How to Cancel Peloton All-Access in 2026 (Your $1,400 Bike Works Without It)
Updated 2026-02-19 · 7 min read
🚲 The Sunk Cost Trap
You spent $1,445+ on the bike so you feel obligated to keep the $44/month All-Access subscription. But that's $528/year on top of equipment you already own. After 3 years, you've paid $1,584 in subscriptions alone — more than the bike itself. The bike works without the subscription. Stop paying the Peloton tax.
Peloton Pricing (2026)
All-Access (with equipment): $44/month — leaderboard, live classes, metrics tracking
App Membership (no equipment): $12.99/month — classes only, no bike integration
Equipment cost: Bike $1,445, Bike+ $2,495, Tread $3,495, Row $3,195
Annual All-Access cost: $528/year
5-year total cost of ownership: $4,085 (bike + 5 years sub) — that's a LOT of gym memberships
How to Cancel All-Access
Go to members.onepeloton.com → sign in
Click your avatar → Subscriptions
Click Cancel Membership
Peloton will offer retention deals — read below before deciding
Confirm cancellation
Your membership ends at the end of the current billing period
⚠️ Financing Lock-In
If you're still paying off the bike through Affirm financing, canceling the subscription does NOT affect your equipment payments. Those continue regardless. You can cancel the monthly membership while still paying off the bike — they're separate billing relationships.
What Works WITHOUT the Subscription
Your Peloton hardware doesn't become a doorstop when you cancel:
Just Ride mode: Free — ride with basic metrics (cadence, resistance, time). No classes but fully functional.
Heart rate monitoring: Still works with Bluetooth HR monitors
Scenic Rides: Some remain available without subscription
The screen: It's an Android tablet — you can use it to stream YouTube, Netflix, or any app via browser
Free Alternatives to Peloton Classes
YouTube cycling workouts: Thousands of free spin classes — GCN, The Sufferfest, Les Mills
Apple Fitness+ ($9.99/mo): Cycling + 11 other workout types — saves $34/month vs Peloton
Peloton App (free tier): Limited free classes available without a subscription
Zwift ($14.99/mo): Virtual cycling world — more immersive than Peloton for serious riders
Nike Training Club (free): Strength, HIIT, yoga — pairs well with unstructured cycling
Kinetic app by Wahoo (free): Structured cycling workouts for any indoor bike
The Resale Option
If you're truly done with indoor cycling:
Facebook Marketplace: Original Bike sells for $400-700 (2026 pricing)
Bike+: $800-1,200 resale
Tread: $1,200-1,800 resale
Factor in delivery cost: These are 135+ pounds — buyer usually arranges pickup
Depreciation: Peloton equipment loses 50-70% of value in 2-3 years
Break-even: If you sell for $600 and cancel the sub, you recoup 13+ months of subscription costs
The Retention Offers
Pause membership: 1-3 months free pause — good if you need a temporary break
Discounted rate: Some users report being offered $24-34/month for 3-6 months
App-only downgrade: $12.99/month — keep classes on your phone without bike integration
💡 The YouTube + Just Ride Combo
Cancel All-Access, use Just Ride mode with a YouTube spin class on the screen (or your phone propped nearby). You get guided workouts, music, motivation — and save $528/year. The bike's resistance knob and cadence sensor work without Peloton's software.
🔍 Fitness Subscription Audit
Peloton + gym membership + Apple Fitness+ + Strava + Fitbit Premium = $100+/month on fitness. Upload your bank statement to JustCancel to find every fitness-related recurring charge.