Interactive Mathematics Engine

2026 Medicare Math & Surcharge Calculators

Test your Medicare numbers with cold mathematical objectivity. Calculate Part B penalties, IRMAA tax surcharges, and compare out-of-pocket costs with zero sales pressure.

2026 IRMAA Surcharge Checker

Check if your retirement income triggers higher Part B & D premiums

Tax Filing Status

2-Year Prior Modified AGI ($)

Enter your income above to calculate 2026 Part B & D monthly surcharges.

Part B Late Enrollment Penalty

Computes permanent 10% penalty per 12 months delayed

Full 12-Month Periods Delayed without Creditable Coverage

2026 Standard Part B Base: $202.90/month.

Keep Employer Plan vs. Medicare at 65

Compare payroll paycheck deductions against $0-premium Medicare Advantage

Monthly Paycheck Payroll Deduction for Health ($)

Compare your annual employer health costs against Medicare Advantage.

Hospital Inpatient Copay Exposure

See your potential out-of-pocket costs with & without an Indemnity Shield

Estimated Hospital Inpatient Stay (Days)

Average NC MA Hospital Copay: $350/day (Days 1–5).