Patient tools
Know what your care will cost
Free calculators for patients and families: tax-free health accounts, what a visit or procedure will cost, payment plans, dental benefits and prescriptions. No sign-up, and nothing you enter leaves your browser.
5 tools
HSA & FSA
Tax-free accounts for health and dependent care costs.
- HSA & FSAHSA Tax SavingsSee how much a Health Savings Account saves you in taxes at the 2026 limits.
- HSA & FSAHealth FSA PlannerPick a health FSA amount that saves taxes without risking money you'd lose.
- HSA & FSADependent Care FSA SavingsCompare a dependent care FSA (up to $7,500 in 2026) with the child care tax credit.
- HSA & FSAHSA vs FSACompare a year with an HSA against a year with a health FSA, including what's left over.
- HSA & FSAGrow Your HSACompare investing your HSA and paying small bills from cash against spending it as you go.
4 tools
Insurance & visit costs
What a visit, a plan or a year of care is likely to cost.
- Insurance & visit costsHDHP vs PPOCompare a high-deductible plan with an HSA against a traditional PPO for your expected care.
- Insurance & visit costsVisit & Procedure Cost EstimatorEstimate what you'll owe for a visit or procedure after your deductible, coinsurance or copay.
- Insurance & visit costsAnnual Out-of-Pocket PlannerPlan a year of healthcare costs, up to your out-of-pocket maximum, and what to set aside monthly.
- Insurance & visit costsCash-Pay vs InsuranceIs the self-pay cash price cheaper than using your insurance? Compare both, including deductible credit.
5 tools
Payment plans & financing
Monthly payments, discounts and financing offers.
- Payment plans & financingTreatment Payment PlanTurn a treatment balance into a monthly payment over 3 to 24 months.
- Payment plans & financingPay in Full vs Payment PlanWeigh a pay-in-full discount against spreading the cost over a payment plan.
- Payment plans & financingDeferred-Interest Financing CheckCheck whether a "no interest if paid in full" offer will surprise you with back-charged interest.
- Payment plans & financingElective Procedure FinancingCompare paying cash, a personal loan and a credit card for an elective procedure.
- Payment plans & financingSave for a ProcedureFind the monthly (or per-paycheck) savings that covers a planned procedure by your target date.
3 tools
Dental & orthodontic
Dental benefits, membership plans and braces.
- Dental & orthodonticDental Treatment Cost EstimatorEstimate your share of a dental treatment plan with coverage tiers, a deductible and an annual maximum.
- Dental & orthodonticDental Membership Plan vs Pay-as-You-GoSee whether an in-office dental membership plan beats paying full fees for your expected care.
- Dental & orthodonticBraces & Aligner Payment PlanEstimate monthly payments for braces or clear aligners after insurance and HSA/FSA tax savings.
3 tools
Prescriptions & bills
Medications, memberships and paying down medical bills.
- Prescriptions & billsDirect Primary Care vs Insurance-OnlyCompare a direct primary care membership with paying for primary care through insurance alone.
- Prescriptions & billsPrescription Cost ComparisonCompare brand vs generic, 30-day retail vs 90-day mail order, and discount card prices for a year.
- Prescriptions & billsMedical Bill Payoff PlannerPlan how to pay down medical bills, including what a negotiated discount or financial assistance saves.
For practice owners
Put these calculators on your practice website
Every tool can be embedded for free. They're ad-free, resize themselves, follow light or dark mode, and can match your brand color. Patients get answers before they call; your front desk gets fewer billing questions.
Open the embed library