There is no such thing as the Anytime Fitness price. Every club is independently owned, and the franchise agreement filed with state regulators says so directly: subject to the franchisor’s approval of rates and promotions, the franchisee “shall set your own prices for the products and services you offer in your Anytime Fitness Center.” Corporate’s own membership page answers the question “how much does a gym membership cost?” with “membership pricing varies depending on location.”
That makes Anytime Fitness the one big chain where a roundup number is useless and a club-by-club read is the only honest answer. So we pulled six club pages in six states on September 4, 2026 and cross-checked them against the company’s 2026 Franchise Disclosure Document, which is public because Wisconsin’s Department of Financial Institutions publishes registered FDDs. Two things jump out immediately: the dues are quoted biweekly, and there is a fee for the key fob that almost nobody budgets for.
What Does an Anytime Fitness Membership Cost Without Insurance?
| Club (prices read September 4, 2026) | Advertised rate | Enrollment | Key fob (Security Activation) | Monthly equivalent | Year-one total |
|---|---|---|---|---|---|
| Minneapolis, MN, 12-month “Join for $1” | $19.99 biweekly | $1.00 | none listed | $43.31 | $520.74 |
| Louisville, KY, 18-month | $21.99 biweekly | $99.99 | $49.99 | $47.65 | $721.72 |
| Indianapolis, IN, 24-month | $22.99 biweekly | none listed | $49.00 | $49.81 | $646.74 |
| Louisville, KY, 12-month “Join for $1” | $24.99 biweekly | $1.00 | none listed | $54.15 | $650.74 |
| Minneapolis, MN, 18-month | $24.99 biweekly | $1.00 | none listed | $54.15 | $650.74 |
| Jacksonville, FL, 24-month | $25.00 biweekly | $1.00 | $49.00 | $54.17 | $700.00 |
| Jacksonville, FL, 12-month | $28.00 biweekly | $1.00 | $49.00 | $60.67 | $778.00 |
| Chicago, IL, 12-month | $28.95 biweekly | $0.01 | $25.00 | $62.73 | $777.71 |
| Indianapolis, IN, month-to-month | $34.99 biweekly | none listed | $49.99 | $75.81 | $959.73 |
Monthly equivalents assume 26 biweekly payments a year, which is what biweekly billing actually means. Year-one totals are dues plus the fees shown on that club’s own join panel.
The spread inside one brand is close to two to one. The same 12-month commitment costs $19.99 biweekly at a Minneapolis club and $28.95 biweekly at a Chicago club, and a month-to-month plan in downtown Indianapolis costs $34.99 biweekly, which is $909.74 over a year before a single fee.
The cross-check nobody else has
Franchise brands have to file a Franchise Disclosure Document with state regulators, and Item 19 discloses what franchisees actually collect. In the 2026 Anytime Fitness FDD registered in Wisconsin on March 31, 2026, Item 19 covers 1,683 franchised centers open for the full 12 months ended February 28, 2026. Average membership revenue per center was $341,503 against an average monthly membership count of 660.
Divide one by the other and the system-wide average member paid about $517 a year in dues, or roughly $43 a month. That is the bottom of the advertised range, not the middle, and there is a reason: the FDD counts frozen and delinquent members, and legacy members sit on rates set years ago. The number you will be quoted as a new member is the top of the range, not that average.
The same filing reports 2,269 franchised centers in the system as of February 28, 2026, while the club pages advertise 24/7 access to more than 6,000 locations across the globe. Both can be true, since the worldwide figure includes international and company-owned clubs, but if you are choosing Anytime Fitness for U.S. convenience, the audited domestic franchise count is the number to plan around.
What Drives the Price
Biweekly billing, not monthly
This is the single most expensive misunderstanding in the category. A rate quoted “due biweekly” is charged 26 times a year, not 12. A $24.99 biweekly plan is $649.74 a year, which is $54.15 a month, not the roughly $50 most people assume. Do the multiplication before you compare Anytime Fitness to a gym that quotes monthly.
The key fob fee hiding under another name
Four of the six clubs we read listed a fee for 24-hour door access, and none of them called it a key fob fee on the join panel. It appears as “Security Activation,” and it ran $25.00 in Chicago, $49.00 in Jacksonville and on two Indianapolis plans, and $49.99 in Louisville and on the Indianapolis monthly plan. Anytime Fitness’s FAQ confirms that a lost fob means buying a replacement from your home club, at a price the club sets, and that clubs do not allow letting another member open the door for you.
