How Much Does TRT Cost Online in 2026? First Charge to 12-Month Total

Online TRT plan prices run $79 to $326 a month (median about $104) across 7 clinics, checked Oct 7, 2026. The cheapest year we found is PeterMD at about $1,043 including its first labs, but only on its injections, 12-month plan. The first charge can be far higher than the monthly price: up to $396.

By Kymata Health Editorial Team · Published Oct 7, 2026 · Prices checked Oct 7, 2026 · How we rank

The cheapest legitimate ways to pay for TRT

Testosterone itself is cheap. With a prescription from your own clinician, Costco Pharmacy lists generic testosterone cypionate 200 mg/mL at $49.49 for one 1 mL vial or $60.99 for two (member price, checked Oct 7, 2026), which covers about four weeks at 100 mg a week. Labs, visits and syringes are extra, and it is a Schedule III controlled substance, so the prescriber must hold a DEA registration. Online clinics bundle all of that; the lowest-priced ones are below.

Generic testosterone and lower-cost online TRT, cheapest first. Prices from each seller’s own page, checked Oct 7, 2026.
Seller	Product	Price	Status	Includes
Costco Pharmacy	Generic testosterone cypionate 200 mg/mL, 1 mL vialsTwo 1 mL vials (400 mg) cover about four weeks at 100 mg a week; your prescribed dose may differ. Costco listed no 10 mL vial on Oct 7, 2026.	$49.49 for one vial, $60.99 for two (member price, warehouse pickup)seller's list price	FDA-approved generic	Medication only, with your own prescription; syringes, labs and visits are extra. Home delivery $52.48 / $63.98
CoreAge Rx	Injectable testosterone cypionate 200 mg/mLMarked “coming soon” on Oct 7, 2026; CoreAge says its medications are compounded in the USA.	As low as $129/mo (coming soon)source	Formulation set by prescriber	Online consult with US board-certified doctors, labs at Quest or at home, free delivery, no membership fee
MangoRx	Testosterone treatment	$149/mosource	Formulation set by prescriber	Physician consult and treatment plan; MangoRx’s FAQ says labs are not included
Luvo Health	Testosterone or enclomiphene (injection, oral or cream)	$189–$447 to start (coming soon)source	Formulation set by prescriber	Plans from 4 to 24 weeks; Luvo says no lab work is included

Sorted by the lowest published monthly cost. CoreAge Rx, MangoRx and Luvo Health are affiliate programs (links are plain until tracking goes live); payment never changes the order. If you have insurance, a covered visit and your plan's copay for generic testosterone cypionate is often cheaper still.

TRT cost calculator

I already have recent labs (drops lab fees only where the provider accepts outside labs)

Provider	Plan	Monthly	First charge	First 90 days	12-month	Minimum term	Not included / assumptions	Checked
PeterMD	Injections, 12-month planIncludes: Medication and membership	$79	not published	not published	$1,043	12 months	Follow-up labs about 90 days after starting (price not published) PeterMD lists the 12-month plan as $948 total but does not say whether it is billed upfront or monthly, so we do not show a first charge or 90-day figure.	Prices checked Oct 7, 2026 · source
DudeMeds	Testosterone Only Commit Kit, paid quarterlyIncludes: Testosterone and syringes	$79	$336	$336	$1,047	3 months	Membership/consult fee: none published	Prices checked Oct 7, 2026 · source
Maximus	Injectable testosteroneIncludes: Doctor consultations, monitoring and messaging	$99.99	$99.99	$299.97	$1,199.88	not published	Intake lab cost (not on the pages we read) Plan length for this price (not published) Maximus says you pay monthly on its savings plans; the $99.99 'from' price is shown without a plan length.	Prices checked Oct 7, 2026 · source
DudeMeds	Testosterone Commit Kit + estrogen blocker, paid quarterlyIncludes: Testosterone, estrogen blocker, syringes	$99	$396	$396	$1,287	3 months	-	Prices checked Oct 7, 2026 · source
PeterMD	Injections, 6-month planIncludes: Medication and membership	$109	not published	not published	$1,403	6 months	Follow-up labs about 90 days after starting (price not published) Billing schedule for the 6-month plan ($654 total) is not published.	Prices checked Oct 7, 2026 · source
TRT Nation	Testosterone injections (2.5-month minimum first purchase)Includes: Medication and supplies	$99.99	$378.97	$607.96	$1,457.87	2.5 months	After the 2.5-month minimum first purchase we assume monthly refills (TRT Nation refills are requested, not automatic). Lab cadence after the 10-week check is not published; we count one follow-up lab order.	Prices checked Oct 7, 2026 · source
PeterMD	Injections, 1-month planIncludes: Medication and membership	$139	$373	$512	$1,763	2 months	Follow-up labs about 90 days after starting (price not published) One PeterMD page says the 1-month plan is 'billed two months then monthly'; we use that.	Prices checked Oct 7, 2026 · source
MangoRx	Testosterone TreatmentIncludes: Lab test, physician consult and treatment plan (per the product page)	$149	$149	$447	$1,788	1 month	MangoRx's FAQ says labs are not included, and no medication line is shown The FAQ says refills ship every 25 days; we model monthly billing.	Prices checked Oct 7, 2026 · source
Hone Health	Premium membership + testosterone injectionsIncludes: Consults and labs every 3 months (Premium)	$183	$248	$614	$2,261	1 month	Medication is priced 'from' $28/mo; your dose or form can cost more	Prices checked Oct 7, 2026 · source
BrightMeds	TRT at '$75 per week'Includes: Labs and doctor consult	$325.89	not published	not published	$3,910.71	not published	The $75/week price appears only in the page title and meta description; billing frequency is not stated.	Prices checked Oct 7, 2026 · source

