Free Tools · 2026
Free insurance & Medicare calculators
Quick, free calculators for Medicare and health insurance decisions — every result is an estimate for education, not a quote or official determination. Final costs and eligibility are always confirmed with a licensed agent before you enroll.
Medicare tools
Medicare Eligibility Checker
Find your exact 7-month Initial Enrollment Period from your birthdate.
Open tool →Part B & Part D Penalty Calculator
See the lifelong monthly cost of enrolling late — and how to avoid it.
Open tool →IRMAA Surcharge Calculator
Check whether your income triggers a 2026 income-related premium surcharge.
Open tool →Medicare Advantage vs. Supplement Quiz
Four questions on travel, doctors, and budget — see which path may fit you.
Open tool →Health insurance tools
Federal Poverty Level (FPL) Calculator
See your household income as a % of the 2026 federal poverty guidelines.
Open tool →Special Enrollment Period Qualifier
Had a life event? Check whether a 60-day enrollment window likely applies.
Open tool →COBRA vs. Marketplace Comparison
Frame your COBRA quote against a new Marketplace plan and possible subsidy.
Open tool →Life & family tools
Life Insurance Needs Calculator (DIME)
Debt, Income, Mortgage, Education — see your estimated coverage gap.
Open tool →Human Life Value Estimator
A simpler way to frame coverage: income × your remaining working years.
Open tool →Term Life Insurance Cost Ranges
Illustrative monthly ranges by age and coverage amount — not a quote.
Open tool →Mortgage Protection Calculator
See how much coverage would pay off your mortgage, plus a cushion.
Open tool →Final Expense & Burial Cost Estimator
Estimate burial or cremation costs from national median figures.
Open tool →Retirement & annuities tools
Required Minimum Distribution (RMD) Calculator
Estimate your current-year RMD from the IRS Uniform Lifetime Table.
Open tool →Annuity Break-Even Calculator
See how many years of guaranteed income recover your premium.
Open tool →Social Security Claiming Break-Even Calculator
Crossover ages between claiming strategies — math only, never advice.
Open tool →Long-Term Care Cost Calculator
Project long-term care costs by care type and duration.
Open tool →About these tools
Are these tools quotes or official eligibility determinations?
No. Every calculator on this page gives an estimate for education only — not a quote, and not an official eligibility or subsidy determination. Final numbers are confirmed with a licensed agent or the relevant government program (Medicare.gov or HealthCare.gov).
What year's figures do these calculators use?
All figures are labeled with their source year — most use 2026 federal figures (Medicare premiums, IRMAA brackets, and federal poverty guidelines), sourced from CMS and HHS and cited on each tool's page.
Do I need to create an account to use these tools?
No signup is required for any calculator. If you'd like a copy of your results emailed to you, you can enter your email after running a calculator — that's optional.
I ran a calculator — what should I do next?
Use the result as a starting point, then schedule a free conversation with a licensed local advisor who can confirm your exact numbers against your actual doctors, income, or enrollment timing.
Will more calculators be added later?
Yes. This page is organized to grow — future additions include an employee affordability checker and Marketplace subsidy (APTC) estimator.
Ready for real numbers?
These calculators are a starting point. A local licensed advisor confirms your actual costs and eligibility — free, no pressure.