Medicare IRMAA Estimator
See whether your income triggers Medicare premium surcharges — and how close you are to the next cliff.
From your return two years before the premium year.
2026 premium estimate
Your Part B premium, per person per month
$202.90
At $190,000 MAGI you pay the standard Part B premium with no IRMAA surcharge — and you have $28,000 of headroom before the first surcharge tier.
- IRMAA tier
- 1 of 6
- Part B surcharge / person / month
- $0.00
- Part D surcharge / person / month
- $0.00
- Annual IRMAA cost (both spouses)
- $0
- Headroom before the next tier
- $28,000
All 2026 tiers (married filing jointly)
View data table
| MAGI up to | Part B / month | Part D surcharge |
|---|---|---|
| $218,000 | $202.90 | $0.00 |
| $274,000 | $284.10 | $14.50 |
| $342,000 | $405.80 | $37.50 |
| $410,000 | $527.50 | $60.40 |
| $750,000 | $649.20 | $83.30 |
| Above | $689.90 | $91.00 |
What this may mean for you
IRMAA looks back two years, so this year's income sets premiums two years out — plan large one-time income around the thresholds when you can. If your income has dropped because of retirement or another life-changing event, file form SSA-44 to request the lower current income be used instead.
Results are estimates for educational purposes and may not reflect your complete financial or tax situation.
Understanding this calculator
IRMAA — the income-related monthly adjustment amount — is Medicare's high-income surcharge, and it catches retirees off guard for two reasons. First, it looks back two years: your 2026 premiums are set by your 2024 tax return, so income spikes echo into the future. Second, it's a cliff, not a slope — one dollar over a threshold buys the entire tier's surcharge for both Part B and Part D, for the whole year, for each spouse.
That cliff structure makes headroom the key planning number. Retirees managing Roth conversions, capital gains, or big IRA withdrawals often work backward from the next IRMAA threshold. And if your income has dropped since the lookback year because of a life-changing event like retirement, you can ask Social Security to use the lower figure — form SSA-44.
Assumptions and methodology
- Uses 2026 tiers (CMS): standard Part B premium $202.90; surcharge tiers begin above $109,000 single / $218,000 joint MAGI, with compressed tiers for married filing separately.
- MAGI here = AGI plus tax-exempt interest, from the return two years before the premium year.
- The estimator applies the MAGI you enter to the displayed year's tiers; future-year tiers are inflation-indexed and not yet published.
- Part D amounts shown are the IRMAA surcharge only — your base drug-plan premium varies by plan.
Official sources
Last reviewed August 30, 2026. Year-specific figures show their tax or data year in the tool; data is reviewed when the IRS, SSA, and CMS publish annual updates.
Common questions
Both spouses pay the surcharge?
Yes — IRMAA applies per person, so one crossed threshold on a joint return raises premiums for each enrolled spouse.
My income dropped since the lookback year — am I stuck?
Not necessarily. For qualifying life-changing events (retirement, marriage, death of a spouse, and others) you can file SSA-44 and ask for the current, lower income to be used.
Do Roth withdrawals count toward MAGI?
Qualified Roth withdrawals don't — one reason retirees convert to Roth in lower-income years before Medicare and RMDs arrive.
Keep going
- Roth ConversionSee which federal brackets a proposed Roth conversion would fill, the estimated extra tax, and how much room remains in your target bracket.Calculator
- RMD CalculatorEstimate this year's required minimum distribution and see projected RMDs for the years ahead.Calculator
- Income After TaxesEstimate your take-home pay after federal, state, and payroll taxes — by year, month, and paycheck.Calculator
- Medicare and IRMAA BasicsParts, premiums, enrollment windows, and the income cliffs that raise them.Guide
- IRMAA, Explained: Medicare's Two-Year Lookback and Its All-or-Nothing Cliffs6 min readArticle
Want a second set of eyes on this?
If you'd like to talk through what these numbers mean for your situation, you can schedule a free, no-pressure conversation. No products, no pitch — just questions answered.