Free Medicare
Calculators
Accurate. Current. Easy to Use.
Get personalized estimates for your costs, surcharges, penalties, and important Medicare dates — all using this year’s official figures.
- 100% FreeNo signup required
- Up-to-Date2026 official numbers
- Made for YouYour situation, your results
Get your numbers in minutes!Call us free at 435-219-5120 (TTY: 711) and we’ll help you understand them.
Choose a Calculator
Medicare Cost Estimator
Compare a Medigap path vs a Medicare Advantage path and see your total yearly cost.
Estimate Your CostsPart D Drug Cost Calculator
Estimate your yearly drug costs with the new $2,000 out-of-pocket cap.
Calculate Drug CostsIRMAA Calculator
See your income-based Part B and Part D surcharge from your MAGI.
Check Your IRMAAExtra Help & Savings Estimator
See if you qualify for programs that can help with premiums and drug costs.
See If You QualifyLate Enrollment Penalty Calculator
Estimate your combined Part B and Part D late-enrollment penalties.
Calculate PenaltyPart B Late Penalty Calculator
Estimate just the permanent penalty for enrolling in Part B late.
Calculate PenaltyEnrollment Timeline
Find your exact Initial Enrollment Period dates from your birthday.
Find My DatesEnrollment Countdown
A live, ticking countdown to your Initial, Annual, and General Enrollment Periods.
Start My CountdownEligibility Calculator
See if you qualify for Medicare now — before or after 65 — and your key dates.
Check EligibilityDrug Cost Calculator
Estimate your monthly and annual medication costs and see lower-cost generic alternatives.
Estimate Drug CostsFormulary Lookup
Search a medication to see its typical Part D tier, restrictions, and generic alternatives.
Look Up My DrugMedicare Plan Quiz
Answer 7 quick questions to see which type of coverage may fit you best.
Take the QuizMedicare Adventure Game
Learn Medicare by playing — five stages, points, and badges. No timer, no signup.
Play the GameMedicare Journey Game
Explore Medicare Valley: walk the road, solve puzzles, and help a neighbor make smart choices.
Start the JourneyTurn Your 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.
Frequently Asked Questions
Are these calculators free?
Yes — completely free, and they run right in your browser. Nothing is stored or shared.
How accurate are they?
They use the current year’s official CMS and Social Security figures for solid estimates. Your exact numbers depend on your specific plan and situation — which is what we help with.
Where do the numbers come from?
Official published sources: CMS Medicare premiums and deductibles, the Social Security IRMAA brackets, and the current Part D coverage rules.
Helpful Resources
Related
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.