This invention relates to novel transdermal or transmucosal pharmaceutical formulation having an active agent of testosterone which reduces the occurrences of contamination of other individuals and the transference to clothing of the user. The solvent system of the formulation includes a monoalkylether of diethylene glycol and a glycol present in specified ratios, and a mixture of water and alcohol. The invention also relates to a method for inhibiting or delaying crystallization of the active agent in a pharmaceutical formulation.