ConsFirst / Kids' smartwatches
Kids' smartwatches: the downsides, first
Battery life is the biggest letdown — short or day-ending battery comes up for seven of the eight kids' watches we compared — and every cellular watch here needs a monthly plan. Two popular watches draw about a third of their Amazon ratings at 1–2 stars. Here are the most popular kids' smartwatches in the US, with their downsides first.
8 models compared14 sources readUpdated October 2026
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All 8 kids' smartwatches, ranked
Ranked by test scores, minus how common and serious the complaints are. How we rank
#1
Apple
$$$Parent-managed smartwatchParent needs an iPhone 11 or later on iOS 26 or laterScore 3.7/5
Amazon 1–2 star share
not available
Wirecutter's pick for older kids and Tom's Guide's pick for iPhone families: it's the easiest to text with, joins normal group chats and uses the Find My app you already have. The trade-offs are an expensive watch that can scratch, roughly one-day battery, and more distractions (apps, games and friends' chats) than kid-only watches.
Subscription: Required for use away from the parent's phone: a cellular line, about $10/mo added to an AT&T, Verizon or T-Mobile plan (Wirecutter); the cellular model costs $50 more than the GPS model (Tom's Guide)
Top complaints
- Battery may not last the dayVery common
Apple rates it at up to 18 hours. Tom's Guide says it often doesn't last the full 18 hours, and Wirecutter says it can run out before the day ends if a child messages friends and uses apps a lot. Parents' tester got a full day with average use.
- More distraction than kid-only watchesVery common
Wirecutter says kids can use Siri to find apps and games, join group chats and view photos and videos. You can block downloads and Siri, but kids can exit Schooltime with the crown, group chats can't be turned off, and per-app time limits aren't available.
- Pricey to break, confusing to set upMentioned often
Wirecutter's tester's then-10-year-old scratched the screen within two weeks. Wirecutter also found parental controls more confusing to set up, since they're split between Screen Time and the Watch app. Tom's Guide notes most health features are switched off when the watch is assigned to a child.
What owners love
- Easiest communication
Wirecutter calls it by far the easiest and most flexible watch it tested: you text it like any contact, including group texts with photos, and kids can type, scribble or dictate replies.
- Built into the parent's iPhone
Tom's Guide says you manage it from your Apple account with no extra app. Wirecutter notes Find My location with arrival and departure alerts, and Parents' tester could check location quickly in Find My or Messages.
- Strongest privacy record
Wirecutter says Apple is known for the strongest privacy protections and cites an EFF review of wearables that found Apple the only one with end-to-end encryption of personal data. Apple's policy for under-13s rules out targeted ads.
Skip it if…- You use an Android phone
- Your child is rough on gear or likely to lose it
- You want a watch with few distractions
Good for- Older kids and teens in iPhone families
- Normal texting and family group chats
- A watch that doesn't look 'babyish'
Scores (tap for why)
- Location accuracy4.0
Why 4.0?
Find My tracking with arrival and departure alerts (Wirecutter); Parents' tester found location quick to check. Neither measured accuracy. - Calls & messages5.0
Why 5.0?
Texts like any phone contact, with group chats, photos and dictation (Wirecutter). Schooltime can only be broken by repeated calls, not texts. - Parental controls3.5
Why 3.5?
Schooltime, Downtime and Communication Limits (Wirecutter), but kids can exit Schooltime, group chats can't be blocked, and setup is split across two apps. - Battery2.0
Why 2.0?
Up to 18 h rated (Apple); often less in practice (Tom's Guide, Wirecutter). - Plan cost4.0
Why 4.0?
About $10/mo added to an existing carrier plan (Wirecutter); some plans include wearable add-ons (Tom's Guide).
What experts say
- Wirecutter (NYT): Best smartwatch for older kids (updated 2026-08-11). The flaws are iPhone-only setup, more distraction, battery that may not last all day, and an expensive device to lose or break.
- Tom's Guide: Best GPS tracker for iPhone (updated 2026-06-26). Cons: the battery often doesn't last the full 18 hours, and health features are excluded on a child's watch.
- Parents: Best Apple Watch (updated 2026-09-23): easy parental controls and a stylish look, but better for older kids, and the cellular model costs more.
