Free online Medicare Cost Calculator. Estimate Part A/B/C/D premiums, IRMAA surcharges, and out-of-pocket costs. Enter income and coverage selections. Pure frontend computation. | No signup · Data never leaves your device
Zero dependencies · Works offlineMedicare costs consist of several components:
Part B Premium: 2026 standard premium ~$174.70/month.
IRMAA: Higher-income beneficiaries (over $103,000/year) pay additional surcharges.
Part D: Prescription drug plan premium, varies by plan.
Out-of-Pocket: Includes deductibles, copays, and coinsurance.
Part A covers hospital stays (usually free), Part B covers outpatient care (standard premium ~$174.70/mo), Part C is Medicare Advantage, and Part D covers prescriptions. Higher-income beneficiaries pay IRMAA surcharges.
The Medicare Cost Calculator is free with no usage limits.
Yes, it uses responsive design and works on phones, tablets, and desktops.
All calculations happen in your browser — no data is uploaded to any server.