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Quiet sponsor space for Medicare education, annual threshold updates, or retirement planning resources.
Estimate your Medicare premium surcharge before a big income decision
Start with a Roth conversion estimate, then open advanced income events only if you need to model RMDs, home sale gains, capital gains, or work income.
1Filing status
2MAGI estimate
3Roth conversion
4Premium impact
- Uses 2026 CMS Part B and Part D IRMAA surcharge amounts.
- Shows monthly and annual surcharge estimates in plain English.
- Built for planning conversations, not tax, legal, or Medicare enrollment advice.
Step-by-step estimate
Check your estimated IRMAA risk
Enter your expected Medicare MAGI, then test a Roth conversion before adding advanced events.
2026 IRMAA brackets at a glance
For 2026 Medicare premiums, IRMAA uses 2024 modified adjusted gross income. The first surcharge begins above $109,000 for single filers and above $218,000 for married couples filing jointly.
| Filing status | First IRMAA threshold | First Part B surcharge | First Part D surcharge |
|---|---|---|---|
| Single | Over $109,000 | $81.20/month | $14.50/month |
| Married filing jointly | Over $218,000 | $81.20/month | $14.50/month |
| Married filing separately | Over $109,000 | $446.30/month | $83.30/month |
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Check a specific income event
Some income changes deserve their own walkthrough. Use these pages when you already know the event you want to test.