Commitment-cost calculator
Prepaid GLP-1 plans advertise a monthly equivalent that is arithmetic, not billing. Enter a plan's payment structure to see the amount due today, the total contractual commitment, the true per-month figure, and — if the plan bills in installments — what remains owed at any cancellation point. The calculator runs in your browser, stores nothing, and cannot assess refund rights; read the provider's cancellation and refund terms before prepaying.
Reported non-refundable prepays exist in the captured data — the calculator's "remaining if you stop" figure assumes the full commitment is owed, which is the conservative reading until a provider's refund terms say otherwise.
How to use it
Enter the plan you're considering: the payment amount, whether that amount is charged once (full prepayment) or as installments, how many payments there are, the treatment months the plan covers, and any one-time enrollment fees. The tool returns three numbers that matter far more than the advertised "monthly equivalent" — the amount leaving your account today, the total contractual commitment, and the true per-treatment-month cost — plus an estimate of what may remain owed if you stop early. Use it before agreeing to any plan longer than one month.
Definitions
Amount due today is the first charge: on a full-prepayment plan it's the entire commitment, on installments it's one payment plus enrollment fees. Total contractual commitment is everything you've agreed to pay across the plan. Per treatment month divides that commitment by the months of medication supplied — the comparable figure. The gap the tool exposes is between the friendly "monthly equivalent" providers advertise and the sometimes large amount actually due at signup.
How the calculation works
Total commitment is (payment amount × number of payments) + one-time fees. Amount due today is the full total for a single-charge prepayment, or one payment plus fees for installments. Per-treatment-month cost is the total divided by covered months. The early-stop estimate assumes a strict no-refund posture — the most conservative and, for many prepaid compounded plans, the realistic case once medication ships. Because refund and cancellation terms vary and are often unverified, the tool shows the worst case so you can weigh it deliberately rather than discovering it later.
Worked example
A 12-month plan advertised at "$145/month," charged as a single prepayment, with no enrollment fee: enter $1,740 paid once, 1 payment, 12 months, $0 fees. The tool returns $1,740.00 due today, $1,740.00 total commitment, $145.00 per treatment month — making plain that the "$145/month" figure is a $1,740 charge today, not a monthly bill. Now a plan at $200/month billed as 6 installments with a $50 enrollment fee: $200 × 6 + $50 = $1,250.00 total, $250.00 due today, $208.33 per treatment month, and stopping after payment one could leave up to $1,000 owed depending on terms.
Interpreting your result
A large gap between "amount due today" and the advertised monthly equivalent is the prepayment trap in numbers — decide whether you can absorb that upfront charge and, more importantly, whether you're confident enough about staying in treatment to risk it. The per-treatment-month figure is what you compare across providers. The early-stop estimate is the question to resolve before paying: get the actual refund and cancellation terms in writing, because a modest annual saving rarely justifies hundreds or thousands in stranded value if your situation changes.
Limitations
The early-stop figure assumes no refund; a provider with a genuine partial-refund policy would leave you owing less, which is exactly why you should confirm the terms rather than trust the worst case or the best. The tool also can't see whether medication actually ships across the full term or arrives in one supply whose beyond-use date falls short — a plan that bills twelve months but supplies eight is more expensive per real month than it appears. Verify shipment cadence and refund terms alongside this calculation.
Frequently asked questions
Is prepaying ever worth it?
It can be — prepaid plans typically discount 10–15% versus month-to-month. The question is whether that discount justifies the upfront charge and the early-stop risk. If you're confident about staying in treatment the full term and the provider has fair, written refund terms, prepaying saves real money. If either is uncertain, the flexibility of monthly billing is often worth its small premium.
What does "may remain owed" mean if I already paid?
On installment plans, stopping early can still leave contractual payments owed depending on the cancellation terms. On full-prepayment plans you've already paid, so the risk is unrecovered value rather than money still owed — the tool flags the stranded amount. Either way, the actual terms govern, which is why confirming them in writing before paying is the point.
Why assume no refund?
Because many compounded-GLP-1 plans restrict refunds once medication ships, and assuming the worst case lets you see the real downside before committing. If a provider offers better terms, your actual risk is lower — verify and adjust. The conservative default protects you from an unpleasant surprise; it isn't a claim that every provider is unfair.
Worked scenarios from captured plans
These use real captured plan structures to show what "due today" and early-stop exposure actually look like. Every figure is computed by the calculator; all are provider-reported, not checkout-verified.
| Plan | Due today | Total commitment | Per treatment month | At risk if stopped after month 1 |
|---|---|---|---|---|
| NexLife semaglutide, 12-mo prepaid | $1,740.00 | $1,740.00 | $145.00 | up to $1,575.00 |
| NexLife tirzepatide, 12-mo prepaid | $2,232.00 | $2,232.00 | $186.00 | up to $2,017.00 |
| NexLife semaglutide, 6-mo prepaid | $882.00 | $882.00 | $147.00 | up to $735.00 |
| NexLife semaglutide, 3-mo prepaid | $447.00 | $447.00 | $149.00 | up to $298.00 |
The pattern is consistent: the longer the prepaid term, the lower the per-month rate but the larger the amount due today and the more value at risk if circumstances change early. NexLife's 12-month semaglutide plan at $1,740 works out to $145/month versus its $165 month-to-month rate — a real saving of about $240 a year — but it charges the full $1,740 up front, and stopping after one month could strand up to roughly $1,575 depending on refund terms that are not yet captured. That trade is only worth taking if you are confident about staying in treatment and the provider's written refund policy is fair. (The "at risk" figures assume a strict no-refund posture on unshipped value, less one month consumed; actual exposure depends on the provider's terms.)
How to use this before you prepay
Run any prepaid plan through the calculator, then get three things in writing before paying: the exact amount charged today, the refund policy for unshipped medication, and whether cancellation carries a notice period or fee. Compare the annual saving against the worst-case stranded value the tool shows — a modest discount rarely justifies hundreds or thousands at risk if your situation changes. For month-to-month comparisons across providers, use the true-cost calculator; for introductory-vs-renewal pricing, use the first-month calculator.