Medicare IRMAA Calculator
Calculate Medicare Part B and Part D IRMAA surcharges based on your income. Plan to avoid or minimize income-related premium adjustments.
Note: Medicare uses your tax return from 2 years prior to determine IRMAA surcharges. Enter the MAGI from that return.
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IRMAA Bracket
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Part B Monthly Surcharge
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Part D Monthly Surcharge
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Total Monthly Premium
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Annual Extra Cost
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Standard Part B Premium
2026 IRMAA Bracket Table
| Income Threshold | Part B Surcharge | Part D Surcharge | Total Monthly |
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Frequently Asked Questions
What is Medicare IRMAA?▾
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to your Medicare Part B and Part D premiums if your modified adjusted gross income exceeds certain thresholds. Higher income means higher premiums.
What income triggers IRMAA surcharges?▾
For 2026, IRMAA surcharges begin at $106,000 for single filers and $212,000 for married filing jointly. Income is based on your tax return from two years prior.
How can I reduce or avoid IRMAA?▾
Strategies include managing income in the two years before Medicare enrollment, timing Roth conversions carefully, and using life-changing event appeals if your income has dropped due to retirement, divorce, or job loss.
Is my financial data safe?▾
Yes. All calculations happen entirely in your browser. No data is ever sent to a server.