Medicare IRMAA Predictor 2026
Estimate your monthly Medicare Part B and Part D premiums based on your income levels and the latest IRMAA surcharge brackets.
Last updated: May 2026
Note: Medicare looks at your tax return from 2 years ago.
Total Monthly Medicare Cost
Part B Premium
$ 185.00
Part D IRMAA
$ 0.00
What is IRMAA?
The Income-Related Monthly Adjustment Amount (IRMAA) is an extra charge added to your Medicare Part B and Part D premiums if your income is above certain thresholds.
In 2026, Medicare determines these surcharges using your Modified Adjusted Gross Income (MAGI)from your tax return two years prior. For example, your 2026 premiums are based on your 2024 tax filings.
How to use this calculator
- 1Check Your Tax Return — Find your Modified Adjusted Gross Income (MAGI) from two years ago.
- 2Filing Status — Select whether you file as Single, Married Filing Jointly, or Married Filing Separately.
- 3Review Part B — Part B covers doctor visits and outpatient care. The standard premium is $185.00+.
- 4Factor in Part D — Part D covers prescription drugs. IRMAA adds a surcharge on top of your plan's monthly fee.
Formula & example
Total Premium = Base Premium + IRMAA Surcharge
Example: Single Filer, $150,000 Income (2 years ago).
- Base Part B: $185.00
- Part B Surcharge: $185.00
- Part D Surcharge: $34.80
- Total Monthly Cost: $404.80
Benefits
Avoid Surprises
Plan your retirement cash flow by knowing exactly what will be deducted from your Social Security check.
Tax Planning
By keeping your MAGI below a certain threshold, you can potentially save thousands in Medicare premiums.
Appeal Strategy
Identify if you qualify for an appeal due to life-changing events (like retirement or divorce).
Use cases
New Retirees
Transitioning from employer health plans to Medicare and budgeting for the first time.
High-Earners
Individuals with significant capital gains or RMDs that might trigger higher surcharges.
Tax Professionals
Helping clients optimize their income distributions to stay within lower IRMAA brackets.
Frequently asked questions
How do I appeal an IRMAA surcharge?+
If you've had a life-changing event (like retirement) that caused your income to drop, you can file Form SSA-44 with Social Security to lower your premiums.
Is IRMAA a tax?+
It's technically an adjustment to your premium, but effectively acts as a surcharge on high-income retirees.
Does this include the Part D plan fee?+
No, this only calculates the IRMAA surcharge for Part D. You must still pay the base monthly premium for your specific drug plan.