Costco Membership Calculator

Current membership math: Gold Star is $65 a year. Executive is $130 and earns approximately 2% on qualifying purchases, up to $1,250 a year. That means the extra $65 Executive fee breaks even from the 2% reward at about $3,250 in qualifying annual spending.

Expected Costco spending per month ($)Include purchases you expect would replace spending somewhere else. Don't include purchases you think Costco would tempt you to add.Likely extra / impulse Costco spending per month ($)This doesn't mean every Costco extra is bad. It simply keeps “saving” and “spending more” from being confused.Costco gas gallons per monthIf you expect to use Costco gas, enter your approximate gallons. Leave zero if you won't.Observed Costco gas savings per gallon ($)Use the price difference you actually see locally. If you don't know, leave this at zero rather than guessing.

Other benefits you would genuinely use in a year ($)Only count something if it replaces spending or has real value to you. Don't use Costco's marketing value automatically.

Enter what you know and run the calculator.

What this calculator can—and can't—tell you

The Executive calculation is straightforward because Costco publishes the membership fee and 2% reward. Whether Costco itself saves you money is more personal: prices vary, package sizes matter, and buying more than you would elsewhere can erase a unit-price advantage. That's why this calculator does not invent a universal savings percentage.

If you're deciding whether to join at all, use the result as a framework: compare the $65 fee with gas savings and benefits you would really use, then consider whether Costco would change how much you buy or waste.

Explore the Research

Membership terms verified against Costco in September 2026. Qualifying purchases and exclusions apply. This calculator runs locally in your browser; LifePrime does not intentionally store the numbers you enter.