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When it is smashed completely on purpose or by "mistake"
When you can not update your phone to the latest version of an application that you are using much.
When you find the performance of your mobile apps not responding in time.
When your old phone is broken or damaged.
When the latest apps start slowing down your phone
When the apps developers end the support for your phone
When the apps your company uses is not supported on your phone
The battery life starts getting lower and lower
and the latest OS updates from your mobile manufacturers is not supported on your phone model,
then its time to buy a new phone.
the time when this thought (your question)comes in your mind :)
when,you have spent yet,SAVED enough!!