Medicare IRMAA Surcharge Calculator

Advertisement (728x90)
Calculation Inputs
⚠️ MFS penalty: Surcharges begin immediately at $109,001.
$
$
Example: Municipal Bond Interest (Line 2a).

Enter details to see results

2026 Projections
Part B + Surcharge:
Part D Surcharge:
Total Monthly:
Estimated Annual Surcharge Cost

How to Use Medicare IRMAA Surcharge Calculator

How to Use Medicare IRMAA Surcharge Calculator

To get the most accurate results from this tool, follow these steps:

  • Select Your Tax Filing Status: Choose between Married Filing Jointly, Married Filing Separately, or Individual/Head of Household. Surcharge brackets vary significantly based on how you file.

  • Input Your Modified Adjusted Gross Income (MAGI): IRMAA is calculated based on your MAGI from two years prior (e.g., for 2026 surcharges, use your 2024 tax return data).

  • Check Your Medicare Enrollment: Ensure you are enrolled in Part B (Medical Insurance) and/or Part D (Prescription Drug Coverage), as surcharges apply to both.

  • Review the Results: The calculator will display your base premium plus the additional IRMAA surcharge for both Part B and Part D.

  • Appeal if Necessary: If your income has dropped due to a “Life-Changing Event” (like retirement or marriage), use the results to determine if you should file Form SSA-44 to appeal the surcharge.

Quality & Expertise Assurance
Sam
Editorial Expert
Sam

With 20+ years in banking, insurance and energy sector, Sam has worked with US and Canadian firms. He combines deep industry expertise with strong web development skills, offering practical insights that bridge finance and technology.