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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: 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.

SWReviewed by SwitchWize Research Desk · Last reviewed July 2, 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@2026.1.0

Sources: 2026 Medicare Parts A & B Premiums and Deductibles · Form SSA-44 — Medicare Income-Related Monthly Adjustment Amount

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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 IRMAA premium planFirst IRMAA tier
Projected MAGI
$0
IRMAA tier
Tier 1
Monthly surcharge
$96
Annual cost
$1,148
Next best move

Quantify whether deferring income, using QCDs, or trimming conversions can keep the household below the next tier.

Part B / Part D split

Part B surcharge is $81 per month and Part D surcharge is $15 per month. Total Part B premium is $284.

Appeal check

Current-year MAGI reduction is $60,000; keep documentation ready if a qualifying event occurs.

Premium cliff context

MAGI is $7,000 over the first IRMAA threshold, with $49,000 of room 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.

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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?
Yes, through Form SSA-44, but only for specific life-changing events like retirement, a marriage or divorce, or the loss of income-producing property, not simply because income was unusually high in a given year. This calculator flags when your situation looks like a plausible appeal candidate.
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

IRMAA surcharges are based on income from two years earlier, so a single large Roth conversion, capital gain, or RMD today can raise your Medicare premiums well into the future without you realizing it until the bill arrives. Checking your projected income against the IRMAA tiers before you convert, sell, or withdraw is what actually prevents an avoidable premium increase, and knowing when a life-changing event qualifies for an SSA-44 appeal can undo one after the fact.

How to Use It

  1. 1Enter your MAGI for the relevant lookback tax year and your filing status
  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. 4If you've had a life-changing event, use the appeal-candidate output to see if an SSA-44 filing may apply
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