People love the term tab and hate the word contract, but there's no difference. For those on your most expensive plan ($75/month), their balance will be clean after 20 months. For those like me ($56/month), the balance will be zero after 27 months. On a $50 plan, it'll take 30 months. Every other plan will take longer than 3 years to pay off (and it's not like we're getting any major subsidies here). $39 = 39 months $35 = 43 months $25 = 60 months $20 (no longer offered, but it was at one point) = 75 months My wife's tab will be clean 60 months (5 YEARS) after the date she signed up (we were aware of this, so this is not a surprise). I can see why Koodo prefers the term tab to "3-year contract". Half of the offered plans will take longer than 3 years to pay off. My solution is simple. Do what WIND does. Wipe the tab balance clean after three years, if not paid off sooner.