Thomas Gryta and Ryan Knudson, writing for the Wall Street Journal, lay out the complex maze of upgrade options should you choose to buy in to a new iPhone.

The new phone isn’t expected to include many major changes, but the days of the $200 upfront payment for the latest model are mostly over. Consumers now have a dizzying array of options for getting the new device, even if they aren’t thinking about switching wireless carriers.

Sprint Corp. and T-Mobile US Inc. have leasing plans that can run as low as $15 a month. Verizon Communications Inc. recently stopped offering contract plans to new customers and expects that about 60% of its smartphone sales in the third quarter will be on installment purchase plans, up from 18% in the second quarter of 2014. AT&T Inc. sold 68% of its iPhones on installment plans for the three months ended June 30.

Customers who have contracts and don’t want to switch carriers generally can still upgrade their iPhone for $200 at AT&T, Sprint or Verizon. T-Mobile doesn’t offer contracts at all. But installment plans and leasing options will be upfront in the marketing around Apple’s newest device this fall.

The carriers advertise the installment plans as money-saving, but the differences can be small. At AT&T, for instance, a 24-month installment plan for a single smartphone with 5 gigabytes of data a month costs about $2,448. With a two-year contract plan, the cost of that phone with data is about $2,359, not including taxes and fees.

The array of options is truly dizzying. Read on for more details. Here’s a link to an accompanying infographic that helps make some sense from the madness.