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Medicare IRMAA Calculator: Your 2026 Part B and Part D Premiums
Enter your tax filing status and your income from your tax return two years ago to see your 2026 Part B premium, any IRMAA surcharge, your Part D IRMAA add-on, and your yearly total.
- IRMAA is based on your modified adjusted gross income from two years earlier.
- In 2026 the standard Part B premium is $202.90 a month; higher incomes pay more.
- Part D IRMAA is added to your drug plan premium and paid to Medicare.
- A life-changing event such as retirement may lower your IRMAA with Form SSA-44.
Table of Contents
This Medicare IRMAA calculator shows what you’ll pay for Part B in 2026, plus any income-related add-on to your Part D premium, based on your tax filing status and the modified adjusted gross income (MAGI) on your tax return from two years earlier. For 2026 premiums, that is usually your 2024 return. It uses the official CMS figures for 2026 and runs entirely in your browser. For the full background on how IRMAA works and how to get it lowered, read our Medicare IRMAA guide.
Medicare IRMAA calculator (2026)
Enter the figures from the federal tax return Social Security uses for 2026, which is usually your 2024 return.
Estimates only, using CMS’s 2026 figures for full Part B coverage. Social Security makes the official IRMAA decision. Part D amounts are added to your plan’s own premium. A late enrollment penalty, or Part B for immunosuppressive drugs only, changes the totals.
How to use the Medicare IRMAA calculator
The Medicare IRMAA calculator needs two numbers from one tax return: your filing status and your MAGI. For 2026, Social Security generally uses the return for tax year 2024, which you filed in 2025.
- Pick your filing status exactly as it appears on that return. If you were married and filed separately, the answer depends on whether you lived with your spouse at any point that year.
- Enter your MAGI. Start with adjusted gross income from your Form 1040 and add tax-exempt interest. Commas and a dollar sign are fine.
- Tell it about Part D. If you have a stand-alone drug plan or a Medicare Advantage plan with drug coverage, the Part D IRMAA applies.
- For joint filers, say whether one or both of you have Part B, so the household totals are right.
The results show your 2026 bracket, your Part B premium 2026 total, the Part D IRMAA add-on, and monthly and yearly totals. Nothing you enter leaves your browser.
Not sure whether you owe IRMAA 2026 at all? Start with the first line: $109,000 of MAGI on an individual return, or $218,000 on a joint return. At or below that line you pay the standard $202.90 and no Part D IRMAA.
How the Medicare IRMAA calculator works
The calculator does three lookups and some multiplication. It matches your MAGI and filing status to a bracket in the CMS 2026 fact sheet. It adds that bracket’s Part B adjustment to the $202.90 standard premium, then reads the Part D adjustment for the same bracket. Yearly totals are the monthly amounts times 12.
Hypothetical example: Carol is single. Her 2024 return shows AGI of $146,000 and $4,000 of tax-exempt municipal bond interest, so her MAGI is $150,000. She has a Part D plan.
- $150,000 is above $137,000 and up to $171,000, the third bracket for individual returns.
- Part B: $202.90 + $202.90 = $405.80 a month, or $4,869.60 for 2026.
- Part D IRMAA: $37.50 a month on top of her plan premium, or $450.00 for the year.
- Extra cost from IRMAA 2026: $202.90 + $37.50 = $240.40 a month, or $2,884.80 for the year.
Had her MAGI been $137,000, she would have landed one bracket lower and paid $284.10 for Part B and $14.50 for Part D IRMAA. That $13,000 difference in income costs her $144.70 a month, which is why the calculator tells you where the next line sits.
IRMAA 2026: your Part B premium 2026 by income
These are the Part B figures the calculator uses, straight from CMS. They apply to people with full Part B coverage.
| Individual return (2024 MAGI) | Joint return (2024 MAGI) | IRMAA | Part B premium 2026 |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 |
| Above $109,000 up to $137,000 | Above $218,000 up to $274,000 | $81.20 | $284.10 |
| Above $137,000 up to $171,000 | Above $274,000 up to $342,000 | $202.90 | $405.80 |
| Above $171,000 up to $205,000 | Above $342,000 up to $410,000 | $324.60 | $527.50 |
| Above $205,000 and less than $500,000 | Above $410,000 and less than $750,000 | $446.30 | $649.20 |
| $500,000 or above | $750,000 or above | $487.00 | $689.90 |
Married people who file separately and lived with their spouse during the year have a shorter table. CMS sets MAGI of $109,000 or less at $202.90, above $109,000 and less than $391,000 at $649.20, and $391,000 or above at $689.90.
People who have Part B only for immunosuppressive drug coverage after a kidney transplant use a separate CMS table with lower amounts. This calculator doesn’t cover that case.
Part D IRMAA in 2026
The Part D IRMAA uses the same income lines. It is a fixed amount added to your drug plan’s own premium, so a $0-premium plan doesn’t make it go away.
| Individual return (2024 MAGI) | Joint return (2024 MAGI) | Part D IRMAA per month |
|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 |
| Above $109,000 up to $137,000 | Above $218,000 up to $274,000 | $14.50 |
| Above $137,000 up to $171,000 | Above $274,000 up to $342,000 | $37.50 |
| Above $171,000 up to $205,000 | Above $342,000 up to $410,000 | $60.40 |
| Above $205,000 and less than $500,000 | Above $410,000 and less than $750,000 | $83.30 |
| $500,000 or above | $750,000 or above | $91.00 |
For married people filing separately who lived with their spouse, CMS lists $83.30 above $109,000 and less than $391,000, and $91.00 at $391,000 or above.
