The free calculators here close one client at a time. To run your whole book, agents pair them with done-for-you spreadsheets. Here's the stack.
Bookmark the IRMAA calculator for high-income prospects, the penalty calculator as your "enroll now" close, the sign-up window calculator for T65 leads, and the enrollment finder for SEP situations. All free, no signup — share the link with clients.
What $45–199/month CRMs do, owned once with no monthly fee: a client CRM, a 60-day renewal & retention radar, an IRMAA appeal toolkit (prints SSA-44 language), a commission & chargeback tracker, an ancillary cross-sell tracker, and a compliance vault (SOA logs, CTM tracking, retention dates).
Bundled to save you money vs buying piece by piece — all Excel + Google Sheets, instant download, own once:
One-time purchase vs a forever subscription, works in Excel and Google Sheets, instant download, free 2026 updates. Built by people who studied the actual pain points — renewals, chargebacks, IRMAA, and compliance.
The 8 PM phone calls, the chargebacks, the "I saw it on TV" clients — vent, laugh, and decompress with other agents in the Agent Vent Room. Anonymous, moderated, agents only. The best stories become The Medicare Diaries cartoons.
These free tools handle one client at a time. Our Excel + Google Sheets toolkits run your whole book — client CRM, 60-day renewal radar, IRMAA appeals, commission & chargeback tracking, and compliance logs. Built for agents, instant download, no monthly fee.
New here? Start for $7.49 →Don't buy the whole system on faith. Grab the Medicare AEP Tracker — your daily command center for enrollment season — for $7.49, instant download. See exactly how our Excel + Google Sheets tools work, then scale up to the full agent CRM when you're ready.
Get the $7.49 AEP Tracker →The dates, penalties, IRMAA brackets, and compliance rules agents reference all season — one page, 2026-current. Get it free, plus occasional tools that save you time.
At minimum: a client CRM, a renewal/retention tracker, a commission and chargeback tracker, and compliance logs (SOA, CTM). Free calculators for IRMAA, penalties, and enrollment windows help close individual clients.
Not necessarily. Many agents run their book on Excel + Google Sheets toolkits they own once, avoiding $45-199/month recurring fees.
The toolkits include compliance logs (Scope of Appointment, complaint/CTM tracking, retention dates). They are organizational tools, not legal advice — always follow CMS and carrier rules.
Figures on this page are verified against U.S. government primary sources: