T-Mobile’s 5G home internet starts at $35 a month when you bundle, or $50 standalone — but the plan you pick now matters more than it used to. A speed cap quietly arrived on the entry plan. Prices crept up $5 across the board. And the 5-Year Price Guarantee that makes T-Mobile compelling has a short list of things it doesn’t actually cover. Here’s what’s true, what changed, and whether it’s worth it for your household.
T-Mobile entered the home internet market to disrupt it — no contracts, no technicians, no price hikes that ambush you a year in. That promise mostly holds in practice. But the product has gotten more layered since its simple single-tier days. Three plans with meaningful differences, a new speed cap on the cheapest option, and pricing that shifts depending on whether you already pay T-Mobile for your phone — all of it requires a closer look before you commit.
This guide covers what the plans actually cost in 2026, what changed and when, what the price guarantee does and doesn’t protect, and the specific questions worth asking before you activate.
The questions people type when comparing plans or deciding whether to switch. Answered directly, with the detail that actually helps.
It depends on two things: which plan you choose and whether you bundle with a T-Mobile mobile line. The Rely plan — the entry tier — costs $50/month standalone (with AutoPay) or $35/month if you add a qualifying T-Mobile voice line ($15 monthly bill credit). The Amplified plan runs $60 standalone or $45 with a voice line bundle. The All-In plan is $70 standalone or $55 bundled. AutoPay is required to get these rates — the $5/month AutoPay discount now only applies to bank account or debit card AutoPay; credit cards no longer qualify on newer plan structures. All prices are before taxes and local fees, which typically add $1–$5/month depending on your municipality.
Three things separate the tiers: speed ceiling, gateway hardware, and included perks. The Rely plan now carries a hard 354 Mbps download cap (enforced at the network level, not a “typical” speed — this is a technical ceiling). The Amplified and All-In plans are uncapped, with typical speeds of 170–498 Mbps and no hard maximum. Amplified and All-In also come with a Wi-Fi 7 gateway (faster, wider range) instead of the standard 5G gateway included with Rely. All-In adds Hulu (With Ads), Paramount+ Essential, 24/7 live tech support, a mesh Wi-Fi extender, and a hardware upgrade after three years. Amplified now includes 24/7 tech support and cybersecurity protection as of early 2026. All three tiers have unlimited data, no contracts, and the 5-Year Price Guarantee.
It’s real, but read the fine print before calling it ironclad. The guarantee locks your base monthly data rate for at least five years from the day you activate — meaning T-Mobile won’t raise the $50 or $60 or $70 plan rate itself. What it does not cover: taxes and local government fees (which can change), voluntary equipment or speed upgrades, future wireless generation charges (e.g., a potential 6G tier), select limited-time promotional prices, and network management practices. It also resets or is affected if you change plans voluntarily. For practical purposes: the number on your plan page is safe for five years. Your total bill — after taxes — can still edge up slightly if local fees change. That’s still meaningfully better than cable, where the introductory rate often doubles after 12 months with zero notice.
No data caps, no overage charges — you can use as much data as your household needs each month at no extra cost. However, there is a deprioritization threshold: Rely plan customers who use more than 1.2TB in a month may experience reduced speeds during network congestion periods, as other customers are given priority. The Amplified and All-In plans carry higher network priority, meaning they’re less affected during peak congestion hours. For reference, 1.2TB supports roughly 400 hours of 4K streaming or 600+ hours of HD — the vast majority of households never approach that threshold. Heavy data users (game streamers, large households with multiple 4K TVs running simultaneously) may want to factor this into their plan choice.
T-Mobile offers a 15-day worry-free trial. If performance at your specific address is unsatisfactory — which can happen based on tower proximity and local signal conditions — you can return the gateway within 15 days for a full refund. This is an important safety net because 5G fixed wireless performance varies more by address than cable or fiber does; what works great at your neighbor’s house might be weaker at yours due to building materials, obstructions, or tower load. The gateway ships free and self-installs — no technician visit, no installation fee. If you return it, the return shipping is also covered. The 15-day window starts from when you activate the line, not when the hardware arrives.
