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Medicare IRMAA Calculator: 2026 Part B & D Surcharge

See if your income adds IRMAA to your 2026 Medicare Part B and Part D premiums, the cost per month and year, and how far you are from the next level.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Scope: the 2026 income-related monthly adjustment amount (IRMAA) that people with higher incomes pay on top of their Medicare Part B premium and Part D (drug coverage) premium, in US dollars, using the 2026 tables from CMS. Your level depends on your modified adjusted gross income (MAGI), which SSA defines as your adjusted gross income plus tax-exempt interest, generally from your 2024 tax return, and on your filing status: joint filers, people married filing separately who lived with their spouse at any time during the year, and everyone else (single, head of household, qualifying surviving spouse, or married filing separately and living apart all year). The standard 2026 Part B premium is $202.90 a month ($121.60 for immunosuppressive drug coverage only). Not included: your Part D or Medicare Advantage plan’s own premium (IRMAA is added on top of it), Part A premiums, late-enrollment penalties, help from Medicaid or Medicare Savings Programs, the hold-harmless rule, partial years of coverage, and 2027 amounts (CMS sets them each fall). This is not an SSA decision; SSA sends you a letter with your actual amount. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate. Sources reviewed November 12, 2026.

How to use it (step by step)

  1. 1Pick the filing status from your 2024 federal tax return.
  2. 2Type your 2024 adjusted gross income (Form 1040, line 11) and any tax-exempt interest (line 2a). Pick your Part B coverage and whether you have Medicare drug coverage.
  3. 3Read your IRMAA, your full Part B premium and how far your income is from the next level. If your income dropped because you retired or another life-changing event, see the SSA-44 tip.

Words to know

IRMAA
Income-related monthly adjustment amount: an extra charge on top of the normal Medicare Part B and Part D premiums for people whose income is above a set line.
MAGI (modified adjusted gross income)
For IRMAA, your adjusted gross income plus tax-exempt interest (for example from municipal bonds), from the tax return SSA uses.
Part B and Part D
Part B is Medicare medical insurance (doctor visits, outpatient care). Part D is Medicare drug coverage, alone or inside a Medicare Advantage plan.
Form SSA-44
The form to ask SSA to use a newer, lower income if a life-changing event, such as retiring or losing a spouse, cut your income.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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