IRMAA Calculator
IRMAA is an extra monthly charge added to Medicare Part B and Part D premiums for people whose income is above a set level. This shows the arithmetic: your income and filing status in, the surcharge out.
This is an unofficial estimate worked out from published tables. The Social Security Administration decides each person's actual amount, and the real figures are published by the Centers for Medicare and Medicaid Services.
- Free
- Works offline after your first visit
- Saves on this device
- No sign-up
- Updated
How it works
The charge is set by your modified adjusted gross income, which is the adjusted gross income on your tax return plus any tax-exempt interest. Medicare uses the return from two years earlier, so a premium year of 2026 looks at 2024 income.
Income falls into one of six steps. Each step has a set Part B surcharge and a set Part D surcharge. The steps for married couples filing jointly are twice as wide as for single people. People who are married but file separately and lived with their spouse have only three steps.
The Part B premium shown is the standard premium you enter plus the surcharge. The Part D surcharge is added to your drug plan's own premium. The yearly figure is both surcharges times twelve.
Worked example
With income of $150,000.00, the Part B surcharge is $202.90 a month, which brings the Part B premium to $405.80. The Part D surcharge is $37.50 a month. Together the surcharges come to $2,884.80 over a year.
Questions
Which year's income does Medicare look at?
It looks at your tax return from two years before. Your income that year decides this year's surcharge.
What if my income has dropped since then?
If you stopped working, lost income, or had another life-changing event, you can ask the Social Security Administration to use a more recent year. This page does not decide that for you.
Is the surcharge the whole Part B premium?
No. It is added to the standard premium everyone pays. The standard premium is an input here, so you can update it each year.
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