Medicare & Retirement Calculators
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. All tools use 2026 rates from CMS and SSA.
Medicare Calculators
Estimate costs, penalties, and find your enrollment dates
Medicare Eligibility & IEP Dates
Enter your birthday to see your 7-month Initial Enrollment Period and the best time to sign up without penalties.
Use calculatorPart B Late Enrollment Penalty
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 calculatorIRMAA Income Surcharge
Higher income? See if you'll pay extra for Medicare Part B and Part D premiums based on your tax return.
Use calculatorDrug Cost Calculator
Add your prescriptions to compare annual costs at Walmart, CVS, and Walgreens. Find the cheapest pharmacy for your medications.
Use calculatorRetirement Planning Calculators
Plan your retirement income and understand healthcare costs
Annuity Break-Even
See when your annuity payments exceed your premium. Compare guaranteed income to investing the lump sum.
Use calculatorLong-Term Care Cost Estimator
Estimate nursing home, assisted living, and home care costs in your state. See what Medicare doesn't cover.
Use calculatorHospital Indemnity Calculator
Compare hospital indemnity benefits vs. your Medicare out-of-pocket costs. See how much cash you could receive.
Use calculatorNeed help understanding your results?
Our team can walk you through what these numbers mean for your situation.
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Social Security Calculators
Plan when to claim and maximize your lifetime benefits
Social Security Break-Even
Compare claiming at 62 vs Full Retirement Age vs 70. See when delayed benefits catch up to early claiming.
Use calculatorDid 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.