Abstract: An improved apparatus and method for comparing a plurality of rate plans on a net—net basis comprising a computer having a database, the database comprising rate plan characteristics for a plurality of rate plans; an input terminal operatively connected to the computer for entering data; a comparison program executing within the computer for comparing rate plans using the entered data; and an output terminal operatively connected to the computer for reporting the results of the comparison program is used to allow consumers to obtain true net cost comparisons of from a plurality of service plans from one or more service providers. Data are obtained from historical data or theorized and then normalized into appropriate per-second, per-block, or other categories for comparison for each of a set of categories describing the rate plans.