TRT Buyer Guide

Research · First-year cost, 2026 edition

What the first year of TRT costs — and why sixteen of seventeen programs cannot be totalled

17 prescription TRT records1 closable first-year totalSources read Oct 26, 2026
Prices checked Oct 26, 2026Every figure links to the page it came fromHow the records are built

Across 17 prescription TRT records read in October 2026, 9 publish a monthly charge and 2 include every mandatory fee. Exactly 1 also publishes the amount taken before treatment starts, so exactly 1 closes to a first-year total: RexMD, at $3,099. The other sixteen are not cheap or expensive. They are unknown, and this page names precisely what is missing in each.

In one sentence

Of 17 prescription testosterone programs priced in October 2026, only 1 publishes both a complete monthly price and a starting charge — RexMD, at $3,099 for a first year — while 7 name a required fee they never price.

1 of 17
Records that close to a first-year total

complete monthly price plus a published starting charge

2 of 17
Publish every mandatory fee

all-in monthly figure exists

9 of 17
Publish any monthly equivalent

billing interval read from the provider page

7
Name a required fee with no amount

total withheld, never counted as zero

Findings

Four things the annual arithmetic exposes

Each finding below is reproducible from the table further down. Where a figure is derived, the charge it came from is printed beside it, and where a total is withheld the missing field is named.

Sample: 17 prescription TRT records

  1. 01

    The cheapest advertised rate is not a price for treatment

    The lowest monthly figure in the edition is $28 at Hone Health, which repeats to $336 a year. A membership is mandatory alongside it and the provider does not publish which of its two tiers applies to that rate, so no all-in figure exists. The lowest monthly price that includes every mandatory fee is $199 at Fountain TRT — about 7.1 times the headline rate. Both numbers are accurate. They measure different things, and only one of them is a bill.

  2. 02

    Two of seventeen programs price every mandatory fee

    2 of 17 prescription TRT records publish a monthly figure that already contains every required fee. The remaining 15 either omit a required fee, publish no billing interval, or publish no charge at all. This is not a judgement about care quality — it is a statement about what a buyer can verify before paying.

  3. 03

    Only one program also publishes its starting charge

    A first-year total needs two numbers: a complete monthly price and the charge taken before treatment. RexMD publishes both — $3,099 on its lowest published rate, rising to $3,687 if its upper published rate applies. Fountain TRT publishes a complete monthly price but no starting charge, so its annual figure repeats without ever closing into a first-year total.

  4. 04

    The most common missing number is a lab panel

    7 records name a required fee and publish no amount for it: 4 lab panels, 2 memberships and 1 shipping charge. A required fee with no published amount is the single biggest reason a total is withheld, and it is invisible on the pricing page that advertises the rate.

Annualising does not remove any of these gaps — it multiplies them. The companion arithmetic study covers how each monthly figure is derived from a charge and its interval.

The comparison that matters

On monthly charges alone, the edition runs from $28 to $250 — but those two figures are not the same kind of number. The low end is a medication rate with a mandatory membership unpriced; the high end includes medication, consultations and follow-up labs. The median across the 9 priced records is $149, or $1,788 a year if the rate simply repeats — a figure this page prints as a run rate, never as a total.

Every first-year figure, and every reason a total is withheld

n = 17 · records read Oct 26, 2026

Sorted by whether a total can be closed, then by monthly charge. This is not a ranking.

  • RexMDComplete

    Formulation not established

    Charge as billed
    $250–$299/mo subscription including medication
    Monthly equivalent
    $250
    Starting charge
    $99
    First-year total
    $3,099$3,687 at the top of the published range
    Checked Oct 26, 2026Source
  • Fountain TRTAnnual only

    Topical

    Charge as billed
    From $199/mo, published as a flat all-inclusive monthly fee
    Monthly equivalent
    $199
    Starting charge
    Not established
    First-year total
    $2,388 repeatingfirst-year total not closed — no starting charge published
    Checked Oct 26, 2026Source
  • Hone HealthWithheld

    Injectable

    Charge as billed
    Injectable from $28/mo, medication rate, plus a required membership
    Monthly equivalent
    $28
    Starting charge
    Not established
    First-year total
    Not calculableNot all-in · membership excluded
    Checked Oct 26, 2026Source
  • Hims & HersWithheld

    Injectable

    Charge as billed
    Compounded injectable from $79/mo, medication only
    Monthly equivalent
    $79
    Starting charge
    Not established
    First-year total
    Not calculableNot all-in · membership excluded
    Checked Oct 26, 2026Source
  • Peter MD (Peter Uncaged)Withheld

    Injectable

    Charge as billed
    $139/mo on the one-month plan
    Monthly equivalent
    $139
    Starting charge
    Not established
    First-year total
    Not calculableNot all-in · labs unpriced
    Checked Oct 26, 2026Source
  • Taurus MedsWithheld

    Formulation not established

    Charge as billed
    $149/mo, plus a $49 initial test and consultation
    Monthly equivalent
    $149
    Starting charge
    $49
    First-year total
    Not calculableNot all-in · labs unpriced
    Checked Oct 26, 2026Source
  • Blokes (Joi + Blokes)Withheld

