Free Calculator

Medical-Debt Payoff Calculator

Enter the balance and each option's terms. Estimates total cost and monthly payment for a lump-sum settlement, provider payment plan, and credit card payoff.

Medical balance ($)

Settlement offer (% of balance)

Provider plan length (months)

Provider plan APR (%)

Card payoff length (months)

Card APR (%)

Lump-sum settlement

$2100

Provider plan total

$4200

$175/mo

Credit-card payoff total

$5932

$165/mo

This balance is at or above $500 — if it reaches collections and stays unpaid for 12+ months, it can appear on your credit report.