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    Medspa and wellness treatment financing calculators

    Work out a monthly payment, see what a deferred-interest promotion could cost if you fall short, and estimate pre-tax HSA or FSA savings. You enter every number from your own offer.

    Monthly payment calculator

    See the monthly payment and total repaid for a fixed-rate plan or loan. Use 0 for an interest-free plan.

    Enter your numbers to see an estimate.

    Deferred interest calculator

    Find the payment that clears a promotional balance in time, and estimate what could be added if you fall short.

    Enter your numbers to see an estimate.

    HSA and FSA savings estimate

    If an expense is eligible and you pay it from pre-tax HSA or FSA money, this estimates the tax you avoid. It does not tell you whether a treatment is eligible.

    Enter your numbers to see an estimate.

    These calculators run in your browser. Nothing you type is stored or sent. Results are estimates, not offers, and are not financial, tax or medical advice.

    This is general information, not financial, tax or medical advice. MedSpa Listings does not lend money, rate lenders or receive payment from the lenders named here. Terms, rates and availability are set by each lender and clinic and change over time, so read the lender's own terms before you apply.

    How to use the results

    Use the monthly payment calculator to compare plans on total repaid rather than the monthly figure. A lower payment spread over more months usually costs more overall.

    Use the deferred interest calculator whenever an offer says interest is waived if you pay in full. It shows the payment that clears the balance and how much interest could be added if you fall short.

    Use the savings estimate only for expenses your plan administrator has confirmed are eligible.

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