IRMAA Calculator – Will You Pay Extra Medicare Premiums?

IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge Medicare adds to your Part B and Part D premiums if your income exceeds certain thresholds. Use this free calculator to find out if you owe extra and exactly how much. Enter your filing status and income below — results are instant, private, and no signup required.

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What Is IRMAA?

IRMAA stands for Income-Related Monthly Adjustment Amount. If your modified adjusted gross income (MAGI) exceeds certain thresholds, Medicare charges you a surcharge on top of the standard Part B and Part D premiums. IRMAA is based on your tax return from two years ago (2024 income for 2026 premiums). Use this calculator to see if you owe extra and how much.

📋 Filing Status

💡 IRMAA uses your Modified Adjusted Gross Income (MAGI) from your IRS tax return filed 2 years prior. For 2026 premiums, Social Security uses your 2024 tax return.

💰 Your Modified Adjusted Gross Income (MAGI)

Annual MAGI $95,000
Your adjusted gross income + tax-exempt interest income. Found on IRS Form 1040 lines 11 and 2a.

📈 Where You Fall: Single / HOH Brackets

📖 Learn More About Medicare Costs

Understand how IRMAA fits into your total Medicare costs and find ways to reduce what you pay:

💰 Complete IRMAA Guide 💵 Reduce Your IRMAA 📋 Part B Premium Guide 🤝 Medicare Savings Programs 🏠 Medicare Costs in Retirement 🇧 Medicare by State
IRMAA brackets shown are based on 2025 CMS data (most recent confirmed). 2026 brackets are announced by CMS each fall and may differ slightly. This calculator provides estimates for educational purposes only. It is not financial or tax advice. Consult a licensed professional for personalized guidance. All calculations run locally in your browser.