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Medicare IRMAA Planner | Estimate Your Part B/D Surcharge

Find your income-related Medicare surcharge tier and see whether an income drop could support an SSA-44 appeal.

Quick answer: For 2026 Medicare premiums, Social Security generally uses 2024 modified adjusted gross income and filing category. Enter those facts and the number of beneficiaries to estimate income-related surcharges. Social Security decides appeals. Use the retirement planner if your historical and current filing categories differ.

SWReviewed by SwitchWize Research Desk · Last reviewed October 31, 2026
Monthly IRMAA Surcharge
$96
Monthly IRMAA Surcharge
$96
MAGI Used for This 2026 Estimate
$225,000
First IRMAA Threshold
$218,000
Second IRMAA Threshold
$274,000
Rule-backed calculation
Supported · 2026

Engine retirement-medicare-irmaa-2026 · us-medicare-irmaa-2026@2026.1.1

Sources: 2026 Medicare Parts A & B Premiums and Deductibles · Form SSA-44 — Medicare Income-Related Monthly Adjustment Amount · POMS HI 01101.031 — IRMAA filing and residence categories

Copy supported inputs to the retirement planner
Third IRMAA Threshold
$342,000
Fourth IRMAA Threshold
$410,000
Top IRMAA Threshold
$750,000
Amount Over First Threshold
$7,000
Headroom Before Next Tier
$49,000
Monthly Part B IRMAA
$81
Monthly Part D IRMAA
$15
Annual IRMAA Cost
$1,148
Total Part B Premium
$284
Current-Year MAGI Reduction
$60,000
Potential SSA-44 Appeal Candidate
No
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My estimated Medicare IRMAA surcharge is $96 per month, or $1,148 per year.

Medicare premium estimateFirst IRMAA tier

Dollar amounts are rounded to whole dollars. MAGI means modified adjusted gross income. For 2026 premiums, Social Security generally uses 2024 income. Your current-year estimate is separate and may support an appeal after a qualifying life event. Social Security makes the final decision.

2026 premium income (2024 MAGI)
$225,000
Current income estimate (MAGI)
$165,000
Income tier
Tier 1
Monthly household surcharge
$96
Annual household surcharge
$1,148
Next step

Review whether a large withdrawal or Roth conversion would move your household into the next income tier.

Part B and Part D surcharges

For each person enrolled, the Part B surcharge is $81 a month and the Part D surcharge is $15. The standard Part B premium plus surcharge is $284 a month.

Check if an appeal may apply

This estimate does not suggest an appeal. A lower income by itself may not qualify; check the life-changing-event rules with Social Security.

Income tier context

Your entered income is $7,000 above the first income threshold, with $49,000 before the next modeled tier.

What to do next

This surcharge is set by income from two years ago and applies for the full Medicare year. Use the RMD Planner and Roth Conversion Planner to avoid crossing the next tier.

Your action plan
  1. 1

    Find the surcharge tier

    Compare projected MAGI with the current IRMAA brackets before doing conversions, sales, or large withdrawals.

  2. 2

    Create MAGI headroom

    Use Roth conversion, RMD, Social Security, and capital-gain timing to avoid accidental premium cliffs.

  3. 3

    Build the Medicare premium plan in Money Map

    Save IRMAA, healthcare bridge, retirement income, and tax-stack decisions together.

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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.

Calculator action path

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Build this Medicare premium plan in Money MapSave IRMAA exposure next to retirement income, tax, RMD, and healthcare bridge decisions.
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Review retirement tax stackCheck Roth conversion room, Social Security, RMD pressure, and tax reserves together.
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Check RMD pressureSee whether required distributions could push MAGI into a higher Medicare premium tier.
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Model Roth conversion IRMAA riskTest whether a conversion crosses the first Medicare surcharge threshold.
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Plan the bridge to MedicareEstimate health coverage costs before Medicare starts and connect them with retirement cash flow.
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Frequently Asked Questions

Everything you need to know.

What income does IRMAA actually look at?
IRMAA is based on your Modified Adjusted Gross Income (MAGI) from two years before the current year, which is why a Roth conversion or large capital gain today can raise your Medicare premiums two years from now, not immediately.
Can I appeal an IRMAA surcharge?
A qualifying life-changing event, such as work stoppage or reduction, marriage, divorce, or a spouse's death, together with reduced income may support an SSA-44 request. A one-time income spike alone is not such an event. This quick comparison assumes the same filing category in both income years; use the coordinated planner if that category changed. SSA decides eligibility and any revised premium.
Does IRMAA affect both Medicare Part B and Part D?
Yes, both carry an income-related surcharge on top of the standard premium, and they're assessed using the same MAGI tiers, which is why this calculator estimates both together rather than just Part B.
Is the Medicare IRMAA Planner free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Medicare IRMAA Planner affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to build this in money map, or run Money Map to compare this investing & retirement decision with your other opportunities.
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Related offers are matched by the calculator surface (ira) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
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The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Medicare IRMAA generally uses income from two years earlier. This calculator estimates 2026 surcharges and uses 2026 tiers for a later-year sensitivity; future thresholds and premiums may differ. A qualifying life-changing event and reduced income may support an SSA-44 request, but SSA determines the result.

How to Use It

  1. 1Enter lookback-year MAGI and the income-year filing and residence category; separate filers living apart all year use the individual table
  2. 2Add any planned change to this year's MAGI, such as a Roth conversion or large withdrawal
  3. 3Check your IRMAA tier and estimated monthly surcharge before finalizing income decisions
  4. 4For a qualifying life-changing event, review the appeal flag; if marriage, divorce or death changed the filing category, use the coordinated planner with separate-year inputs
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