Medicare Calculators & Planning Tools
Use our no-cost calculators to estimate costs, understand IRMAA surcharges, penalties, and plan your Medicare coverage.
IRMAA Calculator
See your IRMAA extra, the extra for the year, and the total monthly Part B amount for a single filer or a couple filing jointly.
Open CalculatorInitial Enrollment Period Calculator
Use this calculator to determine the 7 month initial enrollment period during which you can enroll in Medicare.
Open CalculatorPart D Late Enrollment Penalty Calculator
Estimate your Medicare Part D late enrollment penalty for 2026. Enter months without drug coverage to see your monthly Part D surcharge.
Open CalculatorPart B Penalty Calculator
Use this calculator to determine your penalty for failing to sign up for Medicare Part B at the correct time.
Open CalculatorCancer Insurance Calculator
Estimate coverage amounts and monthly premiums for cancer insurance policies to protect against unexpected medical costs.
Open CalculatorRecovery Care Calculator
Estimate costs for short-term recovery care insurance covering nursing facilities, assisted living, and home care.
Open CalculatorFull Retirement Age Calculator
Use this calculator to determine your Full Retirement Age (FRA) for receiving your Social Security benefits.
Coming Soon…Earnings Limit Calculator
Use this calculator to determine your earnings limit when taking Social Security before your Full Retirement Age.
Coming Soon…Need Personalized Analysis?
Our advisors can review your complete financial picture and help you choose the most cost-effective Medicare coverage.