Medicare IRMAA Calculator 2026
Calculate your Income-Related Monthly Adjustment Amount and see how it affects your Medicare Part B and Part D premiums.
MAGI = AGI + tax-exempt interest + foreign earned income exclusion
Your Medicare Premium Adjustment
Standard Part B Premium
$202.90
Your IRMAA Surcharge
$0.00
Your Total Part B Premium
$202.90
Part D IRMAA Surcharge
$0.00
Total Additional Annual Cost Due to IRMAA
$0
2026 IRMAA Income Thresholds & Surcharges
| Individual MAGI | Joint MAGI | Part B Surcharge | Part D Surcharge | Total Part B Premium |
|---|---|---|---|---|
| Up to $106,000 | Up to $212,000 | $0.00 | $0.00 | $202.90 |
| $106,001 – $133,000 | $212,001 – $266,000 | $74.00 | $12.90 | $276.90 |
| $133,001 – $167,000 | $266,001 – $334,000 | $185.00 | $33.30 | $387.90 |
| $167,001 – $200,000 | $334,001 – $400,000 | $295.90 | $53.80 | $498.80 |
| $200,001 – $500,000 | $400,001 – $750,000 | $406.90 | $74.20 | $609.80 |
| Above $500,000 | Above $750,000 | $443.90 | $81.00 | $646.80 |
Income Planning Tips
IRMAA is based on your MAGI from 2 years prior. Consider these strategies to manage your income:
- Time Roth IRA conversions strategically
- Manage retirement account withdrawal timing
- Consider tax-loss harvesting
- Plan charitable giving strategies
- Coordinate Social Security claiming timing
- File an IRMAA appeal if you had a life-changing event such as retirement or reduced income
Have Questions About Your IRMAA Surcharge?
As an independent Medicare broker I can help you understand your IRMAA surcharge, explore appeal options, and plan strategies to reduce future surcharges — completely free of charge.
Schedule a Free ConsultationThis calculator provides estimates based on 2026 Medicare figures. Individual circumstances may vary. For official Medicare information visit Medicare.gov or call 1-800-MEDICARE. This website is not affiliated with or endorsed by CMS or the federal government.
