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Capital Gains IRMAA Calculator
Estimate whether capital gains from selling stock or other assets could raise your Medicare premiums.
- 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 and add any one-time income 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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Why capital gains can affect IRMAA
Taxable capital gains from selling stock, funds, real estate, or other assets can increase Medicare MAGI. Even a one-time gain may affect the premium year tied to that income.
Enter the taxable gain you expect, then compare the result with the 2026 IRMAA brackets, review Medicare MAGI, or check a broader picture with the main IRMAA calculator.
Capital gains FAQ
- Do capital gains count for IRMAA?
- Taxable capital gains generally count in MAGI and can affect IRMAA brackets.
- Should I enter gross proceeds?
- No. Enter the estimated taxable gain, not the total sale amount.
- Can timing matter?
- Timing can matter because IRMAA is based on income for a specific tax year.