How to Choose a Smartphone Without Overpaying

New phones arrive every year with bigger numbers and bolder claims. Most people will be happy with a model that gets the basics right, and some of the best-value choices are not the newest.

Set a budget and priorities

Decide what you can spend, and then list the three things that matter most: camera, battery life, performance, screen size or price.

Operating system

Android and iOS both work well. Consider the apps you use, what your family and friends use, and whether you already own accessories or a watch that works with one platform.

What to look at

• Software updates: how many years of security updates does the maker promise?
• Battery: real-world reviews matter more than the capacity number.
• Camera: compare sample photos in low light, not only megapixels.
• Screen: brightness, smoothness and size you find comfortable.
• Storage: 128 GB is enough for many people if you use cloud backup.
• Performance: a mid-range chip handles everyday tasks well.

Consider last year's models

Previous generations often drop in price and are nearly as good. Certified refurbished phones with a warranty are another way to save.

Check the details

Look at the return policy, the warranty and whether the phone works with your carrier's network bands.

Protect your purchase

A case and screen protector cost little compared with a repair. Choose with care, and your phone should serve you well for years.