Medicare IRMAA Calculator
Calculate Income-Related Monthly Adjustment Amounts for Medicare Parts B and D
Your Medicare Premium Adjustment
📋 Part B (Medical Insurance) Monthly Premiums
Standard Premium:
$185.00
IRMAA Surcharge:
$0.00
Your Total Part B Premium:
$185.00
💊 Part D (Prescription Drugs) Monthly Adjustment
IRMAA Surcharge:
$0.00
Annual Impact
$0
Total additional cost per year due to IRMAA
2025 IRMAA Income Thresholds & Surcharges
| MAGI Range | Part B Surcharge | Part D Surcharge | Total Monthly |
|---|
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
Medicare IRMAA Calculator
Calculate Income-Related Monthly Adjustment Amounts for Medicare Parts B and D
Your Medicare Premium Adjustment
📋 Part B (Medical Insurance) Monthly Premiums
Standard Premium:
$185.00
IRMAA Surcharge:
$0.00
Your Total Part B Premium:
$185.00
💊 Part D (Prescription Drugs) Monthly Adjustment
IRMAA Surcharge:
$0.00
Annual Impact
$0
Total additional cost per year due to IRMAA
2025 IRMAA Income Thresholds & Surcharges
| MAGI Range | Part B Surcharge | Part D Surcharge | Total Monthly |
|---|
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