It depends on which phone you choose and what promotions are going on when your lease ends. I just upgraded from a Note8 to a Note9 that was flex lease. The promotion going at the time was zero initial cost with new monthly payments. I only had to pay the sales tax at the time of purchase which in my case was $58. It was very painless to activate the new phone, transfer all of my info to the Note9 and send the Note8 back to Sprint. As your lease is nearing the end, just watch the various specials being offered. Usually an upgrade is offered a couple of months prior to lease ending.