Medicare & Retirement Calculators

Free tools to help you understand your Medicare costs, Social Security benefits, and retirement planning.

Reviewed by Aaron Sims, Licensed Life & Health Agent since 2012

Free Retirement Planning Tools

Plan ahead with confidence

Medicare and Social Security have strict deadlines and complex rules. These calculators help you understand what you’ll pay, when to enroll, and how to avoid costly mistakes.

2026 rates included

Instant calculations

100% free to use

Medicare Calculators

Estimate costs, penalties, and find your enrollment dates

Part B Late Enrollment Penalty

Most Used

Didn't sign up for Part B when you were first eligible? Find out how much extra you'll pay each month — and for how long.

Use calculator

IRMAA Income Surcharge

Higher income? See if you'll pay extra for Medicare Part B and Part D premiums based on your tax return.

Use calculator

Medicare Eligibility & IEP Dates

Quick Check

Enter your birthday to see your 7-month Initial Enrollment Period and the best time to sign up without penalties.

Use calculator

Social Security Calculators

Plan when to claim and maximize your lifetime benefits

Social Security Break-Even

New

Compare claiming at 62 vs Full Retirement Age vs 70. See when delayed benefits catch up to early claiming.

Use calculator

Did you know? Your Social Security claiming decision affects your Medicare enrollment. If you’re not receiving Social Security at 65, you must actively sign up for Medicare to avoid penalties.

Need help understanding your results?

Our team can walk you through what these numbers mean for your situation and help you make the right choice.

Get free help