Ordered wizard · unlock the next gate only after the current step passes · local comparison, not a single promised refund number
错误原因分叉会整单算错。身体健康、没时间、消费者侧搬家，通常仍是消费者原因（可依第 13 条第 2 款请求解除，但折价走第 19 条打折前价格）。经营者迁店明显不便、擅自转给第三人、闭店或不能正常提供不限次服务，才是非消费者原因（第 13 条第 1 款、第 18 条）。
非正式法律意见（结果卡后）。 试算不是胜诉保证，也不是律师服务。调解或判决可能不同于试算。不上传数据。不适用于多用途预付卡。
对照表尚未生成。请先选择退费原因。本页按法释〔2025〕4号做本地试算，非正式法律意见。
第 14 条：消费者自付款之日起七日内请求返还预付款本金，应予支持，但有下列情形之一的除外。勾选任一则关闭本分叉，请改走其他原因。对消费者更有利的无理由退款约定优先。
买 50 送 10 属于赠送同质次数，不是赠送金额。折扣与赠送并存时两项都算、并列展示，不擅自合成第三套公式。
数字只在你的浏览器里计算。单位：元或次/天，按你的合同习惯填写同一口径即可。
结果在下方对照表与可复制文本中。请向下滚动阅读免责声明之后的数字。本步不产生「你能拿回确定金额」的承诺。
你可以复制对照结果，连同合同、付款、已用记录和沟通截图，去协商、12315 / 消协或考虑小额诉讼。闭店可关注示范判决 / 批量调解，不承诺结果。
Chinese prepaid consumption disputes around gym cards, beauty stored-value cards, and training lesson packs still recur after Interpretation SPC 2025 No. 4 took effect on 1 May 2025. People usually search after a shop quotes a low refund or even claims the consumer owes extra money. Nearby free tools answer a different job: a gym-card “is it worth buying” calculator, a general rights-defense script, or a Taiwan contract refund estimator. This page is a mainland ordered wizard: choose the refund reason, choose session card versus time card, describe discount / gift amount / gift sessions, enter prepaid and used figures plus the merchant quote, then read a comparison table.
The comparison table shows the statutory trial refund, any contract figure that is more favorable to the consumer, the merchant quote, the gap, and an Article 20 no-overdraft warning when original-price redemption exceeds the prepaid amount. It never auto-deducts Article 15 “reasonable expenses” (staff commissions are not reasonable expenses) and never auto-values Article 21 heterogeneous gifts. Multi-purpose prepaid cards are out of scope under Article 26. Interest under Articles 16–17 and punitive damages under Article 23 are explained on the FAQ path list only.
How it works, in order: classify the reason; check the two seven-day exceptions; pick the card type; pick the privilege form; fill the numbers including optional contract math and market price the user supplies; export the comparison plus evidence and 12315 / consumer-association / small-claim paths. Next: how-to · FAQ · use cases.
Sources to re-read before you negotiate: the SPC publication page, the Zhangping personal-training case write-up, the 2026 typical closed-gym case, and the 2026 news investigation about refunds that first demand extra payment. This site is not affiliated with any court, gym, or law firm.