Yes — two notable changes happened in 2026. First, prices rose by $5/month across all three tiers (Rely went from $45 to $50 standalone; Amplified from $55 to $60; All-In from $65 to $70). Second, and more consequential for new customers: the Rely plan received a hard 354 Mbps download speed cap in June 2026 — the first time T-Mobile has imposed an artificial speed ceiling in over a decade. Existing Rely customers who activated before June 2026 are grandfathered in at uncapped speeds. New customers on Rely are subject to the cap. The Amplified and All-In plans are unchanged in terms of speed structure. If you currently have legacy Rely service, there is no reason to change plans — you retain the better speed access at your existing rate.
For most households, T-Mobile is cheaper — often by $20–$50/month when you factor in the total cost of cable. A typical Xfinity or Spectrum plan at comparable speeds costs $55–$80/month introductory, then jumps to $80–$115/month after the 12-month promotional period ends. Add equipment rental ($15–$20/month is common) and you’re at $95–$135/month in year two. T-Mobile’s $50 Rely plan has no equipment rental fee (the gateway is included), no introductory-then-jump pricing, and the base rate is locked for five years. The honest caveat: cable internet is generally more consistent in performance. A 5G fixed wireless signal can vary more by time of day, tower load, and physical obstructions. For most light-to-moderate users, that variability is rarely noticeable in practice — but for households running a home office on video calls all day, it’s worth knowing.
Three tiers with real differences between them. The cheapest is fine for most households. The question is whether the new speed cap matters for yours — and whether the All-In streaming bundle is worth paying for separately.
The Rely plan is T-Mobile’s entry-level home internet option — and for most American households, it’s more than enough. Speeds top out at a hard 354 Mbps download ceiling (enforced at the network level, not just a typical range). That’s enough for simultaneous 4K streaming on multiple TVs, video calls, gaming, and general browsing without any issue. The hard cap is new as of June 2026 and only affects new subscribers — if you were on legacy Rely before that date, you’re grandfathered at uncapped speeds. No contract. No data cap. Unlimited data. Free self-install. The included gateway is a 5G router (not Wi-Fi 7), which works well in most home sizes up to about 2,000 square feet. Larger homes may benefit from Amplified or All-In’s Wi-Fi 7 hardware.
Amplified removes the speed ceiling entirely — typical download speeds run 170–498 Mbps with no hard maximum, and Amplified customers get higher network priority than Rely during congestion. The bigger upgrade is hardware: Amplified includes T-Mobile’s Wi-Fi 7 gateway, which delivers roughly 30% faster median speeds within your home and significantly better range in larger spaces. As of early 2026, Amplified also includes 24/7 live tech support and advanced cybersecurity protection (malicious site blocking, device threat alerts) — previously All-In exclusives. At $10 more than Rely, Amplified is the cleaner choice for households with more than four active devices, a large home, remote work dependencies, or anyone who games or streams in 4K across multiple screens simultaneously.
All-In is T-Mobile’s full-featured tier — same uncapped speeds and Wi-Fi 7 gateway as Amplified, plus a meaningful bundle of extras that can offset the $10 premium depending on your household. Included at no extra cost: Hulu (With Ads) ($7.99/month if purchased separately) and Paramount+ Essential ($5.99/month separately). The TechEdge Suite adds a Wi-Fi 7 mesh extender for whole-home coverage, 24/7 live tech support, a hardware upgrade after three years, and advanced cybersecurity. If you’d subscribe to Hulu and Paramount+ anyway, All-In’s $10 premium over Amplified effectively pays for itself — you’re getting $14/month of streaming services included. The mesh extender is worth noting for homes over 2,500 square feet where a single gateway leaves dead zones.
All three tiers carry unlimited data, no contract, free equipment, and the 5-Year Price Lock. Here’s where they actually differ.
| Feature | Rely | Amplified | All-In |
|---|---|---|---|
| Standalone price (AutoPay) | $50/mo | $60/mo | $70/mo |
| With T-Mobile voice line bundle | $35/mo | $45/mo | $55/mo |
| Download speed | Up to 354 Mbps (hard cap) | 170–498 Mbps (uncapped) | 170–498 Mbps (uncapped) |
| Upload speed (typical) | 12–55 Mbps | 12–55 Mbps | 12–55 Mbps |
| Gateway hardware | 5G gateway | Wi-Fi 7 gateway | Wi-Fi 7 gateway + mesh extender |
| Network priority | Standard | Higher | Highest |
| Data cap | None (deprioritized >1.2TB) | None | None |
| 24/7 tech support | — | ✓ Included | ✓ Included |
| Cybersecurity protection | — | ✓ Included | ✓ Included |
| Hulu (With Ads) | — | — | ✓ Included |
| Paramount+ Essential | — | — | ✓ Included |
| Hardware upgrade (3 yrs) | — | — | ✓ Included |
| New line rebate | $100 virtual Mastercard | $100 virtual Mastercard | $200 virtual Mastercard |
| 5-Year Price Lock | ✓ | ✓ | ✓ |
| Contract required | No | No | No |
| Equipment rental fee | $0 | $0 | $0 |
| Installation fee | $0 (self-install) | $0 (self-install) | $0 (self-install) |
| 15-day trial | ✓ | ✓ | ✓ |
T-Mobile’s pricing is more transparent than most ISPs, but your first bill won’t exactly match the advertised rate. Here’s everything that affects what you actually pay.
