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Cancellation cost calculator

How much will it cost to cancel your gym membership, phone contract, or subscription right now? Get the number — then check whether cancelling is even supposed to be this hard.

A fixed-term contract can lock you into a real cost to exit — but the company may still be legally required to make the act of cancelling itself simple. Those are two separate issues: this calculator answers the cost one; the legal note below the results answers the process one.

Is cancelling even supposed to be this hard?

Separate from the cost above — this is about the FRICTION of cancelling, not what it costs. Fixed context, not jurisdiction-selected.

Current as of mid-2026

The FTC's federal "Click-to-Cancel" rule — which would have required cancellation to be as easy as sign-up nationwide — was vacated by the Eighth Circuit Court of Appeals in July 2025. In February 2026, the FTC restored only a much narrower older rule that covers just a small category of subscription clubs (the classic "book of the month" model), not general subscriptions or memberships. The only remaining federal protection is the Restore Online Shoppers' Confidence Act (ROSCA), which requires "simple mechanisms" to cancel but doesn't spell out exactly what that means in detail.

Because of that gap, this now depends almost entirely on state law

  • California has the strongest rule in the country (Cal. Bus. & Prof. Code § 17602, amended by AB 2863, in force for contracts entered into or renewed on or after July 1, 2025): cancellation must be at least as easy as signing up — if you signed up online, you must be able to cancel online, with a clearly visible cancellation button, not buried behind a retention flow or a required phone call.
  • Colorado requires a one-click online cancellation link for consumer subscriptions sold online (Colorado Online Cancellation Act, in force since August 2025).
  • New York requires clear disclosure of renewal terms and consent before price increases (amended rules took effect November 2025).
  • Illinois, Minnesota, Oregon, South Carolina, Tennessee, Utah, Vermont, and Virginia have also passed their own auto-renewal disclosure/cancellation rules in recent years, generally less strict than California's.
  • Texas, Michigan, Georgia, and Pennsylvania had similar bills pending as of 2026 but no law in force yet — there's no protection to rely on in these states currently.

If a company is making cancellation itself needlessly hard — burying the button, requiring a phone call when you signed up online, forcing you through a retention gauntlet — that may itself be illegal in your state, separately from whatever this contract costs you to exit.