Medicare Cost Calculator
Five free calculators built on real published federal figures. Estimates update as you type. Want the exact numbers for your situation? Book a free review with Brian.
When can I enroll? (Initial Enrollment Period)
Your 7-month window around your 65th birthday.
IRMAA — income surcharge on Part B & D
Higher-income enrollees pay more. Based on your 2024 tax return (MAGI).
Part B late-enrollment penalty
10% added per full 12 months you were eligible but not enrolled — for life.
Part D late-enrollment penalty
1% of the national base premium per month without creditable drug coverage — for life.
Annual drug cost estimate ($2,100 cap)
Under the Inflation Reduction Act, covered Part D out-of-pocket is capped at $2,100.
Estimates use published 2026 federal figures (IRMAA brackets, standard Part B premium $202.90, Part D base $38.99, $2,100 drug cap). Verify specifics at Medicare.gov and SSA.gov.
Want your exact numbers?
These tools give a fast estimate. Brian can pull the precise figures for your income, ZIP, and prescriptions — free.