IRMAA Calculator 2026 — Medicare Income Surcharge
2026 NewFind your 2026 IRMAA bracket from MAGI, how much more income fits under the next threshold, and what a Roth conversion adds to Part B and Part D premiums two years later.
By Konstantin Iakovlev · Updated September 2026 · Source: CMS — 2026 Medicare Parts A & B Premiums and Deductibles
Part B premium per person, monthly
$405.80
IRMAA surcharge per year
$2,884.80
Room below the next bracket
$21,000
Your IRMAA
| Bracket | $137,001 – $171,000 |
| Part B surcharge per person, monthly | $202.90 |
| Part D surcharge per person, monthly | $37.50 |
| Surcharge per year (one person) | $2,884.80 |
| Crossing into the next bracket costs per year | $1,735.20 |
2026 IRMAA brackets (per person, monthly)
| 2024 MAGI | Part B total | Part D add-on |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| $109,001 – $137,000 | $284.10 | $14.50 |
| $137,001 – $171,000 | $405.80 | $37.50 |
| $171,001 – $205,000 | $527.50 | $60.40 |
| $205,001 – under $500,000 | $649.20 | $83.30 |
| $500,000 or more | $689.90 | $91.00 |
CMS 2026 figures. The 2027 thresholds apply to 2025 income and come out with the 2027 premiums in November 2026. Indexed with the CPI-U formula in the law, the first threshold becomes about $112,000 single and $224,000 joint and the married-filing-separately top $388,000; the $500,000 and $750,000 top thresholds stay frozen until 2028. After a marriage, divorce, death of a spouse, retirement or other life-changing event you can ask Social Security to use a more recent year with Form SSA-44. Part B premium calculator
Use the IRMAA Calculator 2026 — Medicare Income Surcharge above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and is not medical advice. Results are estimates from standard formulas and the numbers you enter. Talk to a doctor or another qualified health professional about your own health before acting on them.
How It Works
IRMAA, the income-related monthly adjustment amount, is a surcharge on Medicare Part B and Part D premiums. In 2026 it applies once modified adjusted gross income passes $109,000 for a single filer or $218,000 for a married couple filing jointly. Social Security uses the tax return from two years earlier, so 2024 income sets 2026 premiums. MAGI here is adjusted gross income plus tax-exempt interest.
The brackets are cliffs, not marginal rates: one dollar over a threshold charges the full next surcharge for the whole year, and a married couple who are both on Medicare pay it twice. In 2026 the standard Part B premium is $202.90. The five surcharge tiers add $81.20 to $487.00 a month to Part B and $14.50 to $91.00 to Part D, per person. The calculator shows how much more income fits below your next threshold, which is the number to check before a Roth conversion, a capital gain or a large IRA withdrawal.
Married people who file separately and lived together at any time during the year have only two thresholds, $109,000 and $391,000. If income fell because of retirement, the death of a spouse, divorce, marriage or a lost pension, Form SSA-44 asks Social Security to use a more recent year. The 2027 thresholds are indexed to inflation and come out with the 2027 premiums in November 2026; the $500,000 and $750,000 top thresholds stay frozen until 2028.
Example: $150,000 of MAGI and a $30,000 Roth Conversion
- 1 Input: a single retiree with 2024 MAGI of $150,000 who is weighing a $30,000 Roth conversion.
- 2 2026 bracket: $150,000 falls in the $137,001 to $171,000 tier. Part B costs $405.80 a month ($202.90 plus a $202.90 surcharge) and Part D adds $37.50, so the surcharges come to $2,884.80 a year.
- 3 Headroom: $21,000 more income fits before the $171,000 threshold.
- 4 Result: the $30,000 conversion lifts MAGI to $180,000, the next tier ($324.60 Part B and $60.40 Part D surcharges), so premiums two years later rise by $1,735.20 for that year. Converting $21,000 instead would stay in the current tier.
Source: CMS — 2026 Medicare Parts A & B Premiums and Deductibles · Last updated: September 2026
Frequently Asked Questions
What are the 2026 IRMAA brackets?
Which year's income is used for IRMAA?
Can I lower IRMAA after I retire?
What will the IRMAA brackets be in 2027?
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