How much will my iphone 5s cost?

I'm saving for an iPhone 5s with all my own money. I have around $280 right now, and according to the apple site, with my chosen carrier (AT&T which I do have, I have a 4s right now) it'll cost me $299 for 32GB. I don't have an upgrade available for another year though, so will I just have to pay a connection fee, or the whole $700?

If you get a new contract its 199 for 16gb, you can also trade in the 4S to get money off of it