IRMAA Calculator
Medicare IRMAA Calculator (Part B & Part D Premium 2026)
High-income Medicare beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of their standard Part B and Part D premiums. Enter your income to estimate your surcharge tier.
Designed for higher-income Medicare beneficiaries who want to understand their premium adjustments.
Which income year to use:
CMS uses your MAGI from two years prior to determine your
current-year IRMAA. For 2026 Medicare premiums, enter your 2024 MAGI
(from your 2024 federal tax return, generally Line 11 of Form 1040 plus
tax-exempt interest).
View IRMAA Bracket Table
| Individual MAGI | Joint MAGI | Part B Premium | Part D Surcharge |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 | $0.00 |
| $109,001 – $137,000 | $218,001 – $274,000 | $284.10 | $14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | $37.50 |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | $60.40 |
| $205,001 – $499,999 | $410,001 – $749,999 | $649.20 | $83.30 |
| ≥ $500,000 | ≥ $750,000 | $689.90 | $91.00 |
Married filing separately: ≤ $109,000 threshold for Tier 1; $649.20/mo applies for income $109,001–$390,999; $689.90/mo for ≥ $391,000. Source: CMS 2026. Subject to annual adjustments.
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