Health & money tools

Free, no-signup calculators for the financial side of your health decisions — insurance plans, HSAs and FSAs, medical costs, and major life events. Every tool shows real numbers and cites its sources.

27 resources

Calculator ACA Premium Subsidy Calculator Estimate your ACA marketplace premium subsidy from household income and size, and your net monthly premium. Open → Calculator Body Composition Calculator (BMI + Body Fat %) Get your BMI and your U.S. Navy body-fat percentage together, so you can see whether BMI is misreading a muscular build. Open → Calculator Calorie & Macro Calculator Get your daily calorie target AND your protein, carb, and fat grams in one tool, based on your body, activity, and goal. Open → Calculator CareCredit Deferred-Interest Calculator See the retroactive interest a deferred-interest medical card charges if you miss the promo payoff, and the payment needed to avoid it. Open → Calculator COBRA vs ACA Marketplace Cost Calculator Compare the total cost of COBRA versus a subsidized ACA marketplace plan over your coverage gap. Open → Calculator Cost of Having a Baby Calculator Estimate what childbirth will actually cost you out of pocket, by delivery type and your insurance plan. Open → Calculator FSA Tax-Savings Calculator Calculate the income and FICA tax you save by funding a healthcare FSA, and your effective discount on medical costs. Open → Calculator Generic vs Brand Drug Savings Calculator See how much switching from a brand-name prescription to its generic saves per month, per year, and over time. Open → Calculator HDHP vs PPO Health Plan Cost Calculator Compare the true annual cost of a high-deductible HSA plan versus a PPO based on your expected medical spending. Open → Calculator HSA Contribution Optimizer Find how much to contribute to your HSA this year to reach the IRS limit after employer money, and the tax you save. Open → Calculator HSA Growth Calculator — Project Your Health Savings Account's Tax-Free Growth Free HSA growth calculator: see how investing your Health Savings Account, instead of spending it down, could grow tax-free over decades. Includes a worked example and the triple-tax-advantage explained. Open → Calculator HSA vs Taxable Account Calculator Compare growing the same annual savings in a tax-free HSA versus a taxable brokerage account, and the dollar advantage of the HSA. Open → Calculator Is LASIK Worth It? A Glasses & Contacts Break-Even Calculator Free calculator that compares the lifetime cost of glasses and contacts against a one-time LASIK procedure — and shows the exact year LASIK pays for itself, with real 2025-2026 cost data. Open → Calculator IVF Cost Calculator Estimate the probability-weighted total cost of IVF across cycles, given per-cycle cost and success rate. Open → Calculator Long-Term Care Cost Calculator Project the future cost of long-term care with inflation and estimate the total cost of a multi-year stay. Open → Calculator Medical Debt Payoff Calculator See how many months and how much interest it takes to pay off a medical bill, and what monthly payment clears it faster. Open → Calculator Medical Emergency Fund Calculator Size the emergency fund you need for a bad health year: your plan's out-of-pocket max plus a living-expense buffer. Open → Calculator Medicare IRMAA Surcharge Calculator See your Medicare Part B and Part D income-related monthly adjustment (IRMAA) based on your MAGI and filing status. Open → Calculator Quit Smoking Savings Calculator See what you spend on cigarettes per year and what that money could grow to if invested instead. Open → Calculator Short-Term Disability Income Gap Calculator Estimate the income you would lose during a medical leave after short-term disability coverage and the waiting period. Open → Calculator Surgery Out-of-Pocket Cost Calculator Estimate what you will actually pay out of pocket for a planned procedure given your deductible, coinsurance, and out-of-pocket max. Open → Guide COBRA vs ACA Marketplace: Which Is Cheaper After You Lose Your Job? After a layoff, COBRA lets you keep your plan — but a subsidized ACA marketplace plan is often far cheaper. How to compare and decide. Open → Guide HDHP vs PPO: Which Health Plan Actually Costs Less? A data-driven guide to choosing between a high-deductible HSA plan and a PPO — premiums, deductibles, out-of-pocket max, and the HSA tax edge. Open → Guide How Much Does It Cost to Have a Baby in 2026? The real out-of-pocket cost of pregnancy and childbirth with insurance — vaginal vs C-section, deductibles, and the first-year budget. Open → Guide How Much Does IVF Cost? A Cycle-by-Cycle Breakdown What one IVF cycle really costs — medications, monitoring, and the odds — plus how to budget for multiple cycles. Open → Guide Is an HSA Worth It? The Triple Tax Advantage, Explained Why a Health Savings Account is the most tax-efficient account most people ignore — and how to turn it into a retirement powerhouse. Open → Guide Medical Debt in Collections: What Happens and How to Clear It What happens when a medical bill goes to collections, your rights, and a step-by-step payoff plan — including the new credit-report rules. Open →