Free tools
Medical bill tools that actually help
Free, no-signup tools to help you understand, calculate, and fight your medical bills. Use them anytime.
Letter generator
Negotiation Letter Generator
Generate a ready-to-send medical bill negotiation letter in under 2 minutes. Enter your details, download the letter.
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Calculator
EOB Calculator
Calculate your estimated patient responsibility from your EOB numbers. Verify what you actually owe.
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Calculator
Payment Plan Calculator
See how long it will take to pay off your medical bill based on your monthly budget. Find the right plan.
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Decision tree
Should I Pay This Bill?
A quick decision tree to help you decide whether to pay now, negotiate, dispute, or wait.
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Want a deeper analysis?
These tools give you a starting point. For a full analysis of your medical bill — including likely billing errors, a personalized action plan, and dispute-ready letters — upload your bill to Clearwell.
Analyze your medical bill