Medicare Cost Calculator
Estimate your 2026 Part A, Part B, and IRMAA premiums — and find your enrollment window.
Currently optimized for U.S. retirement planning. Support for additional countries is planned.
1
Personal Details
2
Work & Coverage
Most people who worked in the U.S. for 10+ years qualify for premium-free Part A.
Are you currently covered by an employer health plan?
3
Income (for IRMAA)
CMS uses your income from 2 years prior (2024 → 2026). Leave blank if unknown.