Medical Payment Plan Calculator

Compare a discounted pay-now amount, provider installments, a credit-card payoff plan and a simplified deferred-interest scenario.

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The prefilled values are an example. Replace them with your own figures. All money amounts are in US dollars.

Medical bill balance (USD)

Pay-now discount (%)

Provider plan term (months)

Provider plan APR (%)

Provider plan setup fee (USD)

Credit-card payoff term (months)

Credit-card APR (%)

Deferred-interest promotion (months)

Deferred interest APR if terms are missed (%)

Planned deferred-plan payoff (months)

Calculated locally in your browser. This calculator does not send your inputs or save them on the server.

How to use this tool

Replace the example values with the written terms or costs that apply to you. Select Calculate, review the limitations, and compare another scenario before making a decision.