T-Mobile USA, long trailing its rivals in the cellphone industry, is trying to catch up by changing the conversation: it is selling the iPhone cheaper than the competition, and most important, customers would not have to sign a contract. But it may not be enough to persuade smartphone users to abandon the competition.

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Analysts said the new marketing strategy, which spreads the cost of a new phone over two years as a separate line item on the monthly bill, will still feel like a commitment to many customers, even if they can choose to pay it off early and walk away. And T-Mobile, which has a slower network than its competitors, is only just beginning to introduce major upgrades. Other new smartphones, like the Samsung Galaxy S 4 and the BlackBerry Z10, will be available with similar payment plans.

For several years, T-Mobile, the No. Now that T-Mobile has landed a deal with Apple and turned on its new fourth-generation network, LTE, in seven cities, the company is hoping to mount a comeback. We also accounted for the price of the device itself and calculated the total cost of ownership over the course of two years. In our scenario, we wanted unlimited voice minutes, unlimited text messages and at least 4GB of data per month.

We did not account for taxes or activation fees, which vary depending on location. Sprint Simply Everything.

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• I’m Falling Out Of Love With T-Mobile.

Verizon Share Everything. T-Mobile Simple Choice Unlimited. There are a few caveats with T-Mobile's plan.

For instance, the unlimited plan only includes MB of data for using your phone as a mobile hotspot. CNNMoney Sponsors.

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