Costco
Gold Star standard plan
Not covered yet
Annual value before fee
$0.00
Net annual value
-$65.00
Break-even uses
Add a per-use estimate
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Membership break-even calculator
Estimate whether a warehouse or delivery membership covers its fee based on your own trip frequency, order fees avoided, rewards, and other benefits. Start with the current standard-plan fees, then replace every assumption with your actual numbers.
Personal estimate
Add only benefits you will actually use.
Sam's Club
Club standard plan
Not covered yet
Annual value before fee
$0.00
Net annual value
-$60.00
Break-even uses
Add a per-use estimate
BJ's
Club standard plan
Not covered yet
Annual value before fee
$0.00
Net annual value
-$60.00
Break-even uses
Add a per-use estimate
Walmart+
Annual standard plan
Not covered yet
Annual value before fee
$0.00
Net annual value
-$98.00
Break-even uses
Add a per-use estimate
Target Circle 360
Annual standard plan
Not covered yet
Annual value before fee
$0.00
Net annual value
-$99.00
Break-even uses
Add a per-use estimate
CVS ExtraCare Plus
Annual standard plan
Not covered yet
Annual value before fee
$0.00
Net annual value
-$48.00
Break-even uses
Add a per-use estimate
Formula: (uses x savings per use) + rewards + other benefits - annual fee. Estimates exclude taxes, tips, excluded purchases, travel time, storage, product waste, and benefits you would have received without a membership.
Check current terms
Fees and benefits can change.
The default annual amounts are standard-plan starting points, not a promise of current enrollment pricing. Promotions, local terms, qualifying-order minimums, excluded purchases, and delivery or shipping fees can all change the result.
What to count
Count a recurring price difference you can verify, delivery or shipping fees you would otherwise pay, and rewards you expect to redeem. Use a conservative estimate for every category.
What not to count
Do not count a one-time joining promotion, a purchase you would not otherwise make, or a reward you will not redeem. Product waste, tips, taxes, and travel costs can also reduce real value.