Sermorelin Prepay Break-Even Calculator
Commit to three months, six months, a year, and the price per month comes down. That is the pitch, and it is usually true. It is not always true: one seller on our roster charges more per month for its three-month plan than for its own one-month plan, on the same page, in the same panel. This divides the total by the term, compares it against the rate you would pay with no commitment, and says which way it actually falls.
Start from a real plan
Every one of these is a published ladder from a seller we track, read off its own product page, with the date we last checked it. Load one, or type your own numbers over it.
Your numbers
Bodybuilding Health+, injection — the seller’s own words: the 3‑month plan is $165.67/mo ($497 billed once). Price verified Jul 31, 2026. The three-month plan works out dearer per month than this seller's own one-month plan. Read the Bodybuilding Health+ review.
Effective monthly rate
$165.67/mo
$497 ÷ 3 months, against a month-to-month rate of $159.
Break-even
3.13 months
$497 buys that many months at $159/mo. The prepay is behind until then, because the whole total is charged on day one.
Paid extra over the term
−$20
$159 × 3 = $477 paid monthly, against $497 prepaid — assuming all 3 months are used.
This prepay costs $6.67 a month MORE than paying month to month.
$497 across 3 months works out at $165.67 a month, and the same seller charges $159 with no commitment — $20 more over the term, paid up front, for the longer tie-in. A plan panel that presents the longer term as the saving is not describing these numbers.
If you stop early
What each month of the prepaid term has actually cost
The prepaid column does not fall when you stop. $497 left the account in month one, so stopping in month two means having paid $497 for two months of medication. This is the column a plan panel never shows, and it is the one that decides whether a commitment discount was a discount.
| Stop after | Paid month to month | Paid up front | Difference |
|---|---|---|---|
| 1 month | $159 | $497 | $338 more, paid up front |
| 2 months | $318 | $497 | $179 more, paid up front |
| 3 months | $477 | $497 | $20 more, paid up front |
The number above assumes you can get the money back. You mostly cannot.
A prepaid term is spent on the day it is charged. If the medication does not agree with you, if a clinician changes the plan, if the product is out of stock, or if you simply stop — the months already paid for do not come back as cash unless the seller says they will. Across the 52 seller reviews on this site, not one seller states a refund policy for an unused prepaid term on its sermorelin pages. Not a restrictive policy: no policy at all, published nowhere we could read it.
That absence does not mean a seller will refuse — several publish a “cancel anytime” line next to their monthly plans, which is a different promise about a different product. It means the terms of the largest single payment in the category are not written down anywhere a buyer can read before paying. The break-even above is arithmetic on the assumption that the term runs. Whether it can be unwound is a question for the seller, in writing, before the charge.
Sermorelin is a prescription compounded drug, and none of this is medical or financial advice. Nothing here is a recommendation to start, prepay, continue or stop — the calculator divides the numbers you type and says what they come to.
Why the break-even is not just the total divided by the term
Dividing gives the effective rate, which answers one question: what does a month cost if every month gets used? Break-even answers a different one. The whole prepaid total is charged at the start, so at any point before the end the comparison is the entire total against however many months of the monthly rate have actually gone by. A $405 three-month bundle against a $149 monthly rate does not draw level at month one or month two — it draws level at 2.7 months, and everything before that is money spent ahead of the benefit.
That is the number the plan panel cannot show you, because it is a number about the plan not working out.
Where the ladders came from
Each preset is a ladder published on a seller’s own product page, quoted in its own words, with the date we last read it. Where a seller publishes the per-month rate for a bundle rather than the bundle’s total, the total shown is that rate across the term, and the note says so. Where a seller sells no one-month plan at all, the rate being compared against is its shortest term, and the note says that too — a discount measured against a price nobody can buy is not a discount. Prices change without notice; check the figure on the seller’s page before you act on it, and tell us if it has moved.
For what a plan costs once the cadence and any required membership are counted, the cost calculator does that arithmetic, and every published price we hold is ranked on the standing month-to-month rate rather than on a prepaid quarter divided out to look smaller.