First charge = one-time fees plus the first billing block. First 90 days = cash paid on the provider's billing calendar. 12-month = one-time fees + 12 months of the plan price + scheduled extras (like follow-up labs). "not published" means the provider's own pages don't say; we never fill the gap with a guess. Full math: methodology.

The 4 cost buckets

Membership or care fee. Hone's Premium membership is $155/mo before medication. Most other clinics fold care into one price.
Medication and supplies. Included in the plan price at PeterMD and DudeMeds kits; billed on top at Hone (from $28/mo for injections).
Labs. Included at BrightMeds. Elsewhere $65–$149 to start, and repeat labs can cost again.
Extras and terms. HCG ($300–$301 per vial at DudeMeds and PeterMD), estrogen blockers, and prepaid terms: the lowest rates at PeterMD, Maximus and Hims need 10–12-month plans.

Every priced TRT plan, sorted by 12-month cost

Provider	Plan	Monthly	First charge	First 90 days	12-month	Minimum term	The catch / not included	Checked	Next step
PeterMD	Injections, 12-month plan	$79	not published	not published	$1,043	12 months	$79/mo needs a 12-month plan, and there are no refunds once medication ships. Follow-up labs about 90 days after starting (price not published) Assumption: PeterMD lists the 12-month plan as $948 total but does not say whether it is billed upfront or monthly, so we do not show a first charge or 90-day figure.	Prices checked Oct 7, 2026 · source	See PeterMD's current prices on its site →
DudeMeds	Testosterone Only Commit Kit, paid quarterly	$79	$336	$336	$1,047	3 months	3-month minimum, and labs cost extra unless you upload your own. Membership/consult fee: none published	Prices checked Oct 7, 2026 · source	See DudeMeds's current prices on its site →
Maximus	Injectable testosterone	$99.99	$99.99	$299.97	$1,199.88	not published	The best price needs a 12-month commitment, and program payments are non-refundable. Intake lab cost (not on the pages we read) Plan length for this price (not published) Assumption: Maximus says you pay monthly on its savings plans; the $99.99 'from' price is shown without a plan length.	Prices checked Oct 7, 2026 · source	See Maximus's current prices on its site →
DudeMeds	Testosterone Commit Kit + estrogen blocker, paid quarterly	$99	$396	$396	$1,287	3 months	3-month minimum, and labs cost extra unless you upload your own.	Prices checked Oct 7, 2026 · source	See DudeMeds's current prices on its site →
PeterMD	Injections, 6-month plan	$109	not published	not published	$1,403	6 months	$79/mo needs a 12-month plan, and there are no refunds once medication ships. Follow-up labs about 90 days after starting (price not published) Assumption: Billing schedule for the 6-month plan ($654 total) is not published.	Prices checked Oct 7, 2026 · source	See PeterMD's current prices on its site →
TRT Nation	Testosterone injections (2.5-month minimum first purchase)	$99.99	$378.97	$607.96	$1,457.87	2.5 months	2.5-month minimum first purchase and a no-refund policy. Assumption: After the 2.5-month minimum first purchase we assume monthly refills (TRT Nation refills are requested, not automatic). Assumption: Lab cadence after the 10-week check is not published; we count one follow-up lab order.	Prices checked Oct 7, 2026 · source	See TRT Nation's current prices on its site →
PeterMD	Injections, 1-month plan	$139	$373	$512	$1,763	2 months	$79/mo needs a 12-month plan, and there are no refunds once medication ships. Follow-up labs about 90 days after starting (price not published) Assumption: One PeterMD page says the 1-month plan is 'billed two months then monthly'; we use that.	Prices checked Oct 7, 2026 · source	See PeterMD's current prices on its site →
MangoRx	Testosterone Treatment	$149	$149	$447	$1,788	1 month	Its own pages disagree on whether labs are inside the $149. MangoRx's FAQ says labs are not included, and no medication line is shown Assumption: The FAQ says refills ship every 25 days; we model monthly billing.	Prices checked Oct 7, 2026 · source	See MangoRx's current prices on its site →
Hone Health	Premium membership + testosterone injections	$183	$248	$614	$2,261	1 month	Treatment needs the $155/mo Premium membership on top of medication. Medication is priced 'from' $28/mo; your dose or form can cost more	Prices checked Oct 7, 2026 · source	See Hone Health's current prices on its site →
BrightMeds	TRT at '$75 per week'	$325.89	not published	not published	$3,910.71	not published	The TRT price appears only as '$75 per week' in page metadata. Assumption: The $75/week price appears only in the page title and meta description; billing frequency is not stated.	Prices checked Oct 7, 2026 · source	See BrightMeds's current prices on its site →

