Whoop costs you $199 a year. That is the price of a Fitbit Charge 6 outright, and you pay it again next year. Most people see the monthly $17–$30 and never multiply by three. I have watched too many Whoop bands go dark after three months. The real question isn't whether $30 a month is a lot for a fitness tracker. It's whether you will actually use what it buys.

Three Prices, One Recurring Bill

Whoop now sells three membership tiers, each with the same hardware. The 5.0 and the MG share the same chassis. What changes is which software features are unlocked — and whether you get a wireless charger. Here is how they break down.

Whoop membership tiers as of early 2026 (sources: PCMag, CNET, Lifehacker).
TierAnnual CostDeviceChargerKey Missing Features
One$199 (or $149 with refurb 4.0)5.0 (or 4.0)WiredNo Healthspan, Stress Monitor, Health Monitor
Peak$2395.0Wireless PowerPackNone (full 5.0 package)
Life$359MG (metal clasp)Wireless PowerPackAdds ECG, blood pressure insights (FDA-objected)

I will say it plainly: Peak at $239 a year is the only tier that makes financial sense for the athlete who actually uses the recovery score every morning. Life at $359 adds ECG and blood pressure insights — but the FDA has objected to the blood pressure claims, and the Fitbit Charge 6 includes ECG for zero ongoing fee. One at $199 strips Healthspan, Stress Monitor, and the wireless charger — the very features that distinguish Whoop from a Fitbit. If you are not paying for Peak, you are probably better off with no subscription at all.