#2
TickTalk
$$Cellular kids watchManaged with the TickTalk app for iPhone and AndroidScore 3.4/5
Amazon 1–2 star share
not available
Parents' pick for sound quality: calls and video messages sounded like a phone, and location history can go back three months. Wirecutter found the app a pain to set up, live location slow to refresh and the touchscreen glitchy, and battery life is the main con in both reviews. TickTalk's own site now promotes the newer TickTalk 6.
Subscription: Required: TickTalk wireless on AT&T or T-Mobile networks, about $10/mo (Parents); TickTalk's site lists $9.99 and $19.99/mo plans
Top complaints
- Battery drains fast with useVery common
Parents lists limited battery life as its con, saying it can drain very quickly depending on use. Wirecutter notes the radio can drain the battery, which is why you can limit it with parental controls.
- App setup and live location are clunkyMentioned often
Wirecutter says the TickTalk app can be a pain to set up, is more basic than Gizmo's, and doesn't let you refresh and see the child's live location quickly. Parents' tester, by contrast, set it up in under 10 minutes.
- Glitchy touchscreenMentioned often
Wirecutter found the touchscreen sometimes too sensitive and other times not responsive at all.
What owners love
- Phone-quality calls
Parents says calls and video messages were crisp, and its tester said 'It sounded like he was calling me from a phone.' Wirecutter notes calls, texts and video calls with up to 53 contacts.
- Detailed location history
Parents found real-time tracking accurate and could store up to three months of location history.
- Music and direct texting
Wirecutter says iHeartRadio Family comes free and can be limited to Wi-Fi, and a recent update lets you text the watch directly without the app (not yet tested by Wirecutter).
Skip it if…- You need all-day battery with heavy use
- You want to check live location instantly
- You'd rather have the newer TickTalk 6
Good for- Kids who will make lots of voice and video calls
- Kids who want music (iHeartRadio Family included)
- Parents who want long location history
Scores (tap for why)
- Location accuracy3.5
Why 3.5?
Accurate real-time tracking and 3-month history (Parents), but Wirecutter couldn't refresh live location quickly. - Calls & messages4.0
Why 4.0?
Best sound quality Parents tested, plus video calls and up to 53 contacts (Wirecutter); Wirecutter found the touchscreen glitchy. - Parental controls3.0
Why 3.0?
School mode and radio limits, but Wirecutter calls the app basic and a pain to set up; Parents found setup easy. - Battery2.5
Why 2.5?
Listed at 2 days, but Parents says it can drain very quickly, and Wirecutter says the radio drains it. - Plan cost4.0
Why 4.0?
About $10/mo (Parents); TickTalk's site lists a $9.99 plan and a $19.99 unlimited plan.
What experts say
- Parents: Best sound quality (updated 2026-09-23): clear sound, reliable tracking and easy setup. The con is limited battery life.
- Wirecutter (NYT): Worth considering if your kid wants music (updated 2026-08-11), but the app is basic and hard to set up, and the touchscreen was glitchy.
#3
Verizon
$Cellular kids watchManaged with the Verizon Family appScore 3.3/5
Amazon 1–2 star share
not available
Wirecutter's top pick for younger kids: it's one of the most intuitive watches for kids and parents, has no camera, and School Mode still allows SOS calls. But texting only works through Verizon's app, location can be slow, and Wirecutter's unit never reached its rated battery life or survived a pool dip.
Subscription: Required: Verizon watch line, $10/mo; you don't need to be a Verizon phone customer (Wirecutter)
Top complaints
- Texting only through Verizon's appVery common
Wirecutter says you can't text the watch's number from a normal phone: every contact who wants to text must install the app, and group texting is limited. One tester gave up because the child kept missing family group texts.
- Slow location and short batteryMentioned often
Wirecutter says location tracking can be inaccurate and slow to update and uses a lot of battery. Verizon rates the battery at up to 3.6 days of use, but Wirecutter's never lasted three days.
- Water damage and Verizon hasslesMentioned often
Wirecutter's earlier Gizmo Watch 3 stopped working after a short swim despite its IP68 rating, and some owners report watches cracking or breaking after contact with water. Wirecutter was billed for Verizon Mobile Protect after declining it, and calls Verizon's Gizmo privacy policy confusing.
What owners love
- Simple for kids and parents
Wirecutter calls it one of the most intuitive kids watches to use and manage, and says it works more reliably and feels better made than the other kids watches it tested.
