Medicare IRMAA Calculator
Look up your 2026 Medicare IRMAA surcharge based on income. See Part B and Part D premiums at every bracket, find how close you are to the next tier, and get strategies to reduce future IRMAA costs.
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How to Use This Calculator
IRMAA Lookup tab
The default tab. Enter your filing status, MAGI from 2 years prior (2024 MAGI for 2026 premiums), and Medicare coverage type. The calculator shows your Part B premium, Part D surcharge, total monthly cost, annual IRMAA cost, and how close you are to the next bracket. Expand "More options" to adjust for Married Filing Separately or your Part D plan's base premium.
IRMAA Brackets tab
View the complete 2026 IRMAA bracket table for your filing status. Your position is highlighted, with distance to the next bracket up and down. See the annual cost at each tier and get planning insights on how much MAGI reduction would save you.
Reduce Future IRMAA tab
Enter your current MAGI and target tier. Get a ranked list of strategies to reduce your MAGI: Roth conversions, Qualified Charitable Distributions (QCDs), tax-loss harvesting, capital gains timing, HSA contributions, and donor-advised fund bunching. Each strategy includes the potential MAGI reduction and annual IRMAA savings.
Share your result
Every input is encoded in the URL. Click Share to send your exact scenario to a spouse, financial advisor, or Medicare counselor.
The Formula
IRMAA is not a formula — it is a bracket lookup based on your Modified Adjusted Gross Income (MAGI) from 2 years prior:
Total Part B = Standard Premium ($202.90/mo) + Part B IRMAA Surcharge
Total Part D = Plan Base Premium + Part D IRMAA Surcharge
Total Monthly Medicare = Part B + Part D
Annual IRMAA Cost = (Part B Surcharge + Part D Surcharge) × 12
MAGI = AGI + Tax-Exempt Interest Income (including municipal bonds)
Key difference from income tax: IRMAA brackets are cliff-based, not graduated. If your MAGI is $1 over a threshold, your entire premium jumps to that tier. There is no partial surcharge. This makes bracket-edge planning critical.
Important: MAGI for IRMAA includes tax-exempt interest income (municipal bonds), which is excluded from regular AGI. This catches many retirees off guard.
Example
Robert and Susan — Retired couple, MFJ, 2024 MAGI of $220,000
Robert (68) and Susan (66) are both on Medicare. They file jointly with a 2024 MAGI of $220,000. Their 2024 MAGI determines their 2026 Medicare premiums.
IRMAA Lookup result
They are only $8,000 over the $212,000 threshold. If Robert had done a Qualified Charitable Distribution (QCD) of $8,000 from his IRA in 2024, their MAGI would have been $212,000 and they would pay $0 in IRMAA surcharges — saving $2,275/year.