A membership is small and forever; a home gym is a big one-time cost that then runs cheap. Enter both and your time horizon to see total cost each way and how long until the home setup pays for itself.
Gym
$
Home gym
$
$
Both
yrs
Verdict
Home gym — cheaper over this horizon
Gym — total cost
$2,400
Home gym — total cost
$1,700
The numbers
Home gym pays off after
3.16
US$3.99 · download & own it forever
Prices in
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A home gym only wins if you use it — factor in honesty about your habits. If a membership keeps you consistent, that's worth something the math can't show.
Resale value?
Quality equipment holds value; subtract expected resale from the home upfront cost for an even fairer comparison.