Tools
Medicare calculators
Simple estimates using public 2026 CMS figures. They do not enroll you, name a plan, or replace Medicare.gov or Social Security.
- CalculatorMedicare eligibility dateSee when Part A and Part B can start at 65, and your Initial Enrollment window.
- CalculatorPart B late enrollment penaltyEstimate the 10% Part B surcharge for each full 12-month delay.
- CalculatorPart D late enrollment penaltyEstimate the monthly Part D penalty using the 2026 national base premium.
- CalculatorIRMAA (higher-income premium)See 2026 Part B and Part D IRMAA using 2024 MAGI brackets from CMS.
- CalculatorCalifornia Medigap Birthday RuleFind the 60-day window that starts on your birthday if you already have Medigap.
- CalculatorOriginal Medicare cost estimatorAdd 2026 Part A and Part B figures for a simple yearly sketch — not a plan quote.
- CalculatorExtra Help screenerSee whether 2026 Extra Help income and resource limits might apply. Not a determination.
- CalculatorMedicare Savings Programs screenerQMB, SLMB, and QI monthly income sketches using 2026 federal figures. Apply through Medi-Cal.
- CalculatorMedigap Open Enrollment windowThe 6-month Medigap window after you are 65 and enrolled in Part B — not the Birthday Rule.
- CalculatorPart D $2,100 capSee how close you may be to the 2026 yearly Part D out-of-pocket cap. Not a drug list.
Educational answers — not a plan recommendation.
We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program. 2026 cost figures are from CMS public notices and should be confirmed on Medicare.gov. Figures can change.