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?
No — it's an educational estimate based on published figures (CMS.gov, SSA.gov). Your actual amount is determined by the Social Security Administration.
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.
Method: 2026 standard Part B premium $202.90 (CMS.gov); IRMAA begins above $109,000 MAGI for individual 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.