IRMAA Calculator
Estimate your total monthly Medicare premium — standard Part B ($202.90 in 2026, CMS.gov) plus any income-related surcharges. IRMAA for 2026 is generally based on your 2024 MAGI.
Educational estimate from published 2026 figures (CMS.gov, SSA.gov). Your exact amount is set by Social Security. Nothing you enter is stored.
Your Estimated Monthly Premium
Standard Part B premium $202.90
Part B IRMAA surcharge $0.00
Part D plan premium $0.00
Part D IRMAA surcharge $0.00
Total $202.90per person
Concerned about IRMAA? Roth conversion timing, gain harvesting and QCDs are the planning levers — ideally before the transaction, not after the letter.
Schedule a Medicare Strategy CallFrequently asked questions
What income does IRMAA use?
Your Modified Adjusted Gross Income from two years prior — 2026 premiums generally use your 2024 tax return.
Is this estimate official?
Can I appeal IRMAA?
If a life-changing event (retirement, divorce, death of a spouse) lowered your income, you can file form SSA-44 to request a redetermination.
How do I avoid IRMAA in the first place?
By managing the income two years ahead of the premium — Roth conversion timing, capital-gain harvesting and qualified charitable distributions are the usual levers. They work before the transaction, not after the letter arrives.
Method: 2026 standard Part B premium $202.90 (CMS.gov); IRMAA begins above $109,000 MAGI for individual filers, doubled for joint filers (SSA.gov). Higher-tier boundaries and surcharge amounts are estimates derived from the statutory cost-share formula (35%–85% of program cost) — confirm your exact amounts at SSA.gov. Read the full guide: IRMAA, Explained.
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More calculators on the free tools hub, or read the background in Medicare 101.