Under 42 CFR 423.286, the amounts are figured from the national base beneficiary premium, not from your own plan’s price. CMS set that base at $38.99 for 2026 in its 2026 Part D bid information. Our Medicare Part D guide covers the drug benefit itself.
Which filing status the calculator uses
Social Security’s rule, 20 CFR 418.1115, sorts people into three tables:
- Individual table: single, head of household, qualifying widow(er) with a dependent child, and married filing separately when you lived apart from your spouse for the entire tax year.
- Joint table: married people who filed a joint return.
- Separate-filer table: married people who filed separately and lived with their spouse at any time during the tax year.
The last group reaches the high brackets quickly. A married person who lived with a spouse, filed separately and reported $120,000 of MAGI pays $649.20 for Part B in 2026, while a single filer at the same income pays $284.10. Talk to a tax professional before choosing a filing status for other reasons.
For couples on a joint return, IRMAA 2026 applies to each spouse who has Medicare. A couple with $300,000 of MAGI who both have Part B and a drug plan pays $405.80 each for Part B and $37.50 each in Part D IRMAA. The extra cost over the standard premium is $480.80 a month for the two of them, or $5,769.60 for the year.
What MAGI and which tax year the calculator uses
Under 20 CFR 418.1010, MAGI for IRMAA is your adjusted gross income plus certain tax-exempt income. That includes tax-exempt interest and some other items, such as excluded foreign earned income.
The year matters as much as the number. 20 CFR 418.1135 says Social Security uses the tax year two years before the premium year. If the IRS can’t provide it, Social Security uses the year three years before, then adjusts once the newer return is available.
| Premium year | Return usually used | Fallback |
|---|---|---|
| 2026 | 2024 | 2023 |
| 2027 | 2025 | 2024 |
CMS had not published the 2027 Part B premium or IRMAA 2027 brackets when we checked in October 2026. Until it does, the Medicare IRMAA calculator uses 2026 figures. You can still enter your 2025 MAGI to see roughly where you might land, knowing the lines usually move each year.
When the Medicare IRMAA calculator result can change
Your bracket isn’t locked in. These situations can move it:
- A life-changing event. 20 CFR 418.1205 lists them: death of a spouse, marriage, divorce or annulment, you or your spouse stopping or reducing work, loss of income-producing property through no fault of your own, a scheduled end or restructuring of an employer pension, and an employer settlement after a closure, bankruptcy or reorganization.
- Form SSA-44. If one of those events lowered your income, Social Security lets you submit Form SSA-44 online through my Social Security, by fax or mail to a local office, at an appointment, or by calling 1-800-772-1213 (TTY 1-800-325-0778).
- An amended return. Social Security’s lower-IRMAA page tells you to call and say you want to lower your IRMAA if you filed an amended tax return.
- One-time income. A Roth conversion, a home sale or a big capital gain isn’t a life-changing event. Expect one higher year, then a drop when the lower year becomes the lookback year.
Our Medicare IRMAA explainer walks through the evidence Social Security asks for and the appeal route if you think it made a mistake.
Medicare IRMAA calculator: frequently asked questions
Which year’s income do I enter?
For 2026 premiums, use your 2024 return. If Social Security’s notice cites a different year, use that year’s figures to check its math.
Does IRMAA apply if I have Medicare Advantage?
Yes. You still pay the Part B premium, including any IRMAA. If your plan includes drug coverage, the Part D IRMAA applies too. See our Medicare Part C guide for how plan premiums stack on top.
Why does the calculator double the cost for couples?
Each spouse with Medicare pays his or her own premium. On a joint return, both spouses fall in the same bracket, so both pay the adjustment.
Does it include a late enrollment penalty?
No. A Part B late enrollment penalty is added separately and raises the total. Our guide to the Part B late enrollment penalty shows how it is figured.
What if my MAGI is exactly on a line?
For the first four lines, a MAGI equal to the figure stays in the lower bracket. For $500,000 individual and $750,000 joint, CMS writes the top bracket as “or above,” so hitting the figure exactly puts you in the top bracket.
Is this the official amount?
No. Social Security decides IRMAA and sends you a notice. Use the calculator to check that notice or to plan ahead.
Medicare IRMAA checklist
- Find your 2024 return and note your filing status.
- Add tax-exempt interest to your AGI to get MAGI.
- Run the Medicare IRMAA calculator and note how close you are to the next line.
- Compare the result with any premium notice from Social Security.
- If a life-changing event lowered your income, gather proof and file Form SSA-44.
- Before a large withdrawal, Roth conversion or sale, ask your tax advisor how it lands two years later.
- Budget the Part D IRMAA on top of your drug plan’s premium.
How Octans can help
We can’t change Social Security’s IRMAA decision, and we’re not tax advisors. What our licensed agents can do is compare Medigap, Medicare Advantage and Part D options with your full premium in view, IRMAA included. Octans Insurance is an independent agency based in Massachusetts. Call us at (617) 935-9220.
Free, unbiased help is also available. Your State Health Insurance Assistance Program (SHIP) offers free counseling; in Massachusetts it is called SHINE. You can also call 1-800-MEDICARE (1-800-633-4227), or Social Security at 1-800-772-1213 with questions about an IRMAA notice.
Keep Reading: Related Guides
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This article is for general information and is not tax, legal, or medical advice.
About examples and tools: Hypothetical examples, sample rates, calculators and quizzes on this site are for general educational and illustrative purposes only. They are not quotes, offers of coverage, or guarantees of eligibility, approval, price or benefits, and they are not legal, tax, financial or medical advice. The insurance company decides eligibility and price; Medicare rules are set by CMS and the Social Security Administration. Octans Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.
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