2026 IRMAA Calculator
Find your exact 2026 Medicare Part B and Part D premiums from your 2024 income — and see how close you are to the next bracket (IRMAA is a cliff: one dollar over can cost you for the whole year).
MAGI = AGI (Form 1040, line 11) + tax-exempt interest (line 2a).
2026 IRMAA brackets (full table)
2026 premiums are set by your 2024 MAGI. The Part D figure is an extra surcharge added on top of your plan’s premium. Standard Part B premium is $202.90/mo.
| Single MAGI | Married filing jointly | Part B total /mo | Part D extra /mo |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 | +$0.00 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 | +$14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 | +$37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 | +$60.40 |
| $205,001–$500,000 | $410,001–$750,000 | $649.20 | +$83.30 |
| > $500,000 | > $750,000 | $689.90 | +$91.00 |
Married filing separately (lived with spouse during the year): ≤$109,000 = standard; $109,001–$391,000 = $649.20 Part B + $83.30 Part D; >$391,000 = $689.90 Part B + $91.00 Part D.
How IRMAA works
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge that higher-income Medicare beneficiaries pay on top of the standard Part B and Part D premiums. Social Security looks at your tax return from two years earlier, so your 2026 premium is set by your 2024 MAGI.
The cliff problem
IRMAA is not phased in. If your MAGI crosses a threshold by $1, your surcharge jumps to the next tier for the entire year — often more than $1,000 per person. That is why this calculator also shows how close you are to the next bracket.
Can you reduce or appeal it?
If you had a life-changing event — retirement/work stoppage, marriage, divorce, death of a spouse, or a large income drop — you can file Form SSA-44 to ask Social Security to base IRMAA on more recent income. Planning moves (Roth conversions timing, capital-gains timing, QCDs) can also keep MAGI under a threshold.
Frequently asked questions
What counts in MAGI for IRMAA?
Your AGI (Form 1040, line 11) plus tax-exempt interest (line 2a). It includes things like capital gains, IRA/401(k) withdrawals, Roth conversions, and Social Security included in AGI.
Why is 2026 based on 2024 income?
Social Security uses the most recent tax return it has on file, which is two years old. 2026 IRMAA uses your 2024 return; 2025 IRMAA used 2023.
Do both spouses pay IRMAA?
Yes — if you file jointly and both are enrolled in Medicare, each spouse pays the surcharge separately. Toggle “both spouses” above to see the household total.
Is this official?
No. This is a free estimate based on published 2026 figures. Always confirm with your official Social Security notice or Medicare.gov.
More retirement calculators
Your MAGI drives more than IRMAA. Explore the rest:
- RMD Calculator (age 73+) → — required withdrawals that raise your MAGI
- Roth Conversion IRMAA Calculator → — will a conversion bump your bracket?
- Social Security Tax Calculator → — how much of your benefit is taxable
- Capital Gains Tax Calculator (0% bracket) → — harvest gains tax-free
- Social Security Claiming Age (62 vs 67 vs 70) → — when to claim
- Self-Employment Tax Calculator →
- Net Investment Income Tax (3.8%) Calculator →
- Inherited IRA RMD Calculator (10-Year Rule) →
This tool provides a general estimate using published 2026 Medicare figures and is not financial, tax, or legal advice. IRMAA is determined by the Social Security Administration based on IRS data. Verify your actual premium with your SSA notice. Figures last verified: 2026 plan-year data. Sources: CMS / Social Security Administration 2026 premium announcement.