The rates listed everywhere — $50, $60, $70 — reflect the $5/month AutoPay discount already applied. Without AutoPay, you pay $5 more per month. And the AutoPay discount now applies only to bank account or debit card AutoPay. Credit card AutoPay is no longer eligible for the discount on newer plan enrollments. If you prefer to use a credit card for spending points, you’ll pay $5/month more than the advertised rate.
The $35/month Rely price (the one that appears in advertising) requires an active qualifying T-Mobile postpaid voice line. That line generates a $15/month bill credit applied to your home internet — not a discount on the internet itself, but a credit that reduces your effective monthly charge. If you cancel either the voice line or the internet line, the credit stops immediately and your rate reverts to $50. Credits can take up to two billing cycles to appear after you add the voice line. The credit does not stack across more than two home internet lines per account.
Local government taxes and regulatory fees are billed separately and not included in the plan price. For most households this adds $1–$5/month. The exact amount depends on your municipality, state, and applicable federal regulatory fees. The 5-Year Price Guarantee does not cover taxes and fees — only the base plan rate. If local franchise taxes increase, your bill can edge up even while the plan rate stays fixed.
T-Mobile may present a one-time $35 device connection charge at checkout — this is optional and can sometimes be waived by activating online or through a promotion. Gateway shipping is free. Return shipping during the 15-day trial period is also covered. There is no installation fee — the gateway self-installs in minutes and plugs into any standard outlet.
New customers activating a home internet line currently receive: $100 back via virtual prepaid Mastercard for Rely or Amplified activation, or $200 back for All-In. Register within 30 days of activation. The virtual Mastercard arrives 7–10 weeks after registration, has no cash access, and expires in 6 months — use it online or via accepted mobile payment apps. If you cancelled a T-Mobile internet line in the past 90 days, you may need to reactivate it first to qualify. These amounts and availability are promotional and subject to change.
Combining T-Mobile home internet with a T-Mobile mobile plan is where the pricing gets competitive enough to genuinely change the math on what you pay across your household’s total telecom bill.
Any qualifying T-Mobile postpaid voice line earns a $15/month credit on your home internet. That drops Rely from $50 to $35/month, Amplified from $60 to $45/month, and All-In from $70 to $55/month. For a household already paying T-Mobile for mobile service, this is close to a guaranteed $180/year savings for taking the same internet they’d consider anyway.
For a limited time, T-Mobile offers a $20/month discount (versus the standard $15) for customers who bundle home internet with any T-Mobile 55+ wireless plan. That means eligible customers can get two wireless lines on Essentials Choice 55 plus the Rely Home Internet plan starting at approximately $90/month total with AutoPay — T-Mobile’s own figures show this saves at least 35% compared to comparable AT&T and Verizon bundle packages. The 55+ mobile plan requires at least one account holder to be 55 or older. This offer is limited-time and subject to change; confirm current availability directly at T-Mobile.
T-Mobile periodically offers to cover up to $750 in early termination fees if you’re under contract with another internet provider and want to switch. This has run as a promotional offer alongside the new line rebates. If you’re currently in a contract with Xfinity, Spectrum, Cox, or another ISP, it’s worth checking whether this coverage is active before your contract term ends — it can make switching financially viable even when you’d otherwise have to pay a cancellation penalty.
T-Mobile wins on price and simplicity. Cable often wins on raw consistency. Fiber beats everyone on performance. Knowing which tradeoff matters for your household points you to the right choice faster than any review.
