Free Medicare Calculators
Put real numbers to your Medicare decisions. These 6 free calculators run right in your browser, using the current year’s official figures — estimate your costs, your income surcharge, your penalty, your enrollment dates, and whether you qualify for help. Then call us to turn the estimate into a plan.
Medicare decisions come down to numbers. These 6 free calculators help you see yours — costs, surcharges, penalties, timing, and assistance — right in your browser, using the current year’s official figures.
- Medicare Cost Estimator
Compare a Medigap path vs a Medicare Advantage path — total yearly cost for your situation.
- Part D Drug Cost Calculator
Estimate your yearly drug costs with the new $2,000 out-of-pocket cap.
- IRMAA Calculator
See your income-based Part B and Part D surcharge from your MAGI.
- Extra Help & Savings Program Estimator
See if you qualify for help paying your premiums and drug costs.
- Part B Late Penalty Calculator
Estimate the permanent penalty for enrolling in Part B late.
- Enrollment Timeline
Find your exact Initial Enrollment Period dates from your birthday.
Turn the Estimate Into a Plan — Free
Calculators give you a number; we give you the plan behind it. Call us free at 435-219-5120 (TTY: 711) and we’ll run the numbers for your exact doctors, drugs, and budget. Start anywhere in the Medicare Help Center.
Frequently Asked Questions
Are these calculators free?
How accurate are they?
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.