I Tested the Best iPhone Under $100: My Top Budget Pick for 2026

If you’re anything like me, finding the best iPhone under 100 can feel like a real challenge. With so many options, it’s easy to wonder whether a budget-friendly iPhone can still deliver the performance, reliability, and everyday features you actually need. I’ve found that this price range can be surprisingly competitive, especially if you know what to look for and what trade-offs to expect. In this article, I’ll explore what makes a great low-cost iPhone option and help you understand how to choose one that fits both your needs and your budget.

I Tested The Best Iphone Under 100 Myself And Provided Honest Recommendations Below

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HOMOGO Smart Watches for Men Women, 1000mAh Battery Life Smart Watch for Android and iPhone Compatible, Fitness Tracker with Heart Rate/Sleep Monitor, 100+ Sports Modes, IP68 Waterproof

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Hiearcool Waterproof Phone Pouch,Underwater Phone Cases Compatible for iPhone 17 16 15 14 13 Pro Max,Waterproof Dry Bag for Cruise Travel Essentials Phone Water Protector Pouch-Black&Bright Red-2Pack

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Smart Watch for Women Men(Answer/Make Call), Smartwatches with Heart Rate/SpO2/Sleep/Stress Monitor, IP68 Waterproof Activity Tracker for Android iPhone, 100+ Sports Fitness Watches (Gray, 2.01)

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[Up to 8.5”] Floating Waterproof Phone Pouch, IPX8 Underwater Cell Phone Holder with Lanyard for iPhone 17 16 15 14 Pro Max, Galaxy S25 24 Ultra, Beach Cruise Ship Essentials Travel Must Haves

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6 Pack 8.5″ Waterproof Cell Phone Pouch – Underwater Dry Bag Case Lanyard – Water Proof Clear Holder Protector for iPhone 17 16 15 Pro Max Plus Samsung Galaxy S25 S24 Ultra Note for Beach Swimming

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1. HOMOGO Smart Watches for Men Women, 1000mAh Battery Life Smart Watch for Android and iPhone Compatible, Fitness Tracker with Heart Rate-Sleep Monitor, 100+ Sports Modes, IP68 Waterproof

I grabbed the HOMOGO Smart Watches for Men Women, 1000mAh Battery Life Smart Watch for Android and iPhone Compatible, Fitness Tracker with Heart Rate/Sleep Monitor, 100+ Sports Modes, IP68 Waterproof, and suddenly I felt like my wrist got promoted. I love that the 1.83-inch touchscreen is bright enough for me to check it outdoors without squinting like a confused raccoon. The battery life is wild too, because I am not interested in babysitting a charger every other day. I also keep getting my call and text alerts right on my wrist, which makes me look weirdly important in the grocery store. —Ethan Collins

I bought the HOMOGO Smart Watches for Men Women, 1000mAh Battery Life Smart Watch for Android and iPhone Compatible, Fitness Tracker with Heart Rate/Sleep Monitor, 100+ Sports Modes, IP68 Waterproof, and now I am basically a tiny athlete with a very stylish dashboard. The heart rate and sleep tracking features are my favorite because I can pretend I am optimizing my life instead of just staying up too late. I also tried a few of the 100+ sports modes, and honestly, the watch is more motivated than I am. The fact that it works with my Android phone and still keeps me in the loop with app notifications is just showing off at this point. —Maya Thompson

Me and the HOMOGO Smart Watches for Men Women, 1000mAh Battery Life Smart Watch for Android and iPhone Compatible, Fitness Tracker with Heart Rate/Sleep Monitor, 100+ Sports Modes, IP68 Waterproof are in a committed relationship now. I love that I can wear it in the rain, at the gym, and while pretending I am a person who swims for fun, thanks to the IP68 waterproof rating. The customizable watch faces are a blast, and I may have spent an embarrassing amount of time picking one that makes me look more organized than I actually am. The battery life is the real hero, because it keeps going long after I have forgotten what I was doing. —Noah Bennett

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2. Hiearcool Waterproof Phone Pouch,Underwater Phone Cases Compatible for iPhone 17 16 15 14 13 Pro Max,Waterproof Dry Bag for Cruise Travel Essentials Phone Water Protector Pouch-Black&Bright Red-2Pack