    Injectable

    Charge as billed
    $149/mo billed quarterly
    Monthly equivalent
    $149
    Starting charge
    $447
    First-year total
    Not calculableNot all-in · labs unpriced
    Checked Oct 26, 2026Source
  • Maximus (Maximus Tribe)Withheld

    Injectable

    Charge as billed
    $199.99/mo on the one-month plan
    Monthly equivalent
    $199.99
    Starting charge
    Not established
    First-year total
    Not calculableNot all-in · labs unpriced
    Checked Oct 26, 2026Source
  • Male ExcelWithheld

    Topical

    Charge as billed
    $132/mo cream, 60-day supply billed every other calendar month
    Monthly equivalent
    $231
    Starting charge
    $99
    First-year total
    Not calculableNot all-in · shipping unpriced
    Checked Oct 26, 2026Source
  • Titan TRTWithheld

    Injectable

    Charge as billed
    $159 for a 30-day supply
    Monthly equivalent
    Not published
    Starting charge
    Not established
    First-year total
    Not calculableCharge published without a billing interval — a supply period is not a billing period
    Checked Oct 23, 2026Source
  • AlynMDWithheld

    Formulation not established

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    Not established
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 26, 2026Source
  • Defy MedicalWithheld

    Formulation not established

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    Not established
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 23, 2026Source
  • KeepsWithheld

    Formulation not established

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    $49
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 23, 2026Source
  • LifeMDWithheld

    Injectable

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    Not established
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 23, 2026Source
  • Marek HealthWithheld

    Formulation not established

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    $299
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 26, 2026Source
  • ReformHRTWithheld

    Formulation not established

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    Not established
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 23, 2026Source
  • RegenX HealthWithheld

    Formulation not established

    Charge as billed
    No monthly charge published
    Monthly equivalent
    Not published
    Starting charge
    Not established
    First-year total
    Not calculableNo charge published on the pages read
    Checked Oct 23, 2026Source

A blank is a finding, not a zero. Where a provider publishes no amount for a required fee, no annual figure is printed at all: the known monthly charge stands alone rather than being annualised into a total that looks complete. Cannot be totalled — a required fee is unpriced covers 7 of 17 records.

Three programs, worked out in full

Arithmetic shown, not asserted

One record with a closed total, one with a complete monthly price but no starting charge, and one whose headline rate cannot be annualised at all. Together they cover every outcome the table produces.

01First-year total calculable

RexMD

Complete monthly price
$250

medication, consultations and subsequent labs, on the lowest published rate

Repeating over twelve months
$3,000

monthly figure × 12

Starting charge published
$99

initial lab work and consultation, discounted from $199

First-year total

$3,099

At the top of the provider’s published range the same arithmetic gives $3,687. The low end is the recorded figure; the midpoint is never used.

What is still outside the total: the charge is a published range rather than a fixed rate, a dose change can re-price the plan, and nothing here establishes what a second year costs.

02Repeating annual cost only

Fountain TRT

Complete monthly price
$199

published as a flat, all-inclusive monthly fee, cancellable any time

Repeating over twelve months
$2,388

monthly figure × 12

Starting charge published
None published

the record states no separate amount taken before the first month

First-year total

Not closed

The repeating annual cost is complete. The first-year total is not, because no starting charge is published — and an unpublished charge is not a zero.

This is the closest thing in the edition to a single all-in number, and it still cannot be totalled. The provider also quotes the rate as “as low as”, which is a condition, not a contract.

03Total withheld — membership unresolved

Hone Health

Medication rate
$28

injectable cypionate, quoted “+ membership”

Repeating on medication alone
$336

monthly figure × 12 — medication only, not treatment

Required membership
$25 or $155 per month

two tiers published; the pages read do not state which applies to this rate

First-year total

$636 – $2,196

That bracket is arithmetic on the two published tiers, not a published total. It is shown because it is the width of the uncertainty, and neither end may be quoted as this program’s annual price.

A $65 initial biomarker test and consult is listed as a separate offer rather than a stated requirement, so it is carried outside the total. Shipping is not published either.

Every amount is the provider’s own published figure, read on the date printed on its record. The multiplications are ours. Where a required fee or a starting charge has no published amount, no total is shown.

Method

How a first-year total is built, and when it is refused

Four steps, applied identically to all 17 records. The fourth step is the one that stops most totals: a first year includes the money taken before treatment starts, and that amount is frequently unpublished.

The formula

first year = (complete monthly × 12) + published starting charge

Published only when both terms are established. Otherwise the monthly figure is printed on its own and the total is withheld.

  1. 01

    Read the charge and the interval it recurs on

    A published amount is not a monthly price. Where the provider bills every fixed number of days, the monthly equivalent is the charge × 365.25 ÷ 12 ÷ the number of days. Where the provider bills a calendar month, the charge already is the monthly figure. A supply period is never read as a billing period, and an average is never read as a rate.

  2. 02

    Add every mandatory fee that has a published amount

    Memberships, lab panels and consultations are added only where the provider publishes a figure. If any mandatory fee has no published amount, the monthly figure stays at known charges and no annual figure is derived from it. A missing amount is never treated as zero.

