Medicare Part D Drug Cost Calculator

Medicare Part D Drug Cost Calculator helps U.S. users estimate their 2025 Medicare prescription drug expenses. It includes monthly Part D premiums, income-related IRMAA surcharges, plan deductibles, average copays or coinsurance, and the new $2,000 annual out-of-pocket cap for covered drugs. This calculator is for educational purposes only and actual costs may vary by plan, formulary, pharmacy, and drug coverage.

Estimate your Medicare Part D prescription drug costs in the U.S. using 2025 rules, including monthly plan premiums, Part D IRMAA income surcharges, plan deductibles, average copays or coinsurance, and the $2,000 annual out-of-pocket cap for covered drugs.

Coverage year

This version uses 2025 Part D estimate rules.

Months enrolled in a Part D plan this year

Monthly Part D plan premium

Enter your actual plan premium if known.

Tax filing status for Part D IRMAA

Modified Adjusted Gross Income (MAGI)

IRMAA is generally based on your tax return from two years earlier.

Months you expect to take covered prescriptions

Average monthly retail cost of your covered drugs

Use the total negotiated/retail cost for all covered drugs in a typical month.

Does your deductible apply to these drugs?

Annual Part D deductible

2025 maximum standard deductible is $590, but many plans use less.

How do you want to estimate cost-sharing after the deductible?

Average coinsurance rate after deductible (%)

Example: enter 25 for 25% coinsurance.

Extra annual amount for non-covered drugs or pharmacy costs (optional)

These costs do not count toward the Part D $2,000 covered-drug out-of-pocket cap.

Monthly premium total

$0.00

Annual premiums

$0.00

Estimated drug out-of-pocket

$0.00

Estimated annual total

$0.00

Part D IRMAA

$0.00

Annual covered drug retail

$0.00

Cap status

Not reached

Estimated cap month

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Cost Breakdown

Item	Description	Amount

Important notes

Disclaimer

This calculator provides an estimate only and is not an official Medicare tool. Actual Part D costs vary by plan, formulary, tier placement, pharmacy, covered insulin rules, vaccine rules, LIS/Extra Help status, prior authorization, deductible exceptions, and whether all entered drugs are covered by your plan.