Medicare Calculators

When can I sign up?

Enter your birthday to see your Initial Enrollment Period, when coverage can start, and your Medigap window.

Born on the 1st of the month? Your dates start one month earlier. The calculator handles that for you.

Part B late penalty

If you sign up for Part B late, a penalty can be added to your premium. See how much.

How long did you go without Part B when you could have had it?

Don't count months you had health coverage from your own or your spouse's current job.

Part D late penalty

Going without drug coverage for too long can add a penalty to your Part D premium.

How long did you go without creditable drug coverage?

Count months after your Initial Enrollment Period ended. A gap of fewer than 63 days in a row doesn't cause a penalty.

Income-based premiums (IRMAA)

Higher incomes pay more for Parts B and D. For 2026, Medicare looks at your 2024 tax return.

Use your adjusted gross income plus any tax-exempt interest. Had a big life change, like retiring? You can ask Social Security to use a more recent year.