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Roth Conversion IRMAA Calculator
Estimate whether a Roth conversion could push your Medicare MAGI into a higher IRMAA bracket.
1Filing status
2MAGI estimate
3Income events
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 and add any one-time income events.
Planning worksheet
Roth conversion schedule worksheet
Compare your planned annual conversion with the largest conversion that fits before the next IRMAA bracket shown above.
This simple timeline assumes the same annual amount and does not project investment growth, taxes, or future bracket changes.
Enter an annual conversion
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 Roth conversions can affect IRMAA
A Roth conversion usually adds taxable income in the year of the conversion. For Medicare IRMAA, that extra income can raise Medicare MAGI and may move you into a higher premium bracket two years later.
Use this page to test the conversion amount before you act, then compare the result with the 2026 IRMAA brackets, review what counts in Medicare MAGI, or return to the main IRMAA calculator.
Roth conversion FAQ
- Does a Roth conversion count for IRMAA?
- A taxable Roth conversion generally increases MAGI for the tax year, which can affect later Medicare premiums.
- Can I convert only part of an IRA?
- Many people model smaller conversion amounts to see whether a partial conversion stays below a bracket threshold.
- Is this tax advice?
- No. This estimate is educational and should be checked with official guidance and a qualified professional.