Estate planning as a Peloton account holder

Peloton sells connected-fitness equipment (the Bike, Bike+, Tread, Tread+, and Row) and runs the subscriptions that unlock its classes. The All-Access Membership is tied to one household at a single residential address and is required to use the equipment; the separate App Membership is a single-user subscription that works on phones, tablets, and the web without Peloton hardware. The estate-relevant pieces split five ways: the recurring membership (which auto-bills until cancelled and cannot be inherited), the account profile and workout history (account-bound), the physical equipment (a tangible asset that passes through the estate), the 12-month hardware Limited Warranty (which Peloton states does not transfer to a second-hand owner), and any Peloton Protection Plan (which Peloton states is transferable if sold on or after April 5, 2022, and can be returned at any time for a pro-rated refund). A family member who keeps a Bike, Bike+, Tread, Tread+, or Row must set up their own Peloton account and All-Access Membership and pay a one-time used-equipment activation fee; the deceased member's membership does not transfer with the device.

When a Peloton account holder dies, their accounts are forfeited. The program's terms state that accounts do not constitute property of the account holder and cannot be transferred upon death, by operation of law, or through estate planning documents.

What happens at death

A Peloton membership does not transfer to anyone at death. The Peloton Membership Terms (Last Updated October 1, 2025) state that Activation Codes "have no cash value, even if tied to a set prepaid Membership period," that they "may not be assigned, transferred, traded, or pledged to any third party by the recipient except as may be expressly authorized by Peloton," and that they "cannot be transferred by operation of law, such as by inheritance, in bankruptcy, or in connection with a divorce." The Terms of Service add that "Gift or promotional Peloton Memberships, including gifted Peloton All-Access Memberships, cannot be assigned, transferred, purchased or sold, redeemed for cash or credit or any other monetary value or currency, or used to pay debts by the recipient." Because a Peloton Membership recurs on a monthly or annual basis until it is cancelled, an unmanaged membership keeps charging the deceased member's payment method until a survivor cancels it, and the Membership Terms state the member "will not be eligible for a prorated refund of any portion of the Peloton Membership fee paid for the then-current Peloton Membership period." The physical equipment is different: the Bike, Bike+, Tread, Tread+, or Row is tangible property that passes through the estate like any other personal property. What rides with it is limited and specific. Peloton states that "Peloton's Limited Warranty is not transferable to second-hand owners" and that the 12-month Limited Warranty "does not transfer to a second-hand buyer," but that "Peloton Protection Plans purchased on or after April 5, 2022, are transferable," provided the new owner obtains and keeps the original owner's protection plan order confirmation. Only the original owner is eligible to buy a Protection Plan, and Peloton states that Protection Plans "can be returned at any time for a pro-rated refund" -- so an estate that is selling the equipment has a real refund question to put to Peloton. A family member who keeps the equipment cannot inherit the deceased member's membership along with it: the previous owner factory-resets the device, and the new owner signs in to (or creates) their own account, starts their own All-Access Membership, and pays a one-time $95 used equipment activation fee. Bikes from the Peloton Rental Program are the exception that blocks everything -- Peloton states they "cannot be resold or transferred" and that a resold rental Bike is ineligible for an All-Access Membership. The deceased member's profile and workout history remain attached to the account, not to the equipment, so a survivor who wants to preserve that history should download the workout data from the account before it is closed.