7 Ways to Meet Your Fitness Goals on a Limited Budget

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.


  • Even if you don't have a lot of extra cash on hand, you can make your fitness goals a reality.
  • Taking free or low-cost fitness classes, buying used exercise equipment, and working out in nature can allow you to prioritize fitness no matter your financial situation.

It's possible to prioritize fitness goals without going broke.

Regular exercise can improve mood, reduce stress, and strengthen your body. While there are many costly fitness and health programs available, you don't have to spend a lot of money if you want to prioritize your fitness goals. Many low-cost and free resources are available to help you succeed as you navigate your personal fitness journey.

1. Book free and low-cost classes

If you're on a limited budget and want to stay active, look for free or low-cost classes in your community. Some fitness instructors offer "pay what you can" classes to encourage more community members to work out regardless of their financial situation. Don't miss out on opportunities like this.

2. Buy used fitness equipment

Some people like to work out at home so they don't have to commit to an expensive monthly gym membership. Fitness equipment doesn't have to cost a fortune. If you want to create a gym space at home, consider buying second-hand fitness equipment. Facebook Marketplace, Craigslist, and local community groups are great places to find used fitness gear for sale.

3. Step outside for a free workout

When the weather cooperates, take your fitness routine outdoors. You can walk, jog, run, or hike outdoors for free. While this may not be an option during the colder winter months or on rainy days, it could help you save money when the weather is nice.

Our Picks for the Best High-Yield Savings Accounts of 2024

Rate info Circle with letter I in it. 4.25% annual percentage yield as of July 22, 2024
Min. to earn
Min. to earn
Rate info Circle with letter I in it. 5.31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank’s discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Min. to earn
$500 to open, $0.01 for max APY

4. Review your health insurance and employee benefits

Your health insurance could unlock fitness discounts. If you have health insurance, be sure to review your benefits before investing in fitness expenses. Some insurers offer discounted gym memberships or discounts on fitness equipment and fitness trackers. You may also want to review your employee benefits occasionally to avoid missing out on valuable perks. Some companies provide health and wellness perks that could help you waste less money.

5. Join a community center gym for a low-cost membership

Many towns and cities provide affordable fitness solutions to the community. If you want to join a gym or participate in group fitness classes without draining your checking account, check to see if any community centers in your area offer cheap fitness memberships. Often, community-focused fitness programs are cheaper than other health and fitness businesses.

6. Test out workout classes before joining

A monthly fitness class program or gym membership can be pricey. But the good news is that many businesses offer discounts to new customers so they can test out classes and equipment before committing to an expensive plan. As a new customer, you may be able to take advantage of a free trial or low-cost pass or may be able to accompany another member for free. Trials can help you decide if a membership is worth the cost before investing.

7. Find free online fitness resources

No matter your specific goals, many free resources are available online. Whether you're looking for a fitness plan, a nutrition guide, or a workout video -- you can probably find resources online for free. Free resources like this can help you spend less money.

Don't give up on your goals

Even if money is tight, it's possible to prioritize your fitness and personal finance goals at the same time. Look for ways to save and take advantage of freebies, so you don't overspend. You may be surprised at how many affordable health and wellness resources are available.

Alert: our top-rated cash back card now has 0% intro APR until 2025

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a lengthy 0% intro APR period, a cash back rate of up to 5%, and all somehow for no annual fee! Click here to read our full review for free and apply in just 2 minutes.

Our Research Expert

Related Articles

View All Articles Learn More Link Arrow