Price not published for testosterone (TRT): Hims. We do not estimate prices a provider has not published.

Cost by delivery method

Injections: the cheapest form here, from $79/mo on long plans (PeterMD, DudeMeds).
Cream: Hone lists cream from $60/mo plus membership.
Oral: Kyzatrex is an FDA-approved oral testosterone; MangoRx sells a separate "Prime" oral tablet. Enclomiphene is not testosterone; see enclomiphene costs.
Pellets: in-person only; none of the online clinics we list offer them.

Insurance vs cash vs HSA/FSA

Every online TRT clinic in our list is cash-pay; none says it bills insurance for TRT. Several accept HSA/FSA cards. If you have insurance, an in-network doctor and a generic testosterone cypionate prescription filled at a pharmacy may cost less than any subscription; the cash price of the generic is in the cheapest options section above.

Red flags in TRT pricing

A headline monthly price that needs 10–12 months, sometimes paid upfront.
Membership and medication billed separately, so the advertised price is only half the bill.
Prices that appear only in page metadata or only after you pay (BrightMeds shows TRT only as "$75 per week" in its page title).
Billing that starts before a clinician approves you, or no refunds once medication ships (PeterMD, DudeMeds).
No labs before a testosterone prescription.

FAQ

How much does TRT cost per month online?

Across 10 priced plans from 7 clinics (checked Oct 7, 2026), the plan price runs $79 to $326 a month, with a median of about $104. Labs, a membership or a long prepaid term can sit on top.

How much does TRT cost without insurance for a year?

Using each clinic's own published prices, a year of online TRT ranges from about $1,043 (PeterMD, injections, 12-month plan, with its first lab panel) to about $3,910.71. Most of these clinics are cash-pay.

Why is the first charge so much higher than the monthly price?

Some clinics bill several months at once or add lab fees up front. The highest first charge we found is $396 at DudeMeds (testosterone Commit Kit + estrogen blocker, paid quarterly, with labs).

What is the cheapest way to get TRT?

With a prescription from your own clinician, generic testosterone cypionate is $49.49 for one 1 mL vial (200 mg) or $60.99 for two at Costco Pharmacy (member price, checked Oct 7, 2026), plus labs, visits and syringes. Among online clinics that bundle care, CoreAge Rx lists TRT as low as $129/mo (coming soon) and MangoRx $149/mo.

Can I use my HSA or FSA for online TRT?

Several clinics say yes (PeterMD, Hone, Maximus), Hims says no. Your plan administrator decides what counts as an eligible expense.

Are follow-up labs included?

Hone Premium includes labs every 3 months, and BrightMeds says labs are included. Elsewhere, budget $65–$149 for the first panel and ask whether follow-up labs cost extra.

Best online TRT clinics, ranked →Full telehealth cost calculator →PeterMD vs Hone Health →How we calculate cost →ED treatment online: cost →PT-141 online: cost →TRT risks, labs and the 2026 FDA label →

Sources

Provider facts come from each provider's own pages, read Oct 7, 2026. Regulatory lines link to the primary source.