📊 Free Online Medicare Cost Calculator
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 offline📊 Input Data
📈 Results
📖 Formula Guide
🏥 Medicare Cost Breakdown
Medicare 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.
❓ FAQ
What are Medicare Parts A/B/C/D?
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.
Are there usage limits?
The Medicare Cost Calculator is free with no usage limits.
Does it work on mobile?
Yes, it uses responsive design and works on phones, tablets, and desktops.
Is my data secure?
All calculations happen in your browser — no data is uploaded to any server.