best T-Mobile plan under $40

Mint Mobile 4GB plan* Buy 3 Months Get 1 Free

Unlimitedmins

Unlimitedtexts

4GB

4G/5G data

$15/mo*

$3.75 per GB

Powered by: T-Mobile

T-Mobile vs Mint Mobile comparison

Keep your T-Mobile phone, number & coverage: Save $660 per year

CarrierNetwork Coverage4G/5G DataPriceAnnual Cost
T-MobileT-Mobile 4G & 5GUnltd*$70/mo$840/yr
Mint MobileT-Mobile 4G & 5G4GB$15/mo$180/yr
*Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$55/mo$660/yr

Compare: T-Mobile $40 phone plans


Best Verizon plan under $40

US Mobile 5GB planFree Starter Kit with code: MSPUSM

Unlimitedmins

Unlimitedtexts

5GB

4G/5G data

$15/mo

$3.00 per GB

Powered by: Verizon & T-Mobile

Verizon vs US Mobile comparison

Keep your Verizon phone, number & coverage: Save $780 per year

CarrierNetwork Coverage4G/5G DataPriceAnnual Cost
VerizonVerizon 4G & 5GUnltd*$80/mo$960/yr
US MobileVerizon 4G & 5G5GB$15/mo$180/yr
*Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$65/mo$780/yr

Compare: Verizon $40 phone plans


Best phone plan under $40 on AT&T

Good2Go Mobile 3GB plan* 50% Off for 3 Months

Unlimitedmins

Unlimitedtexts

3GB

4G/5G data

$12.50/mo*

$25/mo

$8.33 per GB

Powered by: AT&T & T-Mobile

AT&T vs Good2Go Mobile comparison

Keep your AT&T phone, number & coverage: Save $637 per year

CarrierNetwork Coverage4G/5G DataPriceAnnual Cost
AT&TAT&T 4G & 5GUnltd*$75/mo$900/yr
Good2Go MobileAT&T 4G & 5G3GB$25/mo$263/yr
*Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$50/mo$637/yr

Compare: cheapest AT&T phone plans


$40 phone plan features

  • 4G LTE & 5G data speeds: MVNOs operate on the big cellular networks, so you pay less without sacrificing speed. As the big networks roll out 5G, more smaller carriers are able to offer 5G coverage too. So you can expect the same high-speed data.
  • Unlimited talk and text messaging: It's never been easier to find a new unlimited plan. Pretty much all no contract carriers include unlimited text and calls as standard with plans. Compare cheap talk and text plans with or without data.
  • International calls to Canada and Mexico: Keeping in touch with loved ones around the world has never felt more important, making international calling a must-havefeature. Luckily MVNOs offer some of the best international phone plans, including free calling to countries like Canada and Mexico, plus discounted rates or affordable add ons for other countries.
  • Multiline discounts: If you're used to your multi-line plan, low-cost carriers have got you. They offer the cheapest family cell phone plans out there. With many, you'll get a multi-line discount for each line addded.
  • Wi-Fi calling: If you're stuck for signal, or out of your service area when out and about, you can still make calls using this feature. With this feature calls are made over the internet instead of your cellular connection.
  • Tethering/hotspot data: Many low-cost carriers allow you to turn your phone into a hotspot and get another device online. Pick an MVNO with the best mobile hotspot plans and share your mobile hotspot data with other devices.
  • HD video streaming: Just like the big guys, some of these alternative carriers offer HD video streaming and some don't. Our articles cover which features do and don't come with a plan.

