Medicare IRMAA Planner
Estimate 2026 Medicare Part B and Part D IRMAA surcharges from the historic MAGI SSA generally uses, identify the tier, and screen for an SSA-44 discussion.
Quick answer: Estimate Medicare Part B and Part D IRMAA surcharges, identify the income tier, and see whether a current-year income drop may support an SSA-44 appeal. Enter MAGI tax year, filing status, planned MAGI change, and current-year MAGI to personalize the estimate. It returns IRMAA tier, monthly surcharge, and annual cost so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.
My estimated Medicare IRMAA surcharge is $96 per month, or $1,148 per year.
Quantify whether deferring income, using QCDs, or trimming conversions can keep the household below the next tier.
Part B surcharge is $81 per month and Part D surcharge is $15 per month. Total Part B premium is $284.
Current-year MAGI reduction is $60,000; keep documentation ready if a qualifying event occurs.
MAGI is $7,000 over the first IRMAA threshold, with $49,000 of room before the next modeled tier.
Build this in Money Map ->
- 1
Find the surcharge tier
Compare projected MAGI with the current IRMAA brackets before doing conversions, sales, or large withdrawals.
- 2
Create MAGI headroom
Use Roth conversion, RMD, Social Security, and capital-gain timing to avoid accidental premium cliffs.
- 3
Build the Medicare premium plan in Money Map
Save IRMAA, healthcare bridge, retirement income, and tax-stack decisions together.
This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.
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Why This Matters
Medicare IRMAA Planner helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.
How to Use It
- 1Enter your numbers in the input panel.
- 2Review the live results and interpretation on the right.
- 3Use the diagnostic outputs to compare options or plan the next step.
- 4Use the related links below if you want to move from analysis to action.
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