Estimate your Medicare Part B & Part D IRMAA surcharge
Enter your 2024 modified adjusted gross income to estimate the extra monthly amount Medicare may add to your 2026 Part B and/or Part D premiums.
2026 IRMAA is generally based on 2024 tax return income.
Your income information
Monthly cost summary
Premium breakdown
2026 IRMAA bracket overview
Your bracket is highlighted. Based on 2024 MAGI. Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles.
Key things to know
📅 Two-year lookback
Your 2026 IRMAA is based on your 2024 tax return — the most recent year the SSA can access from the IRS.
⚠️ Cliff effect
Earning even $1 over a bracket threshold triggers the full surcharge for that tier — potentially $1,000+ more per year.
📝 MAGI defined
MAGI = Adjusted Gross Income (Form 1040, Line 11) + tax-exempt interest (Line 2a), including municipal bond income.
🔁 Appeal (SSA-44)
You can appeal IRMAA due to a qualifying life event (retirement, divorce, death of spouse) using Form SSA-44.
Income limits to avoid the next IRMAA bracket
Enter income to see how close you are to the next bracket.
| Income range | Part B IRMAA | Part D IRMAA |
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How IRMAA works
IRMAA is an income-related surcharge added to Medicare Part B and Part D premiums when income is above certain thresholds.
- 2026 IRMAA usually looks at 2024 MAGI.
- Part B IRMAA is added to the Part B premium.
- Part D IRMAA is paid in addition to the drug plan premium.
Ways to reduce or avoid IRMAA
- Plan Roth conversions before Medicare lookback years when possible.
- Manage taxable IRA withdrawals and capital gains.
- Use Form SSA-44 if a qualifying life-changing event lowered income.
- Review income before age 63 if enrolling in Medicare at 65.
Medicare Part B enrollment forms
This calculator is for educational estimates only. Actual IRMAA determinations are made by Social Security. Part D plan premiums vary by plan and are not included here.