In this paper, we have derived the Noise-Equation to determine the level of cross-modulation noise that is required for designing multi-band CDMA handset from IS-98 standard. From this Noise-Equation, also we were able to determine each component's specification and forecast the performance(or margin) of designing handset. In conclusion, we have designed and implemented the multi-band CDMA handset of Qualcomm's Zero-IF structure and verified validity of the Noise-Equation. In result, we have got the result of ±0.5㏈ error between Noise-Equation and actual measurement. Therefore, this paper will give a guideline for design of the Multi-Band CDMA handset.