Updated April 2026

How Much Does TRT Actually Cost?

Most clinics quote a monthly price. We calculate the true annual cost — including labs, consultations, ancillaries, and hidden fees that add up fast.

$99–$250

Monthly range (online clinics)

$1,400–$4,200

True annual cost

$20–$40

Generic T cypionate (GoodRx)

HSA/FSA

Eligible (save 20–35%)

True Cost Comparison

Filter by your preferences to see what you'll actually pay per year. Prices verified April 2026 — confirm on each clinic's site before enrolling.

Prices as of April 2026. Actual costs may vary by protocol, state, and individual needs. Verify all pricing on each clinic's website before enrolling.

What Goes Into the True Cost of TRT

Testosterone Medication

The medication itself is often the cheapest part. Generic testosterone cypionate (injectable) costs $20–$50/month through local pharmacies with a GoodRx coupon. Through online clinics, it's typically bundled into the monthly fee at $40–$100/month.

Creams and gels run 2–3x more. Oral TRT (Kyzatrex) is the most expensive option.

Lab Work / Blood Tests

Baseline labs plus 2–4 follow-up panels per year. A comprehensive hormone panel runs $100–$250 through direct-to-consumer labs. Some clinics include this in their fee; others charge separately.

Annual lab cost: $200–$800 depending on frequency and provider.

Physician Consultations

Initial evaluation plus ongoing follow-ups (typically every 3–6 months). Individual consultations range from $70–$250. Some clinics offer unlimited access; others charge per visit.

Unlimited consultation clinics save $500+/year for engaged patients.

Ancillary Medications

Many protocols include HCG (fertility preservation, $50–$100/mo), anastrozole (estrogen management, $20–$50/mo), or enclomiphene. These can significantly increase monthly costs.

Not everyone needs ancillaries — your bloodwork determines what's necessary.

Ways to Reduce Your TRT Cost

Use HSA/FSA funds

TRT, labs, and consultations are all eligible — save 20–35% with pre-tax dollars.

Choose injectable over cream

Testosterone cypionate injections cost 50–75% less than topical options for the same therapeutic effect.

Use GoodRx for local fills

If your clinic writes a prescription you can fill locally, GoodRx coupons bring generic T cypionate to $20–$40/month.

Ask about annual billing

Some clinics discount 15–20% for upfront annual payments. Do the math before committing.

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