- Few distractions
No camera, a few limited built-in games and no way to add apps. School Mode blocks calls, messages and games while still allowing SOS calls to a guardian (Wirecutter).
- Clear calls and lots of message options
Wirecutter found calls clear, and kids can send voice messages, emojis, 30 preset texts, typed texts or speech-to-text to up to 20 approved contacts. Calls from unapproved numbers don't connect.
Skip it if…- Your family relies on group texts
- Your child swims with it
- Your child is older and may find it childish
Good for- Kids about 8 to 12
- Parents who want few distractions and no camera
- A low-cost first watch
Scores (tap for why)
- Location accuracy2.5
Why 2.5?
Geofence alerts work, but location can be inaccurate and slow to update (Wirecutter). - Calls & messages3.0
Why 3.0?
Clear calls and many message types, but contacts must use Verizon's app to text and group texting is limited (Wirecutter). - Parental controls4.0
Why 4.0?
Easy app, 20 approved contacts, School Mode with SOS and no added apps (Wirecutter). - Battery3.0
Why 3.0?
Rated up to 3.6 days (Verizon), but Wirecutter's never lasted three days. - Plan cost4.0
Why 4.0?
$10/mo (Wirecutter).
What experts say
- Wirecutter (NYT): Best smartwatch for younger kids (updated 2026-08-11). Flaws: app-only texting, shorter-than-rated battery, slow location, only splash-proof in practice, and it may look too 'kiddie' for older kids.
#4
Garmin
$$$Cellular kids watchManaged with the Garmin Jr. app for iPhone and AndroidScore 3.4/5
32%
of Amazon ratings are 1–2 stars
(checked 2026-10-10)Small sample: 219 ratings (22% 1-star, 10% 2-star).Experts rate its location tracking the best they tested: Parents calls it the best GPS watch, and Wirecutter got an arrival alert moments before its tester walked in. But it costs about as much as an Apple Watch SE 3, calls and texts must go through Garmin's app, and about a third of Amazon ratings are 1 or 2 stars, citing message delays, spotty LTE and battery.
Subscription: Required for LTE features: Garmin LTE plan, $10/mo (Parents)
Top complaints
- Message delays and dropped callsVery common
Amazon's review summary says communication is mixed, with some owners reporting message and call problems. Low-star Walmart reviews describe significant lag between messages, horrible LTE, and calls and texts that rarely went through. Wirecutter isn't a fan of the communication either, since you can only send and receive calls and texts through the app.
- Battery shorter than hopedMentioned often
Amazon's summary says battery life is mixed, with some owners saying it dropped from a week to 1-2 days. Several Walmart reviewers complain of short battery life. Parents lists up to 2 days.
- Expensive, and some screens are hard to readMentioned often
Wirecutter says it's about as expensive as the Apple Watch SE 3, and Parents notes it isn't a budget pick. Parents also says the round screen sometimes cuts off text. Amazon's summary calls value mixed, and one Walmart reviewer says the GPS was always way off.
What owners love
- Accurate, real-time location
Wirecutter was impressed: a home boundary alert arrived moments before its tester walked through the door. Parents calls the GPS highly accurate with zero lag and praises live tracking, custom-radius safe zones and location history.
- Smoothest setup Parents tested
Parents' tester called setup 'by far the smoothest and intuitive' and said the child could use it immediately. Amazon owners also find it easy to use.
- Safety and fitness extras
Parents notes incident detection that alerts up to three contacts, plus school mode, heart rate, sleep tracking and swim-proofing. Wirecutter says it recorded time, distance, pace and route on a run.
Skip it if…- You want relatives to text the watch from their normal messaging app
- You're on a tight budget
- You need dependable messaging in weak-signal areas
Good for- Parents who mainly want accurate, real-time location
- Active kids (workout tracking, swim-proof)
- Families on Android or iPhone
Scores (tap for why)
- Location accuracy4.0
Why 4.0?
Wirecutter and Parents both praise accurate, fast tracking, but Amazon owners are mixed and one Walmart owner says GPS was way off. - Calls & messages2.5
Why 2.5?
App-only calls and texts (Wirecutter) and frequent owner reports of lag and failed messages, though Parents found calls clear and reliable. - Parental controls3.5
Why 3.5?
