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Calculators

Click below on the calculator you’d like to use for FREE. Use these to estimate important amounts and enrollment windows.  If you need specific numbers and advice about your personal situation, schedule an appointment.

Medicare

Part D Penalty
Calculator

Use this calculator to determine your penalty for going without creditable prescription drug coverage.

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Medicare

Part B Penalty Calculator

Use this calculator to determine your penalty for failing to sign up for Medicare Part B at the correct time.

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Medicare

Initial Enrollment Period Calculator

Use this calculator to determine the 7 month initial enrollment period during which you can enroll in Medicare.

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Medicare

IRMAA
Calculator

Use this calculator to see if you’ll have to pay the “rich” tax for having a high income. This adds onto your Part B & D.

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Social Security

Full Retirement Age Calculator

Use this calculator to determine your Full Retirement Age (FRA) for receiving your Social Security benefits.

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Social Security

Earnings Limit Calculator

Use this calculator to determine your earnings limit when taking Social Security before your Full Retirement Age.

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© 2025 The Medicare Family. All Rights Reserved.

Owned by: ESG Insurance LLC. This website is not connected with the federal government or the federal Medicare program. The purpose of this website is the solicitation of insurance. We do not offer every plan available in your area. Currently we represent 31 organizations which offer 3,740 products. Please contact Medicare.gov or 1-800 MEDICARE or your local State Health Insurance Program to get information on all of your options.

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Schedule Appointment

© 2025 The Medicare Family. All Rights Reserved.

Privacy Policy ∙ Terms of Use ∙ Accessibility

Owned by: ESG Insurance LLC. This website is not connected with the federal government or the federal Medicare program. The purpose of this website is the solicitation of insurance. We do not offer every plan available in your area. Currently we represent 31 organizations which offer 3,740 products. Please contact Medicare.gov or 1-800 MEDICARE or your local State Health Insurance Program to get information on all of your options.