Is a Costco Membership
Worth It for You?
Enter your spending below — rough estimates are fine. Your result updates live as you type.
Membership fees may be taxed depending on your province, so you may need to spend slightly more to break even.
Most members save ~10–20% on items they'd buy anyway. This is an estimate — adjust to your habits.
alcohol, tobacco, gift cards — excluded from 2% reward
0 = skip drive cost
Other perks you use (not counted in 2% reward)
Your result
Updates as you type
Your regular Costco spending more than covers the fee.
Annual value
Gold Star fee
Net benefit
Covered by month 4 — then it's pure savings.
Gold Star
net benefit/yr
Fee: $65/yr
Executive
net benefit/yr
Fee: $130/yr + 2% reward
Spend ~$3,250+/yr in qualifying purchases and Executive pays for itself.
Savings rate is your estimate, not a Costco-stated fact. Adjust the slider to match your habits.
Executive 2% reward excludes gas, tobacco, alcohol, gift cards, and membership fees.
Fees verified May 31, 2026. Gold Star $65 · Executive $130 · Reward cap $1,250.
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How it works
Enter your spending
Move the sliders or type in annual estimates for groceries, gas, and pharmacy. Rough numbers work fine.
Watch the math
The result panel updates live as you type — no submit button. You see exactly how your savings are calculated.
Get your answer
Worth it or not — instantly. With your estimated annual savings and how long until the membership pays for itself.
Built on honest math
Zero affiliation
No relationship with Costco Wholesale. No incentive to push you toward or away from membership.
Open methodology
Every savings rate is sourced and published. Read the full methodology to see how each number is derived.
Instant & free
No email, no paywall, no 1,500-word article. Your answer in the time it takes to move three sliders.
Common questions
No. Membership Worth It is an independent tool with no relationship to Costco Wholesale Corporation. We are not affiliated with, endorsed by, or sponsored by Costco in any way.
Savings rates are based on published price comparisons and industry research. Actual results vary by location and buying habits. Use this as a directional estimate — not a guarantee.
Yes. Toggle USD → CAD. Costco Canada pricing: Basic $65 CAD, Executive $130 CAD. The calculator updates automatically.
Executive costs $130/yr vs $65/yr for Basic, but earns 2% back on Costco purchases. Use the tier toggle to compare — it breaks even when your annual Costco spend exceeds roughly $3,250.
No. All calculations run locally in your browser. Nothing is transmitted to any server. Nothing leaves your device.
Know before you join.
Or before you renew.
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