Medicare calculators.
Run the numbers.
Five calculators using the official 2026 CMS figures. Nothing you type is stored or sent anywhere. Each one is also available to AI assistants through this site’s tool endpoint.
Check IRMAA.
Based on 2024 income. Part B totals shown.
IRMAA estimator (2026)
Enter your 2024 modified adjusted gross income to see whether you will pay a Part B and Part D income surcharge in 2026.
Part B late-enrollment penalty
10% of the standard premium for each full 12 months you could have had Part B but did not, for as long as you have Part B.
Part D late-enrollment penalty
1% of the national base premium ($38.99 in 2026) for every month without creditable drug coverage.
Initial Enrollment Period finder
Your seven-month window, your Medicare start date and the other windows that apply.
Medigap Plan G vs Plan N
Both leave you the $283 Part B deductible. Plan N trades a lower premium for copays. Enter the two premiums you were quoted.
Estimates only. IRMAA uses income the IRS reported for 2024; penalties assume no creditable coverage during the months entered. Call 801-255-5340 and an agent will run your exact numbers at no cost.
Questions,
answered.
How is the Medicare Part B late-enrollment penalty calculated?
10% of the standard Part B premium for every full 12-month period you could have had Part B but did not, added to your premium for as long as you have Part B. In 2026 the standard premium is $202.90.
How is the Part D late-enrollment penalty calculated?
1% of the national base beneficiary premium ($38.99 in 2026) times the number of full months without Part D or other creditable coverage, rounded to the nearest 10 cents.
What is IRMAA?
The Income-Related Monthly Adjustment Amount: an extra Part B and Part D premium for people whose modified adjusted gross income from two years earlier is above $109,000 (single) or $218,000 (joint) for 2026.
When is my Initial Enrollment Period?
The seven months around your 65th birthday: the three months before your birthday month, your birthday month and the three months after.
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