Contract length, which does not always work the way you expect
Longer usually means cheaper, but not always. In Indianapolis the 24-month plan was $22.99 biweekly against $24.99 for 12 months and $34.99 month to month, the pattern you would expect. In Minneapolis it ran backwards: the 12-month promotional plan was $19.99 biweekly and the 18-month plan was $24.99. Price the shorter term too.
Enrollment fees are optional for the franchisee
The FDD says this plainly. Item 19 excludes one-time enrollment fees from its revenue tables because “these fees are not charged by all centers and the fees are not consistent between centers.” We saw that in the wild on a single day: $0.01 in Chicago, $1.00 at three clubs running promotions, $99.99 on the Louisville 18-month plan, and no enrollment line at all on the Indianapolis plans.
The same club can quote you two different structures
Louisville is the cleanest example. Its promotional 12-month plan was $24.99 biweekly with a $1.00 enrollment and no access fee shown, while its 18-month plan on the same page the same day was $21.99 biweekly with a $99.99 enrollment and a $49.99 Security Activation. The lower headline rate carried $149.98 in one-time fees against the other plan’s $1.00, which is why it ends up costing $71 more in year one.
Cash Price vs. Insurance
There is no insurance price for a gym membership, and the HSA and FSA angle is where people get burned. Anytime Fitness club pages carry a “You may qualify to use your HSA/FSA” link that routes to a third party offering a $15 virtual consultation for a Letter of Medical Necessity. The same panel discloses that the provider is unaffiliated, that Anytime Fitness is not a healthcare provider, and that it makes no representation that its membership qualifies for HSA or FSA coverage.
IRS Publication 502 is the authority here, and it is blunt: you cannot include membership dues in a gym, health club or spa. The narrow exception is treatment for a specific disease diagnosed by a physician, which is what a Letter of Medical Necessity is meant to document. Do not sign up assuming pre-tax dollars will cover it. Confirm with your plan administrator first, and read our gym membership cost guide for how Medicare Advantage fitness benefits and other routes compare.
How to Pay Less
Get the annual number in writing, not the biweekly one. Ask the club for dues times 26, plus enrollment, plus the access fee, plus any annual charge, as one figure. That is the only number that compares across gyms. You can sanity-check it against local rates with our fair price checker.
Price at least three clubs in your metro. Franchise pricing is local, and neighboring clubs under different owners can differ by $10 or more biweekly, which is over $250 a year. The club pages publish plan panels, so you can compare before you walk in.
Join during a promotion, and screenshot it. Every discounted enrollment fee we saw was a limited-time offer, from $1.00 “Join for $1” deals to a $0.01 Chicago enrollment. These are time-boxed and new-member only, so the price in an article written last spring will not match today. Save the page you were shown.
Ask whether the access fee can be waived or bundled. It is a club-level charge on club-level hardware, which means the person in front of you can usually move it. It is also the fee most likely to be quietly added at checkout, so raise it before you sign.
Check for a student, family, corporate or senior rate. Several clubs publish reduced tiers, including discounted student memberships and family plans where additional members pay a lower biweekly rate. If money is tight, the same sliding-scale logic that governs free and sliding-scale clinics applies at community rec centers and Ys, which are usually cheaper than a franchise gym.
Cancel in writing through your home club and keep proof. Anytime Fitness routes freeze and cancel requests to the club that holds your agreement, and each club’s contract sets the notice period and any termination fee. Send it in writing, keep delivery confirmation, and if charges keep hitting your card after cancellation, treat it like any other bad recurring charge. Our guide to negotiating a bill covers how to document and escalate a disputed charge.
The Bottom Line
Budget $520 to $960 for a first year at Anytime Fitness, with the low end reserved for a promotional 12-month plan at a cheap club and the high end for month-to-month at an expensive one. The system-wide average member pays around $43 a month according to the 2026 FDD, but new joiners are quoted at the top of that range.
Buy Anytime Fitness for the thing it actually sells, which is 24/7 keyed access and the ability to walk into any club in the network on a work trip. If you want unlimited access at one location and never travel, cheaper chains exist. If you want coached group classes instead of a gym floor, compare Orangetheory, which sits under the same parent company, Purpose Brands, and prices per class rather than per month. And if what you really need is supervision rather than access, a few sessions with a personal trainer may buy more progress than twelve months of dues.