Free tool · Retirement

IRMAA / Medicare Surcharge Calculator

See your 2026 income-related Medicare surcharge (IRMAA) on Part B and Part D — the extra premium that kicks in the moment your MAGI crosses a bracket.

Your 2026 IRMAA surcharge

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IRMAA tier

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Monthly surcharge

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Room to next bracket

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Annual surcharge (Part B + Part D)—

Monthly surcharge—

Next bracket starts above—

MAGI headroom before next bracket—

IRMAA uses a 2-year MAGI lookback: your 2026 Medicare premiums are based on the MAGI from your 2024 tax return. It is a cliff, not a phase-in — crossing a bracket by even $1 raises your surcharge for the whole tier. For married-filing-jointly, the figures shown are the combined household total for both spouses. Federal Medicare figures only — not tax advice.

One slice of the picture

See which retirement-income moves push you over the next bracket.