Medical Debt Payoff Calculator
See exactly how long it'll take to pay off your medical debt — and how much you could save by negotiating, getting financial assistance, or switching payment strategies.
Your Medical Debt
Enter your bill details. We'll calculate your payoff timeline and show you ways to reduce what you owe.
0% for direct hospital payment plans. Enter your rate if on a credit card.
$25/mo
$2,000/mo
Or enter a specific amount:
This debt is in collections
⚠️ Medical debt in collections? You have rights under the Fair Debt Collection Practices Act (FDCPA). Collectors must validate the debt before collecting. Medical debt under $500 can't appear on your credit report, and paid medical debt must be removed. Learn your rights →
🏥 This is a nonprofit hospital. Under IRS Section 501(r), nonprofit hospitals are required to offer financial assistance programs (charity care). Depending on your income, you may qualify for a 50–100% reduction.
| Household size | 200% FPL | 300% FPL | 400% FPL |
|---|---|---|---|
| 1 person | $31,080 | $46,620 | $62,160 |
| 2 people | $42,120 | $63,180 | $84,240 |
| 3 people | $53,160 | $79,740 | $106,320 |
| 4 people | $64,200 | $96,300 | $128,400 |
| 5 people | $75,240 | $112,860 | $150,480 |
| 6 people | $86,280 | $129,420 | $172,560 |
2026 Federal Poverty Level thresholds. Most hospitals cover at least 200% FPL; many go up to 300–400%.
Your Current Payoff Plan
$0
total paid over 0 months
Months to payoff
0
Total interest paid
$0
Total amount paid
$0
Balance Over Time
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Frequently Asked Questions
Enter your total medical debt, interest rate (if any), and what you can afford to pay monthly. The calculator shows your payoff timeline, total interest paid, and compares scenarios like negotiating a discount, getting financial assistance, or using a 0% balance transfer card.
Yes. Hospitals routinely accept 40–60% less than the billed amount for cash payments. This is especially true for uninsured patients or bills not yet in collections. Our calculator shows exactly how much you could save by negotiating a 40% discount.
Nonprofit hospitals are legally required under Section 501(r) of the IRS code to offer financial assistance programs. Depending on your income relative to the Federal Poverty Level, you may qualify for a 50–100% reduction in your bill. In 2026, a family of 4 earning under $128,400 may qualify at hospitals that cover up to 400% FPL.
Medical debt under $500 no longer appears on credit reports. Paid medical collections must be removed. Unpaid medical debt over $500 can only appear after 365 days. If your debt is in collections, you have rights under the Fair Debt Collection Practices Act (FDCPA).
Generally no — credit card interest rates (24–30%) can dramatically increase your total cost. However, a 0% introductory APR balance transfer card can be smart if you can pay it off before the promotional period ends. Our calculator compares this scenario for you.