Free Tools

California Medicare Calculators

Four free tools using verified 2026 CMS figures. Estimate your premiums, penalties, and savings in under a minute.

Free Medicare Calculators Built for Californians

Every calculator uses verified 2026 CMS figures and runs entirely in your browser — nothing is stored, tracked, or sent anywhere. Results include the exact dollar amounts you can expect on your Medicare bills.

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2026 IRMAA Calculator

Enter your income and filing status to see your exact Part B and Part D premiums — including any high-income surcharge.
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Late Enrollment Penalty

Delayed Part B or Part D? Calculate the permanent monthly penalty you'd pay — and what it costs over 10 years.
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Medicare Savings Screener

Check whether your income could qualify you for California's QMB, SLMB, or QI programs that pay your Part B premium.
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Part D $2,100 Cap Estimator

See how the Inflation Reduction Act's annual cap protects you from high prescription costs in 2026.

How These Calculators Work

All figures come from the CMS 2026 Parts A & B fact sheet (Nov 14, 2025) and Medicare.gov. These tools give planning estimates — your actual amounts are determined by Social Security and your plan. For a personalized review, a licensed California agent can run your exact numbers at no cost.

Important Disclaimer CaliforniaMedicare.com is not connected with or endorsed by the United States government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. These calculators provide estimates for educational purposes only, using figures published in the CMS 2026 Medicare Parts A & B Premiums and Deductibles fact sheet (November 14, 2025). Results are not an official determination of your premiums, penalties, or eligibility — only the Social Security Administration and CMS can make official determinations, which depend on your individual records. Verify your specific amounts at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).

Frequently Asked Questions

Are these calculators free?
Yes. All calculators run in your browser using verified 2026 CMS figures. Nothing is stored or transmitted, and no signup is required.
How accurate are the results?
The calculators use exact 2026 CMS amounts. Results are planning estimates — Social Security makes official IRMAA and penalty determinations based on your records.

Want a Human to Run the Numbers With You?

Licensed California Medicare agents can model your exact costs across plans — at no cost to you.

Compare Plans → Find a Licensed Agent →