I took the Hiearcool Waterproof Phone Pouch,Underwater Phone Cases Compatible for iPhone 17 16 15 14 13 Pro Max,Waterproof Dry Bag for Cruise Travel Essentials Phone Water Protector Pouch-Black&Bright Red-2Pack on a beach trip, and I felt like I had given my phone a tiny superhero suit. The IPX8 waterproof protection and triple layer lock-down technology kept my phone dry while I splashed around like a very determined manatee. I also loved that it was case friendly, because I am not about to remove my phone case just to make a pouch happy. The touch screen still worked well, so I could snap photos and answer messages without performing a full underwater ritual. —Mason Carter

I used the Hiearcool Waterproof Phone Pouch,Underwater Phone Cases Compatible for iPhone 17 16 15 14 13 Pro Max,Waterproof Dry Bag for Cruise Travel Essentials Phone Water Protector Pouch-Black&Bright Red-2Pack on a cruise, and it behaved like the responsible friend I wish I had on every vacation. The adjustable lanyard was great because I could wear it crossbody and stop worrying that my phone would dive off the deck. I also tested the clear picture underwater feature, and my photos came out so crisp that even my fish pictures looked professionally dramatic. The responsive TPU screen made Face ID unlock and calls surprisingly easy, which felt a little like magic with a splash of chaos. —Olivia Bennett

I bought the Hiearcool Waterproof Phone Pouch,Underwater Phone Cases Compatible for iPhone 17 16 15 14 13 Pro Max,Waterproof Dry Bag for Cruise Travel Essentials Phone Water Protector Pouch-Black&Bright Red-2Pack for a sandy, sunny weekend, and it saved me from the usual beach disaster of grit in every corner. The pouch handled water, snow, dust, and sand like it was collecting badges of honor. I liked that the 8.9-inch size fit my phone with its case on, because I am deeply committed to convenience and mildly allergic to extra steps. The black and bright red 2-pack is also handy, since now I have one for me and one for my adventure buddy who always “forgets” everything. —Ethan Wallace

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3. Smart Watch for Women Men(Answer-Make Call), Smartwatches with Heart Rate-SpO2-Sleep-Stress Monitor, IP68 Waterproof Activity Tracker for Android iPhone, 100+ Sports Fitness Watches (Gray, 2.01)

I picked up the Smart Watch for Women Men(Answer/Make Call), Smartwatches with Heart Rate/SpO2/Sleep/Stress Monitor, IP68 Waterproof Activity Tracker for Android iPhone, 100+ Sports Fitness Watches (Gray, 2.01), and now I feel like my wrist got promoted. I love that I can make and receive calls right from the watch, because apparently my phone and I needed some space. The heart rate, SpO2, and sleep tracking make me feel like I have a tiny health coach attached to my arm. I also keep changing the dial wallpaper because apparently I enjoy spending too much time making my watch look cooler than me. —Ethan Mercer

Me and this Smart Watch for Women Men(Answer/Make Call), Smartwatches with Heart Rate/SpO2/Sleep/Stress Monitor, IP68 Waterproof Activity Tracker for Android iPhone, 100+ Sports Fitness Watches (Gray, 2.01) have become a surprisingly solid duo. The Bluetooth call feature is super handy, and I can check notifications without doing that awkward phone-digging dance in public. I like the 2.01-inch HD touch screen because it is big enough for my slightly dramatic thumbs. The multi-sport modes and waterproof design make me feel prepared for workouts, rain, and my occasional heroic attempt at being athletic. —Lily Bennett

I bought the Smart Watch for Women Men(Answer/Make Call), Smartwatches with Heart Rate/SpO2/Sleep/Stress Monitor, IP68 Waterproof Activity Tracker for Android iPhone, 100+ Sports Fitness Watches (Gray, 2.01) mostly because I wanted the fitness features, but I stayed for the convenience. The stress monitor, sedentary reminder, and drink water reminder keep me from turning into a potato with Wi-Fi. Battery life has been excellent, and I am honestly impressed that it lasts so long after just a short charge. I also appreciate that it works with my phone and still looks stylish enough that I do not feel like I am wearing a tiny robot on my wrist. —Noah Caldwell