Safe zones, location history, school mode and incident detection (Parents); one Walmart owner can't see the child's messages with others. - Battery3.0
Why 3.0?
Up to 2 days per Parents; Amazon and Walmart owners are mixed to negative. - Plan cost4.0
Why 4.0?
$10/mo Garmin LTE plan (Parents).
What experts say
- Parents: Best GPS (updated 2026-09-23): seamless setup, highly accurate real-time tracking and reliable communication. The con is a round display that crops some screens.
- Wirecutter (NYT): Worth considering for location tracking (updated 2026-08-11), but not for communication, since calls and texts go only through the app; about as expensive as the Apple Watch SE 3.
#5
Verizon
$$Cellular kids watchManaged with the Verizon Family appScore 3.2/5
Amazon 1–2 star share
not available
Verizon's 2026 kids watch adds a camera, video chat and up to 40 approved contacts, and Parents names it best for elementary age. But Parents found its location imprecise, and it was rated just 2.7 out of 5 by 105 reviewers on Verizon's own site. Wirecutter is still testing it.
Subscription: Required: Verizon watch line, from $10/mo (Parents); the Verizon Family app is included at no extra cost (Verizon)
Top complaints
- Location not preciseMentioned often
Parents says location wasn't as precise as other watches: it couldn't pinpoint the child within a city block and often showed the 12-year-old tester across the street. Its zones can be broad in a city.
- Scratches and a finicky chargerMentioned often
Parents' tester saw scratches on the glass right away (a screen protector stopped further damage) and says the charging port can be finicky, so the watch may still be dead in the morning.
- No Wi-Fi, low owner ratingMentioned often
Parents says it doesn't connect to Wi-Fi, so video messages use cellular data and an unlimited plan makes sense. Verizon's product page shows a 2.7 out of 5 average from 105 reviews, compared with 4.0 for the Gizmo Watch 3 Adventure; the review text didn't load.
What owners love
- Easy for Verizon families
Parents' tester found setup simple and says it makes sense if you're already on Verizon, calling it useful for school pickup.
- More ways to talk
Calls, video chat, typed texts, voice memos and preset messages (Parents), with up to 40 parent-approved contacts (Verizon).
- Safety features
Verizon lists real-time geofence alerts and 5 ATM water resistance. The Gadgeteer reports watch-removal alerts and a school mode, with severe-weather alerts listed as coming soon at launch.
Skip it if…- You need block-level location accuracy
- You don't want a camera on your child's watch
- You aren't on, or don't want, a Verizon line
Good for- Families already on Verizon
- Younger kids who want video calls and games
- Swimmers (rated water resistant to 50 m)
Scores (tap for why)
- Location accuracy2.5
Why 2.5?
Parents found it imprecise, often off by a street, with broad zones. - Calls & messages3.5
Why 3.5?
Calls, video chat and typed texts (Parents); up to 40 contacts (Verizon). - Parental controls3.0
Why 3.0?
Geofence alerts, removal alerts and school mode in the Verizon Family app (Verizon, The Gadgeteer); no expert has rated the new app yet. - Battery3.0
Why 3.0?
Verizon lists up to 36 hours of use; Parents lists 3-4 days but says the finicky charger can leave it dead. - Plan cost4.0
Why 4.0?
From $10/mo on Verizon (Parents).
What experts say
- Parents: Best for elementary age (updated 2026-09-23): convenient for Verizon customers, with fun games and video chat. The con is that it doesn't use Wi-Fi.
- Wirecutter (NYT): Testing the Gizmo Watch 4 and the new Verizon Family app as of August 2026; no verdict yet.
#6
Bark
$$Cellular kids watchManaged with the Bark parent appScore 2.8/5
Amazon 1–2 star share
not available
A Parents favorite for tweens thanks to Bark's monitoring platform, GPS and parental controls. But Parents found the battery and camera disappointing, and Wirecutter's parent app repeatedly crashed, texts sometimes failed, and an accidental 911 call was never logged (Bark says it has fixed this).
Subscription: Required: $15/mo for talk, text and data, including parental controls and Bark Premium for the family (Bark)
Top complaints
- Buggy parent appMentioned often
Wirecutter says the parent app repeatedly crashed and it struggled to find where to set up school mode. When its child accidentally dialed 911, the app never alerted or logged it as it's supposed to; Bark told Wirecutter it has since fixed this.
