Medicare IRMAA Calculator 2026 — Part B & D Surcharges

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Medicare IRMAA

2026 Part B + D surcharge

Filing status

2024 modified AGI ⓘ

People on Medicare

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Enter your income to find your IRMAA

How the IRMAA Calculator Works

Enter your 2024 modified AGI — IRMAA uses a two-year lookback.
Pick your filing status and how many are on Medicare.
See your monthly premium, any surcharge, and the distance to the next bracket cliff.

What Is IRMAA? (2026)

IRMAA — the Income-Related Monthly Adjustment Amount — is a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. The 2026 standard Part B premium is about $202.90/month; surcharges kick in once your 2024 modified AGI exceeds $109,000 (single) or $218,000 (joint).

IRMAA is a cliff, not a phase-in: going $1 over a threshold can cost hundreds more per year, so it pays to know where you stand. This calculator uses 2026 projected brackets and shows how close you are to the next tier. Figures are estimates — confirm with SSA. Not financial advice.

Medicare IRMAA FAQ

What income is IRMAA based on? ▾

Your modified AGI from two years prior — so 2026 IRMAA is based on your 2024 tax return (AGI plus tax-exempt interest).

How can I reduce IRMAA? ▾

Manage MAGI two years ahead — Roth conversions before Medicare, Qualified Charitable Distributions, harvesting losses, and timing income. If you had a life-changing event (retirement, death of spouse), file Form SSA-44 to appeal.

Is IRMAA a cliff? ▾

Yes. Crossing a threshold by even $1 bumps you to the next tier for the whole year, so staying just under a bracket can save hundreds.