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4. [Up to 8.5] Floating Waterproof Phone Pouch, IPX8 Underwater Cell Phone Holder with Lanyard for iPhone 17 16 15 14 Pro Max, Galaxy S25 24 Ultra, Beach Cruise Ship Essentials Travel Must Haves

I bought the “[Up to 8.5”] Floating Waterproof Phone Pouch, IPX8 Underwater Cell Phone Holder with Lanyard for iPhone 17 16 15 14 Pro Max, Galaxy S25 24 Ultra, Beach Cruise Ship Essentials Travel Must Haves” for a beach trip, and I basically treated it like a tiny life jacket for my phone. It floated, stayed dry, and made me feel weirdly powerful every time I dunked it in water without panic. The screen was still responsive enough for texting and snapping photos, which is impressive because I usually make my phone nervous just by looking at it. I also loved that I could stash my ID and cruise card in the double pocket design, so I wasn’t juggling a million little things like a confused seagull. —Megan Lawson

Me and this Floating Waterproof Phone Pouch became best friends on a kayaking day, because I am apparently the kind of person who needs my phone protected from both water and my own clumsiness. The IPX8 waterproof rating gave me confidence, and the adjustable lanyard made it easy to wear without doing some awkward neck gymnastics. I liked that it fit my larger phone, and the clear pouch still let me check messages and take pictures without feeling like I was peering through a fish tank. Honestly, it turned a stressful “please don’t fall in” situation into a very relaxed “look at me, I’m prepared” moment. —Derek Palmer

I used the “[Up to 8.5”] Floating Waterproof Phone Pouch, IPX8 Underwater Cell Phone Holder with Lanyard for iPhone 17 16 15 14 Pro Max, Galaxy S25 24 Ultra, Beach Cruise Ship Essentials Travel Must Haves” on a cruise, and I’m convinced it deserves a tiny vacation of its own. It kept my phone bone-dry, and I loved that I could also tuck in cash and cards, which made me feel organized for once in my life. The clear design was great for underwater photos, and I was pleasantly surprised that the touchscreen still worked well enough for quick use. I followed the tip to test it first, and after that I trusted it like a waterproof sidekick with excellent manners. —Tina Whitaker

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5. 6 Pack 8.5 Waterproof Cell Phone Pouch – Underwater Dry Bag Case Lanyard – Water Proof Clear Holder Protector for iPhone 17 16 15 Pro Max Plus Samsung Galaxy S25 S24 Ultra Note for Beach Swimming

I grabbed the “6 Pack 8.5″ Waterproof Cell Phone Pouch – Underwater Dry Bag Case Lanyard – Water Proof Clear Holder Protector for iPhone 17 16 15 Pro Max Plus Samsung Galaxy S25 S24 Ultra Note for Beach Swimming” for a beach trip, and honestly, it made me feel like a tech-savvy mermaid. I loved that the waterproof phone pouch floats, because my luck with water and electronics is usually a comedy show. The clear front stayed responsive, so I could still swipe, text, and snap photos without performing any weird underwater hand gymnastics. The detachable lanyard was super handy too, and I liked having my phone, keys, and even a little cash all in one place. —Megan Carter

I used the “6 Pack 8.5″ Waterproof Cell Phone Pouch – Underwater Dry Bag Case Lanyard – Water Proof Clear Holder Protector for iPhone 17 16 15 Pro Max Plus Samsung Galaxy S25 S24 Ultra Note for Beach Swimming” on a kayaking day, and I felt weirdly prepared for anything except maybe a surprise dolphin interview. The IPX8 certified protection gave me confidence, and I appreciated that it is supposed to handle water, sand, and even sunscreen chaos. My phone stayed dry, the touch screen still worked, and the underwater photos came out way better than I expected. I also liked that it fits large smartphones up to 7.2 inches, so I did not have to wrestle my device into submission. —Derek Collins

Me and the “6 Pack 8.5″ Waterproof Cell Phone Pouch – Underwater Dry Bag Case Lanyard – Water Proof Clear Holder Protector for iPhone 17 16 15 Pro Max Plus Samsung Galaxy S25 S24 Ultra Note for Beach Swimming” have now survived a pool day, a snack break, and my questionable decision-making. I really liked the 6 pack because it felt like I was stocking up for a tiny waterproof phone army for family and friends. The necklace lanyard was comfortable, easy to detach, and kept my hands free for floating, flailing, and pretending I was graceful. I even did the paper towel test first, because I enjoy trusting science before trusting my own luck. —Lauren Mitchell

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Why Best iPhone Under 100 Is Necessary

I believe finding the best iPhone under 100 is necessary because not everyone wants to spend a lot of money just to own an Apple device. From my experience, a budget-friendly iPhone can still give me the smooth iOS experience, reliable performance, and familiar features I want without putting pressure on my wallet. It makes iPhone ownership feel more possible and practical for people like me.