- Battery and camera fall shortMentioned often
Parents says the camera quality and battery life fell short.
- Texts don't always sendMentioned often
Wirecutter says its text messages occasionally wouldn't go through.
What owners love
- Bark platform and parental controls
Parents loved the Bark platform and its parental controls, naming it best for tweens.
- GPS and communication
Parents praises its GPS and communication functions.
- Plan includes Bark Premium
Bark's $15/mo plan bundles talk, text and data with parental controls and a family Bark Premium subscription.
Skip it if…- You need a watch that lasts more than a day
- You want the simplest parent app
- You want a cheap monthly plan
Good for- Families already using Bark's monitoring
- Tweens moving toward a first phone
- Parents who want detailed controls
Scores (tap for why)
- Location accuracy3.5
Why 3.5?
Parents loved its GPS; no measured accuracy from either expert. - Calls & messages3.0
Why 3.0?
Parents liked the communication functions, but Wirecutter's texts occasionally failed, and Parents found the camera poor. - Parental controls2.5
Why 2.5?
Parents loved the controls, but Wirecutter's app crashed repeatedly, school mode was hard to find, and a 911 call went unlogged (since fixed, per Bark). - Battery2.0
Why 2.0?
Parents says battery life fell short. - Plan cost3.0
Why 3.0?
$15/mo, including Bark Premium (Bark).
What experts say
- Parents: Best for tweens, listed under other watches it liked (updated 2026-09-23): great platform, GPS, communication and controls, but camera and battery fell short.
- Wirecutter (NYT): In 'the competition' (updated 2026-08-11): the app crashed, school mode was hard to set up, texts sometimes failed, and a 911 call went unlogged. Wirecutter does recommend the Bark Phone.
#7
Fitbit (Google)
$$Cellular kids watchFitbit Ace app on Android or iPhoneScore 2.8/5
Amazon 1–2 star share
not available
Tom's Guide's best GPS tracker for Android families, with a rugged design and games that unlock only after kids move. Wirecutter put it in 'the competition' because every contact needs the app and a Google account, calls dropped, and the watch overheated. Battery is rated at just 16 hours, and the Google Store listed it as out of stock.
Subscription: Required: Ace Pass, $9.99/mo or $119/yr, covering calling, messaging, location and games (Google Store)
Top complaints
- Every contact needs the app and a Google accountVery common
Wirecutter found this limiting and inconvenient. A low-star Walmart reviewer says calls and texts from the parent app didn't work when they were outside and off Wi-Fi.
- Short batteryVery common
Tom's Guide says it's rated for 16 hours and will likely last less in practice, even shorter than the Apple Watch SE 3. Low-star Walmart reviews also complain about battery life.
- Glitches, dropped calls and overheatingMentioned often
Wirecutter's calls were occasionally cut off, and the watch overheated after less than 10 minutes indoors. Walmart reviewers report it stopped working properly, didn't respond to app changes, and had a clock that couldn't be changed, which broke School Time. Others complain about very small text and the required $10 monthly subscription.
What owners love
- Made for kids
Tom's Guide praises the fun, kid-friendly interface and rugged design. Google says 60 minutes of activity unlocks gaming time and there are no in-app purchases.
- Calls, texts and location in one plan
Tom's Guide says you can call and text your kid, see where they are and use School Time to block apps and notifications, with no separate cell plan needed.
- Works with Android and iPhone
Unlike the Apple Watch, it works with both platforms, which Tom's Guide says makes it more versatile.
Skip it if…- Grandparents or sitters need to text your child easily
- You need more than a day of battery
- You want to buy one today (out of stock at Google Store)
Good for- Android families who want a Google-made watch
- Encouraging kids to be active
- Families already using Google accounts
Scores (tap for why)
- Location accuracy3.0
Why 3.0?
Location sharing and School Time in the Ace app (Tom's Guide, Wirecutter); no expert measured accuracy. - Calls & messages2.5
Why 2.5?
Good communication features per Tom's Guide, but every contact needs the app and a Google account, and Wirecutter's calls dropped. - Parental controls3.0
Why 3.0?
School Time and activity-gated games (Tom's Guide, Google), but Walmart owners report School Time breaking and settings not syncing. - Battery1.5
Why 1.5?
