How can I compare prices between iPhone Upgrade Program and refinancing?

I wonder this for years, and it's how can I see how much is a new iPhone (say if I am refinancing a 6 s 16 GB iPhone), how much will cost each month and how much an iPhone cost in case of upgrade program. So if we are on the upgrade program, can OK, I buy it in the stores of carrier? What are the benefits of refinancing? Can I exchange a phone located to midway between the refinancing period and use the program to update iPhone and will I pay less each month? And after 12 months, what I have to pay the tax and the money to upgrade to a new iPhone, or is it just continue to pay $32 per month?

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