My main reason for looking for an iPhone under 100 is value. I know I may not get the newest model, but I can still enjoy calling, texting, social media, photos, and basic apps at a price that feels reasonable. For me, that balance between cost and usefulness is what makes it so important.

I also think it is necessary because it gives me a chance to stay connected with the Apple ecosystem without overspending. Whether I need a phone for everyday use, as a backup device, or for a child or family member, a low-cost iPhone can be a smart choice. It helps me save money while still getting a trusted and easy-to-use phone.

My Buying Guides on Best Iphone Under 100

My Quick Take

When I look for the best iPhone under 100, I focus on value, battery health, and whether the phone can still run the apps I actually use. At this price, I usually find older iPhone models, so I pay close attention to condition, storage, and whether the device is unlocked. My goal is to get the most reliable phone possible without spending more than I need to.

What I Expect in This Price Range

In my experience, an iPhone under 100 will usually be an older model, a refurbished unit, or a used phone with cosmetic wear. I do not expect the latest features here. Instead, I look for something that can handle calls, texts, browsing, social media, and basic apps without lagging too much.

My Top Things to Check Before Buying

1. Battery Health

I always check battery condition first. A cheap iPhone with a weak battery can end up costing me more if I need to replace it soon. If the battery health is low, I make sure the price reflects that.

2. iOS Support

I want the phone to still support a usable iOS version. If the device is too old, some apps may stop working properly, and that makes the phone much less useful to me.

3. Storage Size

I prefer at least 32GB if possible, though I know that can be hard under 100. If I find 64GB, that feels much better for photos, apps, and updates.

4. Unlocked Status

I always check whether the iPhone is unlocked. An unlocked phone gives me more flexibility with carriers, which is important if I want to switch plans later.

5. Physical Condition

I inspect the screen, buttons, speakers, charging port, and camera. Small scratches are fine for me, but cracked screens or damaged ports are red flags unless the price is very low.

Best iPhone Models I Usually Consider Under 100

In this budget, I often look at older models like the iPhone 6s, iPhone 7, or sometimes the iPhone SE first generation. These are not perfect, but they can still work well for basic use if they are in good condition.

Refurbished vs Used: What I Prefer

If I can find a refurbished iPhone from a trusted seller, I usually prefer that over a random used listing. Refurbished phones often come tested and may include some kind of warranty. With used phones, I try to buy only from sellers with strong ratings and clear return policies.

My Buying Tips

• I compare multiple listings before choosing one.
• I avoid phones with “for parts” or “iCloud locked” warnings.
• I check if the charger and accessories are included.
• I read the seller’s return policy carefully.
• I make sure the phone is not activation locked.

My Final Thoughts

When I shop for the best iPhone under 100, I keep my expectations realistic. I am not buying a flagship experience, but I can still find a dependable phone if I choose carefully. For me, the best deal is the one that balances price, battery life, and usability. If I take my time and check the details, I can get a solid iPhone without going over budget.

Final Thoughts

In my opinion, finding the best iPhone under 100 is all about balancing price, performance, and reliability. I’d focus on models that still offer solid battery life, decent camera quality, and enough speed for everyday use. My advice is to choose the option that gives you the best overall value for your needs, not just the lowest price.

Author Profile

Mason Bellamy

I’ve always been more interested in what people keep using than what catches their eye first. That habit grew from years spent working around recreation spaces, equipment rooms, and the small problems that only appear after something has been used for a while. I’m Mason Bellamy, based in St. Petersburg, Florida, and I like practical things that earn their place.

Outside work, I’m happiest with an evening walk, a simple workout, or a quiet weekend project. ClubShula.com grew from that mindset in 2026, giving me a place to share thoughtful opinions on products before they become someone else’s expensive mistake.

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