Payment Plan Calculator
Enter your medical bill and monthly budget to see how long it'll take to pay off — and how much different payment methods really cost you.
Your Medical Bill
How Payment Plans Work
Hospital Payment Plans
Most hospitals offer 0% interest plans of 12–60 months. Under the No Surprises Act, nonprofit hospitals must offer financial assistance. Always ask first.
Medical Credit Cards
Cards like CareCredit offer 0% promos for 6–24 months. But if you miss a payment or don't pay in full before the promo ends, you owe all the deferred interest — often 26.99% APR.
Regular Credit Cards
Using a regular credit card means 15–25% APR from day one. On a $5,000 bill, that could mean $1,500+ in extra interest. This should be a last resort.
Financial Assistance
If your bill exceeds 3× your monthly income, you may qualify for charity care, sliding-scale discounts, or Medicaid. Don't pay until you check.
Your Payment Plan
Here's what your payoff looks like