IRMAA Check

IRMAA Calculator: Estimate your Medicare premium surcharge

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.

Retirement account statements, calculator, and laptop used to plan income decisions
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.

Medicare usually looks back two tax years. See the lookback timeline.
IRMAA is charged per Medicare enrollee.
MAGI is generally AGI plus tax-exempt interest for IRMAA.
Build Medicare MAGI from common income items

Use this if you do not already have a Medicare MAGI estimate. AGI usually already includes taxable Social Security, pensions, consulting income, and taxable gains, so enter those only when they are not already counted in your AGI number.

Base MAGI subtotal$0
Core launch flow

Start with the decision most likely to be planned before it happens: a Roth conversion. Advanced income events are still available below.

Optional advanced income events
Use these when they apply

Your estimate

Estimated bracketStandard premium
Income year used2024
Estimated MAGI$0
Monthly surcharge$0.00
Annual surcharge$0
Household monthly impact$0.00
Household annual impact$0
Room before next bracket$0
Max Roth conversion before next bracket$0
No added events $0 $0.00/mo
Planned events $0 $0.00/mo
Fill to bracket $0 $0.00/mo
Distance to IRMAA cliff $0 before the next bracket

What this means

Your estimate will update as you enter your numbers.

Stay under the next bracket

Save the IRMAA planning checklist before a taxable decision changes your estimate.

IRMAA planning checklist Why this uses a two-year lookback Check spouse household impact Sponsor this planning moment

Estimate details

This estimate is educational. Check final rules and your situation against official Medicare, SSA, and tax guidance.

Official sources

Last reviewed: May 18, 2026. Thresholds and surcharge amounts should be checked against official sources before making financial decisions.

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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 statusFirst IRMAA thresholdFirst Part B surchargeFirst Part D surcharge
SingleOver $109,000$81.20/month$14.50/month
Married filing jointlyOver $218,000$81.20/month$14.50/month
Married filing separatelyOver $109,000$446.30/month$83.30/month
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Common IRMAA traps to check before you decide

These are the planning questions that most often change a Medicare MAGI estimate after someone has already looked at the calculator.

Municipal bond interestTax-free income can still count for IRMAA. Both spouses on MedicareJoint income can create a per-person surcharge. How long IRMAA lastsSee when a one-time spike may reset. RMD calculatorModel required distributions and bracket room. 401(k) withdrawal calculatorCheck taxable retirement withdrawals before taking them. MAGI checklistReview the income items before trusting the estimate.

Frequently asked questions

Can a Roth conversion trigger IRMAA?
Yes. A taxable Roth conversion can increase Medicare MAGI for the tax year used by IRMAA and may move you into a higher Medicare premium bracket.
Does this calculator give an exact Medicare premium?
No. It provides an educational estimate based on the published 2026 IRMAA amounts. Final premiums depend on official Medicare and Social Security determinations.
What income does the calculator use?
The calculator starts with estimated Medicare MAGI, generally adjusted gross income plus tax-exempt interest, then adds the income events you select.

Get the IRMAA planning checklist

Use the checklist before Roth conversions, RMDs, capital gains, home sales, or SSA-44 appeal assumptions. We will also send annual bracket updates.

Preview the checklist