If you have the Fido MyAccount app tap on Phone and you should see You can upgrade your phone on: xxxx this would be the date your contract expires if no date is there then you are not in a contract. If you are in a contract right belowe that would be the amount still owing on the device.
Welcome to the community!
Many mobile providers use a subsidised model for their contract devices. This model is different from a tab model or the more recently available leasing model.
With the subsidised model, the subsidy is incorporated into the plan (ie small, large, etc). On the other hand, with the tab model, the monthly plans and tabs are separate. Since the subsidy is incorporated into the plan, your plan does not automatically switch to a BYOP plan at the end of a contract. It remains your previous plan, should you wish to subsidise another device.
Yes, once your contract has finished you are able to switch your plan to a BYOP plan. You should note that you would have to switch to a BYOP plan which is in-market at the time you decide to switch. The details of the in-market BYOP plans may or may not be the same as your current plan. It is not possible to keep your current plan and merely remove the subsidy.
Similarly, if you later decide you wish to subsidise a phone after switching to a BYOP plan, you would have to take a subsidised plan which is in-market at the time you decide to switch. Again, the plan details of that plan may or may not include the details of your previous subsidised plan (or 'current' BYOP plan).
Hope this helps 😀