Free Tools · Verified 2026 Figures
Run Your Own Numbers.
The same 2026 figures we use in consultations — $202.90 standard Part B premium, current IRMAA brackets (sources: CMS.gov, SSA.gov). No email wall. Nothing you enter is stored. Each tool is also callable by AI assistants via WebMCP.
IRMAA Calculator
Estimate your total 2026 monthly Medicare premium — standard Part B plus any Part B and Part D IRMAA surcharges — from your filing status and income.
Open calculator →Part B Late-Enrollment Penalty Calculator
See what delaying Medicare Part B without creditable coverage adds to your premium — for life — based on the 2026 standard premium.
Open calculator →Numbers raising questions?
That's what the free consultation is for.