IRMAA Calculator 2026: Medicare Part B and D Surcharge
Find your 2026 Medicare IRMAA: the Part B premium and Part D surcharge for your income from two years ago, by filing status, and the next tier.
| Income (MAGI) | Part B | Part D extra |
|---|
The Part D surcharge is added to your drug plan premium. If your income dropped after a life-changing event (retirement, divorce, death of a spouse), you can ask Social Security to use a newer year with Form SSA-44.
What it does
IRMAA (income-related monthly adjustment amount) is an extra charge on Medicare Part B and Part D for people with higher incomes. Social Security looks at your modified adjusted gross income from two years earlier and puts you in one of six tiers; the higher the tier, the more you pay on top of the standard Part B premium and your Part D plan.
How to use it
- Choose your filing status and how many of you are on Medicare.
- Type the modified AGI from your 2024 tax return (AGI plus tax-exempt interest).
- See your Part B premium, the surcharges and how far you are from the next tier.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
What are the IRMAA brackets for 2026?
The standard Part B premium is 202.90. Single with 109,000 or less (218,000 joint) pays no surcharge; above that Part B rises to 284.10, 405.80, 527.50, 649.20 and 689.90 from 500,000 (750,000 joint).
How much IRMAA do I pay with 120,000 of income?
Single with a 2024 MAGI of 120,000: Part B is 284.10 (81.20 extra) plus 14.50 extra for Part D, 1,148.40 more a year. A married couple with 300,000, both on Medicare, pays 240.40 more each per month, 5,769.60 a year.
Which year's income is used for IRMAA?
2026 premiums use your 2024 tax return, two years earlier. Married filing separately jumps straight to 649.20 above 109,000.
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