- No annual contracts — cancel any time without a penalty, which cable rarely allows without a fee
- No equipment rental fees — cable ISPs commonly charge $10–$20/month for modem and router rental; T-Mobile includes the gateway free
- No year-two price jump — cable introductory rates often double after 12 months; the 5-Year Price Lock prevents this
- No installation wait — the gateway ships and self-installs in under 15 minutes; cable installations require scheduling a technician visit
- Availability in areas cable and fiber don’t reach — over 50 million U.S. households are eligible for T-Mobile Home Internet, including many rural and suburban addresses underserved by wired options
- Consistency — cable and fiber connections are generally more stable because they’re wired; 5G fixed wireless performance can vary by time of day, tower load, and physical obstructions at your address
- Upload speeds for heavy users — T-Mobile’s typical upload of 12–55 Mbps is fine for most users, but fiber’s symmetrical gigabit upload is valuable for content creators, large file uploads, or videoconference-intensive home offices
- Peak-hour performance — during congestion, Rely plan customers are deprioritized, which can mean slower speeds in the evening hours in dense urban areas
- Gigabit speeds — T-Mobile’s top typical speed of 498 Mbps is solid, but fiber from providers like Google Fiber or AT&T Fiber can deliver 1–2 Gbps for comparable or lower prices in served markets
In CableTV.com’s 2026 Internet Customer Satisfaction Survey of real T-Mobile home internet customers: 80% were satisfied with reliability and 85% were satisfied with speeds — both figures ahead of competing 5G providers and many cable options. T-Mobile home internet also earned J.D. Power’s highest score nationally among wireless internet providers in the 2024–2025 Residential Internet Service Provider Satisfaction Studies. The 15-day trial exists precisely because performance varies by address — use it.
5G fixed wireless performance is highly location-specific. The T-Mobile coverage map shows general availability, but your individual signal strength depends on your distance from the nearest tower, the building materials between you and it, and how many customers share that tower. T-Mobile’s address check at t-mobile.com/home-internet is the first step — but the 15-day trial is the real test. Activate, place the gateway near a window or exterior wall facing the nearest tower, and use the T-Mobile app’s signal meter to optimize placement before deciding.
If you’re getting the $15/month bundle credit and cancel or change your mobile plan, the home internet credit stops immediately — your $35 Rely plan reverts to $50 without warning. The same applies in reverse: canceling home internet doesn’t affect your mobile plan, but it ends any bundle savings. If you’re considering switching mobile carriers for a promotional deal, check whether the savings from the new carrier plus the $15 credit loss math out in your favor before making the change.
Existing Rely customers who activated before June 2026 are grandfathered in at uncapped speeds. If you’re currently on legacy Rely, there is no reason to upgrade to Amplified unless you want the Wi-Fi 7 hardware or the tech support — your speed access is actually better than what new Rely customers receive. Changing your plan to Amplified would start a new plan term and subject you to current pricing; staying on legacy Rely preserves both the old speed access and your existing Price Lock start date.
New line rebates ($100 or $200 via virtual Mastercard) require registration within 30 days of activation. T-Mobile does not send automatic reminders. The rebate card expires six months from issue — it cannot be redeemed for cash and must be used online or via accepted mobile payment apps. Set a calendar reminder the day you activate so the deadline doesn’t slip by unnoticed. The rebate takes approximately 7–10 weeks to arrive after registration.
T-Mobile’s 15-day trial starts when you activate your line, not when the hardware arrives. If performance at your address disappoints — which occasionally happens due to tower distance, signal obstructions, or dense urban congestion — return the gateway within 15 days for a full refund. Both outbound and return shipping are covered. There is no restocking fee. This is a real no-risk window; use it to evaluate actual speeds at your address before committing to the service.
Prices, plan features, and promotional offers are subject to change. All pricing reflects rates with AutoPay (debit card or bank account) as of September 2026. Bundle credit requires qualifying T-Mobile postpaid voice line; credits stop if either line is cancelled. Taxes and regulatory fees are additional. 5-Year Price Lock covers base plan rate only; excludes taxes, fees, and third-party services. Rebate amounts and availability are promotional; subject to eligibility terms. Always verify current pricing and availability at t-mobile.com before activating. Reviewed by Marcus T. Weller, Broadband Policy & Consumer Telecom Analyst. Sources: T-Mobile.com/home-internet, CableTV.com 2026 Price Report (August 2026), TmoNews.com (June 2026), HighSpeedInternet.com (July 2026), TechTimes.com (June 2026), BusinessWire.