$40 cell phone plans

CarrierNetworkMinutesTextsDataPrice
Reach MobileT-MobileUnltdUnltd2GB$10** $10 Off First 3 Months
TwigbyVerizonUnltdUnltd5GB$12.50** 50% Off for 6 Months
Mint MobileT-MobileUnltdUnltd10GB$20** Buy 3 Months Get 1 Free
US MobileVerizon & T-MobileUnltdUnltd18GB$25Free Starter Kit with code: MSPUSM
Mint MobileT-MobileUnltdUnltdUnltd$30** Buy 3 Months Get 1 Free

Carrier network coverage

NETWORKOVERALLRELIABILITYSPEEDDATACALL
Verizon Coverage9596949694
AT&T Coverage9494959692
T-Mobile Coverage8688828982

Source: Rootmetrics

Find Cheap Cell Phone Plans in Your Area

Carrier customer service comparison

CARRIERTRUSTPILOT USER RATING
Reach Mobile4.9
Tello4.6
US Mobile4.6
T-Mobile1.5
Verizon1.3
AT&T1.2

$40 phone plan types

  • Basic plans: Only use a cell phone to make a few calls, send a couple of messages and rarely go online? Opt for a simply prepaid plan. You get basic cell phone functions, an allowance for minutes of talk, and around 2GB of data. If you run out of anything, it's usually very easy to add on more.
  • Family plans: If you're used to a plan giving you four lines or more, most MVNOs also offer group plans. Compare the cheapest family phone plans.
  • Bring your own device plans: BYOD plans are the norm with smaller carriers. Compare cell phone prices and get a great deal to go with your cheap cell phone plan.
  • Single line plans: You don't have to pay a premium rate for one line. In fact, people switching from a multi line plan find it's cheaper to switch to single line plans from an MVNO. Find the best phone plans for individuals.
  • Talk and text only plans: Do you (or a loved one) need a basic phone plan? If you don't need data, these plans are ideal. Compare cheap talk and text plans and save a ton of money opting out of data.
  • Tablet plans: It's not just no contract cell phone plans you'll find from these carriers. Find the cheapest data plan for your tablet or iPad.
  • Kids plans: MVNOs offer the best phone plans for kids. You can manage the plan to include exactly what you want your child to have.
  • Senior plans: Senior citizens often have different cell phone needs. Compare cheap cell phone plans for seniors and find the perfect match.

$40 phone carriers list

AT&T MVNOsVerizon MVNOsT-Mobile MVNOs
Red PocketUS MobileBoost Mobile
PureTalkRed PocketUS Mobile
Unreal MobileTwigbyUltra Mobile
Good2Go MobileReach MobileTello
H2O WirelessSpectrum MobileRed Pocket
Straight TalkPage Plus CellularMint Mobile
TracfoneTotal WirelessConsumer Cellular
Kroger WirelessXfinity MobileGoSmart Mobile
easyGO WirelessAffinity CellularRepublic Wireless
Optimum MobileLivelySimple Mobile
FreedompopWalmart Family MobileLycamobile
TingSelectel Wireless
Gen Mobile
Wing
easyGO Wireless
Speedtalk Mobile

Recap

Plans direct from Verizon, T-Mobile, and AT&T are expensive, but with low-cost carriers that are powered by the same network you could save up to $600 a year on your cell phone bill.

With a range of plans at $40 or under there's something for all needs and budgets.

MVNOs offer prepaid plans, so there are no more long-term commitments and you can change your plan or cancel and switch if your needs of finances change.

CarrierBest for...MinsTextsDataPrice
Tello SIM Card - Best cell phone plan under $40 for prepaidTelloBest prepaid planUnlimitedUnlimited1GB$10/mo
US Mobile SIM Card - Best cell phone plan under $40 for familiesUS MobileBest family planUnlimitedUnlimited5GB$15/mo
Ultra Mobile SIM Card - Best cell phone plan under $40 for 5G coverageUltra MobileBest 5G planUnlimitedUnlimited2GB$14/mo
Twigby SIM Card - Best cell phone plan under $40 for seniorsTwigbyBest senior planUnlimitedUnlimited3GB$20/mo
Red Pocket SIM Card - Best cell phone plan under $40 for kidsRed PocketBest kids plan500500500MB$10/mo
Good2Go Mobile SIM Card - Best cell phone plan under $40 for oneGood2Go MobileBest individual planUnlimitedUnlimited3GB$25/mo
Rob Webber
Rob Webber

Rob has 15+ years experience in the US and UK running price comparison sites for cell phone plans, smartphone deals, TV, and internet. He loves thinking outside of the box to build tools that empower consumers to make more informed decisions.