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Retirement · Medicare

IRMAA Bracket
Calculator

Medicare charges higher earners an income-related monthly adjustment on top of the standard Part B and Part D premiums, and it is set by your tax return from two years ago. Enter that year's income and this tool places you in the right tier, shows the annual cost of the surcharge, and measures exactly how far you are from the next threshold. IRMAA is a cliff, not a slope, so one dollar of extra income can cost hundreds.

Data: 2026 CMS Parts A & B premiums and deductibles fact sheet

Your Look-Back Income STEP 1
MFS uses its own two-tier structure when living apart all year
If no, the single thresholds apply instead of the MFS two-tier table
For 2026 premiums this is your 2024 return
Added back to make MAGI. Municipal bond interest counts.
The surcharge is charged per person
Roth conversion, capital gain, or bonus. Can be negative to model a reduction.
Uncheck if you have no drug plan
Marriage, divorce, death of a spouse, work stoppage, and similar events let you appeal on form SSA-44. Does not change the math below.
Constants Panel EDITABLE
42 CFR 418.1105
Low confidence, verify against current CMS figures
Annual Household Surcharge
--
Above the standard premium
Your IRMAA Tier
--
0 is standard, 5 is the top tier
Headroom To Next Threshold
--
Before the next cliff
Your Position
MAGI used--
IRMAA tier--
Monthly Part B premium--
Monthly Part B surcharge above standard--
Monthly Part D surcharge--
Annual cost per person--
Annual surcharge above standard, per person--
Annual household surcharge--
Total annual household premium--
The Next Cliff
Next threshold--
Headroom before the next threshold--
Annual cost of crossing the next threshold--
If You Add Income This Year
Projected tier with additional income--
Incremental annual cost of the additional income--
Implied marginal rate on the additional income--
Premium year / look-back year--
SSA makes the final IRMAA determination based on your actual filed return. This tool is an estimate to help you plan, not an official notice.
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