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RMD IRMAA Calculator
Estimate whether a required minimum distribution or IRA withdrawal could raise your Medicare premiums through IRMAA.
Short answer: taxable RMD income generally counts toward Medicare MAGI. If it pushes you over an IRMAA threshold, future Part B and Part D premiums can rise.
- 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 RMDs can affect IRMAA
Required minimum distributions from traditional retirement accounts are usually taxable income. That means an RMD can raise the Medicare MAGI used for IRMAA brackets.
Model your expected distribution here, then compare it with the 2026 IRMAA brackets, review Medicare MAGI, or use the main IRMAA calculator for a broader estimate.
| Example step | Amount | IRMAA planning note |
|---|---|---|
| AGI before RMD | $100,000 | Starting income estimate |
| Taxable RMD | $20,000 | Usually included in AGI |
| Tax-exempt interest | $3,000 | Added back for Medicare MAGI |
| Estimated Medicare MAGI | $123,000 | Compare with the applicable IRMAA bracket |
RMD FAQ
- Do RMDs count toward IRMAA?
- Taxable RMD income generally counts toward MAGI for IRMAA purposes.
- Can a QCD change the result?
- A properly handled qualified charitable distribution may reduce taxable IRA income, but details matter.
- Which year matters?
- Medicare typically uses income from two years before the premium year.
Related planning pages: Do RMDs affect Medicare premiums?, 401(k) withdrawal Medicare premium calculator, and IRA withdrawal Medicare premium calculator.
Official sources
SSA explains that IRMAA uses MAGI and generally relies on tax information from two years earlier. IRS guidance explains the basic required minimum distribution framework.