Medicare IRMAA Surcharge Calculator — 2026
Enter your income to see if you owe extra Medicare premiums. Your data never leaves your browser.
MAGI for IRMAA = your Adjusted Gross Income (Form 1040, line 11) plus any tax-exempt interest income (line 2a). This includes:
- Social Security benefits
- Pension and annuity income
- IRA/401(k) withdrawals and Roth conversions
- Capital gains (including home sales above the exclusion)
- Tax-exempt municipal bond interest
- Wages, self-employment income
Note: Roth IRA withdrawals do not count toward MAGI.
Your 2026 Medicare Premiums
⚠️ Cliff Warning
Total for Both Spouses
IRMAA applies per person. If both you and your spouse are on Medicare:
- Combined monthly Part B:
- Combined annual Part B:
- Combined annual extra vs. standard:
View All 2026 IRMAA Brackets
Ways to Reduce Your IRMAA
- Spread Roth conversions over multiple years to stay below the cliff
- Use Qualified Charitable Distributions (QCDs) if 70½+ — they reduce MAGI directly
- Time asset sales across tax years to avoid income spikes
- Appeal with SSA-44 if you had a qualifying life event (retirement, divorce, death of spouse)
Read our full IRMAA guide → for detailed strategies with real examples.
What Is IRMAA?
Most people on Medicare pay the same monthly premium for Part B (doctor visits) and Part D (prescriptions). But if your income is above a certain amount, you pay extra. That extra charge is called IRMAA.
Why should I care?
The extra cost can be big — up to $487 more per month per person. And it sneaks up on you, because Medicare looks at your income from two years ago, not today. So a home sale or retirement account withdrawal in 2024 can raise your premiums in 2026.
Who does this affect?
- Single filers making over $109,000/year
- Married couples making over $218,000/year combined
If you’re below those numbers, you pay the standard premium and IRMAA doesn’t apply to you.
Disclaimer: This calculator provides estimates based on published 2026 IRMAA brackets. Your actual premiums are determined by the Social Security Administration using your IRS tax data. This tool is for educational purposes only and is not financial or tax advice. Consult a qualified financial advisor for personalized guidance.