Free Medicare tool - 2026

IRMAA Calculator

Enter filing status and 2024 MAGI to estimate whether the 2026 Medicare income surcharge applies. The result stays simple first; bracket details and appeal notes are below if you want them.

Estimate

Tax filing status

2024 MAGI

MAGI generally means AGI plus tax-exempt interest and a few income add-backs.

Include Part D IRMAA Shows the separate prescription drug surcharge. Your actual drug plan premium is not needed.

Calculating

$0.00

Estimated Part B monthly premium

$0.00 Part B IRMAA/mo

$0.00 Part D IRMAA/mo

$0 Annual IRMAA/person

Free consultation Appeal guide

Personalized report name

Optional. Adds the name to a simple printable IRMAA estimate.

See all 2026 brackets

Income range	Part B IRMAA	Part B total	Part D IRMAA	Annual IRMAA

Planning and appeal notes

The two-year lookback matters. Your 2026 IRMAA is based on your 2024 tax return. Income changes in 2026 usually affect 2028 Medicare premiums.

You may be able to appeal. Retirement, divorce, death of a spouse, reduced work hours, or loss of income-producing property can qualify for Form SSA-44.

IRMAA has cliff thresholds. Going $1 over a threshold can trigger the full surcharge for that tier, so Roth conversions, RMDs, and capital gains should be planned with the bracket line in mind.

Figures use 2026 Medicare IRMAA amounts and the 2026 standard Part B premium of $202.90/month. This calculator is educational only; Social Security makes the official IRMAA determination. Jon Perkins, Licensed Independent Medicare Advisor - Blue Springs, MO - 816-291-3655.