Costco decision tool

Costco Membership Calculator

Estimate your annual benefit, compare the membership fee with your savings, and see whether Gold Star or Executive is likely to pay off.

Price checked: Official pricing source: Costco
$
Eligible purchases before any estimated savings
$
Your estimate for grocery, gas, or other price savings

Based on your estimates

Likely worth it

Estimated net annual benefit: $206. Change the inputs to test a more conservative or optimistic scenario.

Annual Costco spending$4,800
Estimated direct savings$240
Executive 2% reward$96
Membership fee-$130
Estimated net annual benefit$206
Disclaimer: Results are estimates based on the amounts you enter. Eligible reward purchases, prices, shopping habits, and actual savings vary. This calculator does not guarantee savings.

What this calculator includes

It combines your estimated shopping savings, the annual membership fee, and the Executive 2% reward. It does not assume a universal Costco discount because actual savings depend on what and where you buy.

Executive membership break-even formula

Executive upgrade break-even
= upgrade cost / reward rate
= $65 / $0.02
= $$3,250.00 per year

That equals about $271 per month in eligible spending. The reward applies only to eligible purchases and is capped under Costco's current terms.

Example

At $500 per month in eligible spending, the annual total is $6,000 and the estimated Executive reward is $120. Add your own estimate for grocery and gas savings to compare the total benefit with the $130 annual fee.

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