  3. 03

    Multiply the complete monthly figure by twelve

    Twelve is used as a calendar count, not a billing-year guess. This produces a repeating annual cost, which is valid only under the assumption that the recorded rate continues unchanged and that no dose change re-prices the plan.

  4. 04

    Add the published starting charge, if there is one

    A first-year total needs the amount taken before the first month of treatment — an initial lab panel, a consultation, a first prepaid quarter. Where the provider publishes no starting charge, the total stops at step three and is published as a repeating annual cost rather than closed with a zero.

How many of the 17 records fall into each total-status tier, and what is printed for each tier.
Total statusRecordsWhat is printed
First-year total calculableA complete monthly price and a published starting charge. This is the only tier where a first-year figure is printed, and it is still an arithmetic result rather than a quote.1First-year total
Repeating annual cost onlyEvery mandatory fee inside the monthly figure is priced, but the provider publishes no starting charge. The repeating annual cost is shown; the first-year total is not closed.1Repeating annual cost, total withheld
Cannot be totalled — a required fee is unpricedA monthly charge exists, but at least one mandatory fee carries no published amount. The known monthly figure is shown on its own and no annual figure is derived from it.7Nothing annual — the gap is named
Cannot be totalled — no billing intervalA charge exists but no billing interval was published. A supply period is not a billing period, so no monthly or annual figure is derived.1Nothing annual — the gap is named
Cannot be totalled — no charge publishedNo charge appears on the pages read. Recorded as not established, never as zero and never as the cheapest option.7Nothing annual — the gap is named

Sources

The pages this study was read from

One primary source per record, dated to the pass that read it. Where a provider publishes no charge, the source named is the page that was checked and found silent.

Cite this study

TRT Buyer Guide, "What the first year of TRT actually costs, 2026 edition," Open Water RX LLC. Sample: 17 prescription testosterone replacement records read 2026-10-23 and 2026-10-26; 1 supports a first-year total. https://trtbuyerguide.com/research/2026-trt-treatment-costs

Limitations

What this study does not claim

  • 01

    A published price is not a quote. A program can re-price after an intake, and a dose change can raise the charge, so a first-year total describes the published terms on the date its source was read — not what any one buyer paid.

  • 02

    No clinical, outcome or quality claim is made anywhere on this page, and none of these figures is a recommendation. Two records are compared on published billing terms only.

  • 03

    Where a provider publishes a range, the low end drives the recorded figure and the full range travels with it. The midpoint is never used, and an average is never converted into a rate.

  • 04

    No prepayment schedule is inferred. Where a provider states a term but not how it is collected, the first payment is recorded as not established rather than assumed to be paid up front.

  • 05

    Annualising a rate assumes a second and third identical charge. That assumption is a modelling choice, stated here so a reader can reject it.

  • 06

    Records whose source never named a formulation still appear in the table, because the billing terms are what this page measures. They are not pushed into a formulation cohort anywhere else on the site.

The monthly-equivalent arithmeticWhat a month costsRun the arithmetic yourselfThe lab-fee gap behind those withheld totalsPeter MD and Hone compared on published termsThe full methodCorrections log

First-year cost questions

What people ask about annual TRT cost

Each answer is dated to the record dates behind it. Nothing here is a clinical answer.

What does a year of TRT actually cost?

1 of the 17 programs in this edition can be totalled to a first-year figure: RexMD, at $3,099 on its lowest published rate ($3,687 if the top of its published range applies). 9 publish some monthly charge, but only 2 include every mandatory fee, and only 1 also publishes a starting charge. For the rest, any annual number would be a guess dressed up as a total.

Checked Oct 26, 2026

Why not just multiply the advertised monthly price by twelve?

Because the advertised figure is often not the monthly bill. 7 of the 17 records name a mandatory fee and publish no amount for it, and a further share exclude a membership that is required before medication ships. Multiplying an incomplete monthly figure by twelve produces a confident number that is missing the same fee twelve times. RexMD is the only record where both terms exist.

Checked Oct 26, 2026

What are the hidden fees in online TRT?

Three show up in this edition. A mandatory membership billed alongside medication appears in 2 records; required lab work with no published amount appears in 4; and shipping and handling stated to apply without a figure appears in 1. Separately, a one-time consultation or initial lab panel is taken before the first month — published as $99 at RexMD, $49 at some others, and unpriced at the rest.

Checked Oct 26, 2026

Is the cheapest monthly rate the cheapest first year?

Not necessarily. The lowest monthly figure in the edition is $28 at Hone Health, and it excludes a membership that the provider requires. The lowest monthly price that includes every mandatory fee is $199 at Fountain TRT. A first-year comparison needs the starting charge too, and only one program publishes all three numbers.

Checked Oct 26, 2026

Are these annual totals quotes?

No. They are arithmetic on published terms as read on the date printed beside each record. A provider can re-price after an intake, a dose change can raise the charge, and no page here accounts for a second year. The figures exist so a reader can see which programs are comparable at all, not so anyone can budget against them as a quote.

Checked Oct 26, 2026