IRMAA and Medicare Premium Calculator
The income-related monthly adjustment amount is a cliff, not a phase-in: one dollar over a threshold puts the whole year in the next tier. This calculator shows the 2026 Part B and Part D surcharges, the annual cost, and the distance to the next cliff.
| MAGI | Part B | Part B surcharge | Part D surcharge |
|---|---|---|---|
| Up to $109,000 | $202.90 | $0.00 | $0.00 |
| $109,001 – $137,000 | $284.10 | $81.20 | $14.50 |
| $137,001 – $171,000 | $405.80 | $202.90 | $37.50 |
| $171,001 – $205,000 | $527.50 | $324.60 | $60.40 |
| $205,001 – $500,000 | $649.20 | $446.30 | $83.30 |
| Over $500,000 | $689.90 | $487.00 | $91.00 |
One dollar over a threshold moves the whole year into the next tier.
standard premium + tier surcharge · Standard 2026 premium $202.90.
plan premium + tier surcharge · Paid to Medicare, not the plan.
12 × (Part B + Part D surcharge + plan) · Per person.
A clear path from inputs to results.
The income-related monthly adjustment amount is a cliff, not a phase-in: one dollar over a threshold puts the whole year in the next tier. This calculator shows the 2026 Part B and Part D surcharges, the annual cost, and the distance to the next cliff.
How to use
- Set magi from two years earlier.
- Set filing status.
- Set part d plan premium (monthly).
- Read the headline metrics, then check the table for the detail.
The formula
Reference: CMS, 2026 Medicare Parts A & B Premiums and Deductibles fact sheet (14 November 2025).
Worked example
At the default inputs
- MAGI from two years earlier: 120000; Filing status: single; Part D plan premium (monthly): 40
- 1
Find the tier → 2/6 Add the surcharges → $338.60
Part B premium: $284.10/mo · Annual total: $4,063 · IRMAA tier: 2 of 6
Interpreting the result
At $120,000 of MAGI a single filer is in IRMAA tier 2 of 6: $284.10/month for Part B and $4,063 a year all-in.
Assumptions & limitations
- 2026 premiums are set by 2024 MAGI.
- The surcharge is per person; a couple pays it twice.
- The Part D plan premium is user-entered; the surcharge is added.
Frequently asked questions
Why did one dollar cost so much?
IRMAA is a cliff: crossing a threshold moves the whole year into the next tier.
Does Medicare Advantage avoid IRMAA?
No. Part B and Part D IRMAA still apply.
Methodology last reviewed 2026-10-23. Results are informational and not financial or engineering advice — see our disclaimer.