Healthcare costs, clearly calculated
Free tools to understand what you actually owe — insurance, taxes, debt, HSA, COBRA, and more. Nothing stored, no broker hand-off, all math runs in your browser.
Explore Calculators ↓All Calculators
Each tool runs instantly with no account needed. Your data never leaves your device.
Insurance Out-of-Pocket Calculator
See exactly how your medical costs split between you and your insurer — deductible, coinsurance, and OOP max.
HSA Tax Savings Calculator
Calculate your triple tax advantage — federal, state, and FICA savings plus long-term investment growth projections.
COBRA vs ACA Cost Calculator
Compare COBRA continuation vs. ACA Marketplace plans with estimated premium tax credits side by side.
Medical Expense Tax Deduction Calculator
Check if your medical expenses exceed the 7.5% AGI floor and whether itemizing beats the standard deduction.
Medical Debt Payoff Calculator
Build a payoff plan with negotiation discounts and see your debt-free date. Includes money-saving tips.
FSA Savings Calculator
Find the sweet spot between tax savings and use-it-or-lose-it risk. Flags forfeiture before you over-elect.
ACA Premium Subsidy Estimator
Estimate your Affordable Care Act premium tax credit based on household income, size, and plan benchmark.
Prescription Cost Comparison
Compare what you pay for a drug across insurance copay, GoodRx, manufacturer coupons, and cash price.
Medical Emergency Fund Calculator
Calculate how much to set aside for medical emergencies based on your deductible, OOP max, and risk tolerance.
BMI Calculator
Check your Body Mass Index with instant results. Visual BMI scale, healthy weight range, and imperial/metric support.
Calorie & TDEE Calculator
Calculate your daily calorie needs using the Mifflin-St Jeor equation. Targets for weight loss, maintenance, and gain.
Body Fat Calculator
Estimate your body fat percentage using the US Navy method. Just a tape measure needed.
Pregnancy Due Date Calculator
Calculate your due date from LMP, conception, or IVF transfer. Track milestones and trimester progress.
Why trust HealthFinance Tools?
Completely Private
All calculations run in your browser. We never collect, store, or transmit your financial or health information.
Transparent Formulas
Every calculator shows how the math works, with sources cited (IRS, CMS, HHS, KFF). No black boxes.
No Conflicts
We don't sell insurance, manage accounts, or take broker fees. You get neutral answers, not a sales funnel.
Open Enrollment is Coming
ACA Open Enrollment runs Nov 1 – Jan 15. Use our calculators now to compare plans, estimate subsidies, and optimize your HSA/FSA elections.