Medicare IRMAA Tools & Calculators
Everything you need to understand and plan for Medicare IRMAA — the income-related surcharge on Part B and Part D premiums.
IRMAA Calculator 2025–2026
Enter your income and filing status to see your Medicare Part B and Part D surcharges for 2025 or 2026. Includes your bracket, total monthly cost, and how far you are from the next threshold.
Open calculator →IRMAA Appeal Estimator
Experienced a life-changing event (retirement, divorce, death of a spouse)? Estimate whether you qualify for a reconsideration using SSA Form SSA-44.
Open estimator →Roth Conversion IRMAA Impact
See how a Roth conversion today affects your Medicare premiums in two years. Find the safe conversion amount that keeps you in your current bracket.
Open calculator →Capital Gains IRMAA Impact
Thinking of selling investments? See how capital gains could push you into a higher IRMAA bracket two years from now.
Open calculator →"Will selling my house trigger IRMAA?"
A home sale can generate a large capital gain in one year. Find out if selling your home will trigger IRMAA two years later — and by how much.
Open calculator →Understanding Medicare IRMAA
What is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount. It is an extra charge on top of your standard Medicare Part B ($202.90/month in 2026) and Part D premiums if your Modified Adjusted Gross Income (MAGI) exceeds a certain threshold.
In 2026, single filers with income above $109,000 — or joint filers above $218,000 — will pay IRMAA surcharges. The surcharge increases across five brackets, up to $487.00/month extra for Part B alone at the highest tier.
The 2-year lookback rule
Medicare does not use your current income. It uses your income from 2 years prior. For 2026 premiums, Social Security looks at your 2024 federal tax return.
This catches many retirees by surprise: your income in the year you retire may be high (a full year of salary), which then triggers IRMAA two years later when you are already on a fixed income.
Can I appeal?
Yes — if you experienced a life-changing event (retirement, reduced work hours, divorce, death of a spouse, or loss of income-producing property), you can request that Social Security use a more recent year's income using SSA Form SSA-44.
Planning strategies
The "distance to next bracket" feature in our IRMAA calculator is designed for exactly this: knowing how much income headroom you have before a Roth conversion, IRA withdrawal, or investment sale pushes you into a higher tier.