Medicare IRMAA Calculator (Part B and Part D Surcharge)

How to do it

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   Step 1: Open Medicare IRMAA Calculator (Part B and Part D Surcharge) and add your input

   Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.

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   Step 2: What Medicare IRMAA Calculator (Part B and Part D Surcharge) does

   Find your Medicare IRMAA tier and the extra Part B and Part D premium for your income.

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   Step 3: Read the result and compare

   The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.

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   Step 4: Copy or save it

   Copy the result or download it. For an important decision, confirm it with the official source or an adviser.

About this tool

Enter your modified adjusted gross income from two years ago (the year Medicare looks at), your filing status and how many people are on Medicare. The tool shows your tier, the monthly Part B and Part D amounts, the extra cost for the year and how far you are from the next tier.

How IRMAA works

The income-related monthly adjustment amount is an extra charge on Part B and Part D premiums for higher incomes. It is based on your tax return from two years earlier: 2024 income sets the 2026 premium. The tiers are cliffs: one dollar over a limit moves you to the next tier for the whole year.

Amounts

For 2026 the standard Part B premium is $202.90 a month, rising to $689.90 in the top tier, with Part D surcharges of up to $91.00. The 2025 figures are $185.00 to $628.90 and $0 to $85.80. The thresholds for 2026 start at $109,000 for single filers and $218,000 for married couples filing jointly.

Appeals

If your income fell because of a life-changing event such as retirement or the death of a spouse, you can ask Social Security to use a more recent year. Married filing separately has special thresholds that are not modeled.

Worked example

A single person with $150,000 of income two years earlier in 2026 is in tier 3: Part B is $405.80 a month and the Part D surcharge $37.50. The extra cost is $2,435 for Part B plus $450 for Part D, $2,885 a year, and $21,000 more income would move them to tier 4.

Tips for best results

Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.