---
title: "Medicare Calculators: IRMAA, Part B and Part D Penalties…"
description: "Free 2026 Medicare calculators: IRMAA surcharge estimate, Part B and Part D late-enrollment penalties, your enrollment windows by birthday, and Plan G vs…"
url: https://eseniorinsurance-demo-v2.pages.dev/tools
dateModified: 2026-10-06
---

# Medicare Calculators

Five free 2026 calculators from Everything Senior Insurance. Nothing is stored and no sign-up is needed. Each one is also available to AI assistants through this site’s tool endpoint.

**Use these before you call.** The IRMAA estimator, Part B and Part D penalty calculators, enrollment-window finder and Plan G vs Plan N comparison use the official 2026 figures published by CMS in November 2025: a $202.90 standard Part B premium, a $283 Part B deductible, a $38.99 Part D national base premium and a $2,100 Part D out-of-pocket cap.

## IRMAA estimator (2026)

Enter your 2024 modified adjusted gross income to see whether you will pay a Part B and Part D income surcharge in 2026, and how much.

| 2024 MAGI, single | Married filing jointly | Part B total / month | Part D surcharge |
|---|---|---|---|
| Up to $109,000 | Up to $218,000 | $202.90 | $0 |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.06 | $14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.54 | $60.40 |
| $205,001 to $500,000 | $410,001 to $750,000 | $649.28 | $83.30 |
| Above $500,000 | Above $750,000 | $689.86 | $91.00 |

## Part B late-enrollment penalty

The penalty is 10% of the standard premium for each full 12 months you could have had Part B but did not, and it lasts as long as you have Part B.

## Part D late-enrollment penalty

1% of the national base beneficiary premium ($38.99 in 2026) for every month without Part D or other creditable drug coverage, rounded to the nearest 10 cents, for as long as you have Part D.

## When can I enroll? Initial Enrollment Period finder

Your seven-month Initial Enrollment Period, your Medicare start date and the other windows that apply, from your date of birth.

## Medigap Plan G vs Plan N

Both plans leave you the $283 Part B deductible in 2026. Plan N trades a lower premium for up to $20 office-visit and $50 ER copays and no coverage of Part B excess charges. Enter the two premiums you were quoted.

Estimates only. IRMAA uses the income the IRS reported for 2024; penalties assume no creditable coverage during the months entered. Call 801-255-5340 and an agent will run your exact numbers at no cost.

## Questions people ask about Medicare Calculators

**How is the Medicare Part B late-enrollment penalty calculated?**

**How is the Part D late-enrollment penalty calculated?**

**What is IRMAA?**

**When is my Initial Enrollment Period?**

Last updated: October 6, 2026 · Reviewed by [Christian Brindle, CEO and Founder](https://eseniorinsurance-demo-v2.pages.dev/about-us#christian-brindle). Published by the Everything Senior Insurance Data Desk. Sources: [2026 Medicare Parts A & B Premiums and Deductibles](https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles) · [Part D late enrollment penalty, Medicare.gov](https://www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty).