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 |
|---|---|---|---|
| ≤ $103,000 | ≤ $206,000 | $174.70 | $0.00 |
| $103,001 – $129,000 | $206,001 – $258,000 | $244.60 | $12.90 |
| $129,001 – $161,000 | $258,001 – $322,000 | $349.40 | $33.30 |
| $161,001 – $193,000 | $322,001 – $386,000 | $454.20 | $53.80 |
| $193,001 – $499,999 | $386,001 – $749,999 | $559.00 | $74.20 |
| > $500,000 | > $750,000 | $594.00 | $81.00 |
Married filing separately: $103,000 threshold for Tier 1; Tier 2+ applies at income above $103,000. Source: CMS. Subject to annual adjustments.
Enter Your Income Details
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