IRMAA Calculator
Whether your income triggers a Medicare Part B & D surcharge — and by how much.
$
Income from two years ago
Extra per year$2,884.80IRMAA tier 2 (Parts B + D)
Part B / month$405.80Incl. $202.90 surcharge
Part D surcharge / mo$37.50On top of your plan premium
As of 2026 CMS figures (standard Part B premium $202.90/month). IRMAA is based on your modified AGI from two years prior — 2026 surcharges use 2024 income. The individual schedule covers single, head-of-household, and married-filing-separately filers who lived apart all year; married filing jointly has its own. Married-filing-separately filers who lived with a spouse use a separate CMS schedule not modeled here. IRMAA is a cliff: one dollar over a threshold adds the full next-tier surcharge for the year.