Arguably the biggest news out of Apple’s exhaustive press conference this morning wasn’t the iPad with a stylus or even the new Apple TV — It was the iPhone 6S pricing. For the first time in history, Apple’s new flagship phones, the iPhone 6S and 6S Plus, won’t be subsidized by all four major U.S. carriers.

Updated on 10-13-2015 by Andy Boxall: Added in revised T-Mobile prices, following the end of its launch promotion.

Sprint, Verizon, T-Mobile, and AT&T have largely moved away from the on-contract discounts of yore to full MSRP pricing. Some have killed discounts and contracts all together. That fact isn’t without its benefits — like cheaper plan pricing — but will undoubtedly lead to sticker shock. That scary $650-and-up off-contract iPhone price is now pretty much standard.

Here’s how to pre-order the iPhone 6S

Read our iPhone 6S hands on review

Gone may be the days of getting Apple’s latest on the relative cheap, but there are other ways to nab a shiny new rose gold iPhone 6S for less than an arm and a leg. Not all carriers have eliminated subsidies entirely, and those that have now offer leasing and monthly installment plans. Even Apple’s jumping aboard the device payment trend: It’s launching an iPhone upgrade plan of its own later this year. But while the ways to acquire a new iPhone may be plentiful, they’re far from easy to navigate.

While a definitive list of every iPhone upgrade avenue is difficult if not impossible to compile, we’ve tried to aggregated the promotions you’re most likely to see online and at your carrier’s brick-and-mortar store. We’ll continue to update the list of plans and special discounts as they’re announced.

T-Mobile’s a bit of a trailblazer in the no-contract arena — it did away with subsidies in 2013. Appropriately, it offers a wide range of device payment choices.

When the iPhone 6S and 6S Plus were announced, T-Mobile offered the pair at extremely competitive prices through its Jump! On Demand program. In mid-October, the promotion ended, and the days of an iPhone 6S for $20 or the iPhone 6S Plus for $24 per month were over.

The new Jump! On Demand program is more expensive. A 16GB iPhone 6S is $27 per month, and an iPhone 6S Plus with 16GB is now $31. There are some alterations regarding T-Mobile’s old phone trade-in prices too, with the iPhone 5S, Galaxy S5 and Note 4 all becoming less valuable, and now resulting in a $15 per month price for the iPhone 6S rather than $10 under the old scheme.

T-Mobile offers the iPhone 6S for outright purchase, too, but also a several-month payment plan. T-Mobile’s standard Jump! program runs anywhere between $27 to $32 per month (24 months) for high-end phones, and the basic 16GB iPhone 6S fits neatly into this at $27 with nothing to pay upfront.

General iPhone 6S and 6S Plus preorders start on Sept. 12 at midnight PDT and sales come a bit later in the month, on Sept. 25.

If any of those options are too rich for your blood, though, you can now get older iPhones for a smidge less. The iPhone 6 Plus now starts at $200 on contract (or $650 outright), a $100 reduction; the iPhone 6 is now $100 ($550); and the iPhone 5S is free ($450).

The monthly options are now cheaper, too. On 24-month payment plans, you can now get the iPhone 6 Plus for $27 per month, the iPhone 6 for $23 per month, and the iPhone 5S for $19 per month.

Previous updates:

Updated on 09-11-15 by Kyle Wiggers: Added Sprint’s promotional leasing rates.

Updated on 09-11-15 by Robert Nazarian: Updated AT&T pricing.

Updated on 09-12-15 by Robert Nazarian: Updated Verizon Wireless pricing.