Free member tools · Private & instant · No sign-up requiredCall (800) 555-0199 · TTY 711
Member Tools

Free Medicare tools that actually help

Run the numbers before you talk to anyone. Every tool is instant, private, and built on current 2026 figures — no sign-up needed to use them.

IRMAA Surcharge Calculator

Enter your income to instantly see if you'll owe a 2026 Medicare high-income surcharge — and exactly how much more you'll pay for Part B and Part D.

Open calculator →

Enrollment Date Calculator

Enter your birthday to see your exact 7-month Initial Enrollment Period and the deadlines that protect you from a lifelong late penalty.

Find my dates →

Advantage vs. Medigap Quiz

Answer four quick questions and get a personalized read on whether Medicare Advantage or Original Medicare with a Medigap plan likely fits you best.

Take the quiz →

Join Gold Age Path — free

Members get enrollment-deadline alerts, saved tool results, and a no-cost review with a licensed agent who works for you — not the insurance company.

✓ Deadline & plan-change alerts
✓ Free licensed-agent review
✓ All tools & guides, always free
Create My Free Account →