Medicare Premium & Cost Calculator is a simple tool that helps U.S. users estimate their monthly and yearly Medicare expenses. It includes 2025 Medicare Part A and Part B premiums, income-based IRMAA surcharges, prescription drug coverage costs, Medigap or Medicare Advantage premiums, deductibles, and extra out-of-pocket expenses. This calculator is for educational purposes only and should not replace official Medicare plan pricing or professional advice.
Medicare Premium & Cost Calculator
Estimate your monthly and annual Medicare costs in the U.S. based on 2025 Part A, Part B, IRMAA income surcharges, prescription drug coverage, Medigap, Medicare Advantage, deductibles, and expected out-of-pocket expenses.
Monthly premiums
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Annual premiums
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Annual deductibles & extras
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Estimated annual total
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Cost Breakdown
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Important notes
Disclaimer
This calculator is for educational purposes only and does not provide official Medicare pricing or enrollment advice. Actual Medicare costs can vary by year, income, plan, ZIP code, carrier, subsidy status, late enrollment penalties, and your healthcare usage. Always confirm final costs with Medicare, Social Security, or a licensed insurance professional.
