IRMAA Calculator
Calculate income-related Medicare premium adjustments
Higher-income beneficiaries pay additional Medicare premiums through the Income-Related Monthly Adjustment Amount (IRMAA). This surcharge applies to both Part B and Part D and is based on your Modified Adjusted Gross Income (MAGI) from two years prior. For 2026 premiums, Medicare uses your 2024 tax return, so a one-time gain from a sale still counts — see the asset sales that trigger IRMAA without warning. Understanding your IRMAA bracket helps you budget accurately and plan tax strategies to minimize future premiums. This calculator uses confirmed 2026 brackets to estimate your total monthly and annual Medicare costs.
New to Medicare? Our Medicare 101 guide explains how the parts work together. For detailed IRMAA planning strategies, see our IRMAA Planning Path. To learn about appealing IRMAA after a life-changing event, use our IRMAA Appeal Assistant.
Income Information
From your 2024 tax return (used for 2026 premiums)
💡 What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is an additional premium charged to higher-income Medicare beneficiaries for Parts B and D coverage. It's based on your income from 2 years ago.
Learn More About IRMAA →Enter your information to calculate IRMAA