Embarking on a journey to a straighter, healthier smile is exciting. However, understanding the financial aspect of orthodontic treatment is a crucial first step for many individuals and families. The cost of braces can vary significantly based on a number of factors, making it difficult to budget without a clear picture. To empower you with the information you need, we’ve developed this comprehensive and user-friendly braces cost calculator. Use this tool to get a reliable, real-time estimate of your potential monthly payments and explore different financial scenarios to find a plan that works for you.
Estimate your monthly payments for orthodontic treatment.
Estimated Monthly Payment
$161.00
over 24 months
✨ Interest-Free Monthly Payment Option ✨
$145.83 / month
Calculation as of:
Our calculator is designed to be intuitive and interactive. By adjusting a few key details, you can see how different variables will impact your monthly financial commitment.
1. Amount of Treatment Cost: Start by entering the total cost of the proposed orthodontic treatment. This figure is typically provided by your orthodontist after an initial consultation. Our slider ranges from a general estimate to a more comprehensive treatment cost.
2. Initial Payment: Decide on the amount you are comfortable paying upfront. A larger down payment can significantly reduce your financed amount and lower your monthly payments.
3. Estimated Insurance: If you have dental insurance that covers orthodontics, enter the estimated amount your policy will contribute. This is a critical factor in reducing your out-of-pocket expenses.
4. Term Length: Choose the length of the payment period in months. A longer term will result in lower monthly payments, while a shorter term will help you pay off the treatment faster.
5. APR (%): Input the Annual Percentage Rate (APR) if you are considering financing through a third-party lender or an in-house payment plan that includes interest. For an interest-free plan, you can set this to 0%.
The calculator will instantly display your Estimated Monthly Payment and also show a special Interest-Free Monthly Payment Option to give you a complete financial overview.
The total cost of your orthodontic treatment isn’t a one-size-fits-all number. Several key elements play a role in the final price.
The material and style of braces you choose are major cost drivers.
Traditional Metal Braces: Usually the most affordable and effective option.
Ceramic Braces: Tooth-colored brackets make them less noticeable but they come at a slightly higher cost.
Lingual Braces: Attached to the back of the teeth, they are virtually invisible but are more expensive due to customization.
Clear Aligners (e.g., Invisalign): A popular, removable option that often has a cost comparable to or higher than traditional braces.
A simple case of minor crowding that can be corrected in 12 months will naturally cost less than a complex issue involving bite correction that may take 24-36 months to resolve. The more appointments and adjustments required, the higher the overall cost.
The cost of living and overhead for dental practices can vary significantly from one city or state to another. A clinic in a major metropolitan area will likely have higher fees than one in a smaller town.
1. How accurate is this braces cost calculator?
This calculator provides a very accurate estimate based on the numbers you input. However, it should be used as a financial planning tool. For a precise, official quote and payment plan, you must consult directly with your orthodontist’s office.
2. Does insurance typically cover braces?
Many dental insurance plans include orthodontic benefits, but the coverage varies widely. Some plans may cover a percentage of the cost (e.g., 50%) up to a lifetime maximum. It is essential to check the specifics of your policy.
3. Are there financing options available besides what’s on the calculator?
Yes. Many orthodontic offices offer in-house, interest-free payment plans. Additionally, third-party healthcare financing companies like CareCredit offer loans specifically for medical and dental procedures. We recommend discussing all available options with your orthodontist’s financial coordinator.