Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Annual IRMAA surcharge
$1,140
Total monthly premium
$297
Total annual premium
$3,564
IRMAA tier (0 = none)
1
Income room before the next bracket
$3,000
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter magi from two years ago ($).
- 2Enter filing status.
- 3Enter standard part b premium ($/month).
- 4Enter how many on medicare.
- 5Read your annual irmaa surcharge on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
Medicare premiums are income-tested. If your modified adjusted gross income from two years ago exceeds a threshold, the Social Security Administration adds an Income-Related Monthly Adjustment Amount to both your Part B and Part D premiums. The brackets are cliffs, not phase-ins: one dollar of extra income can cost well over a thousand dollars a year per person. This calculator places your MAGI in the correct tier, applies the surcharge, and shows the annual cost for one person and for a couple both on Medicare. It also reports the distance to the next bracket, which is the number that matters for year-end planning — a Roth conversion, a capital gain, or a large IRA withdrawal that nudges you over a line costs far more than the tax on the extra income alone. Thresholds and premium amounts are set annually; enter the current-year figures from your Medicare notice to keep the result exact.
Worked example
Using the values the calculator loads with:
Inputs
- MAGI from two years ago: 130000 $
- Filing status: Single
- Standard Part B premium: 202 $/month
- How many on Medicare: One person
Results
- Annual IRMAA surcharge: $1,140
- Total monthly premium: $297
- Total annual premium: $3,564
- IRMAA tier (0 = none): 1
- Income room before the next bracket: $3,000
What each field means
Inputs
- MAGI from two years ago ($)
- The magi from two years ago used in the calculation, measured in $. Starts at 130000 $ so you have a working example on load. Accepted range: 0–2000000 $.
- Filing status
- Pick the option that matches your situation — the maths changes per option. Choices: Single, Married filing jointly.
- Standard Part B premium ($/month)
- The standard part b premium used in the calculation, measured in $/month. Starts at 202 $/month so you have a working example on load. Accepted range: 100–400 $/month.
- How many on Medicare
- Pick the option that matches your situation — the maths changes per option. Choices: One person, Both spouses.
Results
- Annual IRMAA surcharge
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total monthly premium
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total annual premium
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- IRMAA tier (0 = none)
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Income room before the next bracket
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Why is my income from two years ago used?
Social Security uses the most recent tax return it has on file, which is generally the return filed two years earlier. A 2026 premium is normally based on 2024 income.
Can I appeal an IRMAA determination?
Yes. Form SSA-44 lets you request a reduction after a life-changing event such as retirement, divorce, death of a spouse, or loss of income-producing property. Ordinary income drops do not qualify.
How do I avoid crossing a bracket?
Watch the 'income room' figure before year-end Roth conversions, capital gains harvesting, or large retirement withdrawals. Qualified charitable distributions from an IRA are a common way to keep MAGI below a line.
Are these the current thresholds?
Brackets and premiums are indexed annually. The defaults reflect recent levels — replace the base premium and check the current thresholds on your Medicare notice for an exact figure.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Medicare IRMAA Surcharge Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/medicare-part-b-irmaa-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/medicare-part-b-irmaa-calculator" target="_blank" rel="noopener">Medicare IRMAA Surcharge Calculator — RevenueLab</a> (2026).</p>
Source: [Medicare IRMAA Surcharge Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/medicare-part-b-irmaa-calculator) (2026).