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At what age would you say it's appropriate to allow your child to have an iPhone?

My 14 year old wants one as her friends at school have them. My better judgement is saying no. However I don't like the thought of her missing out on account of me being over protective.
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is there a practical function that she needs it for? not likely. supposed to be for calling home in emergencies. now cell phones are just like computers. with time wasting games and internet access that's not needed during school hours. how does she plan on using it? ain't no one nowhere that NEEDS to text. sure everyone wants to because its super convenient but...sorry i believe i started rambling... did i help at all darlin?