Orthodontic Payment Plan Calculator

Calculate monthly payments for orthodontic treatment using in-house plans, CareCredit, or other financing options.

Results

Visualization

How It Works

Most orthodontic offices offer in-house payment plans at 0% interest, making treatment very affordable when broken into monthly payments. Third-party financing like CareCredit offers promotional 0% periods but charges high interest if not paid off in time.

The Formula

0% Plan: Monthly = Financed / Months
With Interest: Monthly = P x [r(1+r)^n / ((1+r)^n - 1)]
Financed = Total - Insurance - Down Payment

Variables

  • P — Principal amount financed
  • r — Monthly interest rate (APR / 12)
  • n — Number of monthly payments

Example

$5,000 treatment - $1,500 insurance - $500 down = $3,000 financed. In-house 0% over 24 months = $125/month with zero interest.

Tips

  • Always choose in-house 0% financing over credit cards when available
  • CareCredit promo periods mean DEFERRED interest - pay in full or get charged 26.99% on the entire original balance
  • HSA/FSA dollars can cover orthodontics tax-free
  • Larger down payments reduce monthly payments - negotiate if you can pay more upfront
  • Some offices offer a 5-10% discount for payment in full at the start

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