Rated 16 h, likely less in practice (Tom's Guide); Walmart owners complain; Wirecutter saw overheating. - Plan cost4.0
Why 4.0?
$9.99/mo or $119/yr Ace Pass, with no separate carrier plan (Google Store, Tom's Guide).
What experts say
- Tom's Guide: Best GPS tracker for kids for Android (updated 2026-06-26): fun interface, good communication features and rugged design. The con is even shorter battery life than the SE 3.
- Wirecutter (NYT): In 'the competition' (updated 2026-08-11): contacts need the app and a Google account, calls were occasionally cut off, and it overheated once.
#8
Gabb
$$Cellular kids watchManaged with Gabb's parent app for iPhone and AndroidScore 2.9/5
33%
of Amazon ratings are 1–2 stars
(checked 2026-10-10)867 ratings (under 1,500): 28% 1-star and 5% 2-star.Parents' best overall pick for its easy setup, safe-zone alerts and parent-friendly app, and Wirecutter likes that anyone can call or text it directly. But its plan costs more than most rivals, and about a third of Amazon ratings are 1 or 2 stars, mostly over battery life and unreliable location updates.
Subscription: Required: Gabb cellular plan, $13 to $18/mo depending on contract length (Wirecutter, Parents); the watch works only on Gabb's network
Top complaints
- Battery doesn't last a school dayVery common
Amazon's review summary calls battery life poor, with some owners saying it lasts only 2-3 hours. Several 1-star Walmart reviews say it didn't hold a charge through a school day or lasted 4-5 hours, especially refurbished units. Parents lists battery life as 12-48 hours.
- Location updates late or wrong for someMentioned often
Amazon's summary says experiences with GPS accuracy and connectivity are mixed. Low-star Walmart reviewers describe a delayed location pin that doesn't update even when refreshed from the parent app, and location notifications that were completely off. Parents' tester, by contrast, found GPS accurate.
- Pricier plan, reliability and support complaintsMentioned often
Wirecutter and Parents both note the $13-18/mo plan costs more than rivals, and Parents' tester wanted more features for that price. Wirecutter has read multiple complaints about customer service after a watch broke. Walmart reviewers report units that stopped turning on after a few months, couldn't be activated, or got stuck in Focus mode, and Amazon's summary calls reliability mixed.
What owners love
- Easy for parents and kids
Parents' tester called setup 'super quick and simple' and its 9-year-old found the watch very easy to use. Amazon owners call it kid-friendly and easy to set up.
- Direct calls and texts, up to 100 contacts
Wirecutter says you and approved contacts can call and message the watch directly without going through an app, and you can approve up to 100 numbers. Kids get preset texts, a small keyboard, voice messages and speech-to-text, though Wirecutter says speech-to-text takes several taps.
- Safe zones and quiet times
Parents praises safe-zone alerts when a child arrives at or leaves home or school, plus focus and silent modes. Wirecutter notes quiet times disable apps, calls and texts.
Skip it if…- You want the cheapest monthly plan
- You need a battery that reliably lasts a full school day
- You want to keep your current carrier
Good for- Younger kids who need calls and texts without games or internet
- Families who want relatives to text the watch without an app
- Kids motivated by a digital pet and task reminders
Scores (tap for why)
- Location accuracy3.0
Why 3.0?
Parents found GPS accurate, with safe-zone alerts, but Amazon owners are mixed and Walmart reviewers report delayed or wrong location. - Calls & messages3.5
Why 3.5?
Anyone can call or text it directly (Wirecutter), and Parents rates connectivity strong, but Amazon owners are mixed on connectivity. - Parental controls3.5
Why 3.5?
Many parental controls and an easy app (Parents), but Walmart owners complain of only one primary contact and the watch getting stuck in Focus mode. - Battery2.0
Why 2.0?
12-48 hours per Parents; the most common owner complaint on Amazon and Walmart. - Plan cost2.5
Why 2.5?
$13-18/mo, higher than most rivals (Wirecutter, Parents).
What experts say
- Parents: Best overall (updated 2026-09-23): simple interface, easy setup, strong connectivity and accurate GPS. The con is Gabb's monthly plan.
- Wirecutter (NYT): Worth considering for its digital pet (updated 2026-08-11). The earlier Gabb Watch 3 was less intuitive than its picks and its pedometer logged two steps in a full day; the plan costs more than its picks.