IRMAA Calculator
2026 premiums from 2024 income · reviewed September 5, 2026
Finds the Medicare premium tier your income lands in and what it costs for the year. AboutLess
In plain words. Medicare charges higher premiums to people with higher incomes, in steps called tiers. The income it looks at is from your tax return two years ago, and each step is a cliff: one dollar over a threshold moves you up a whole tier for the year. This tool takes an income and a filing status and shows the tier, the monthly premium, the extra cost for the year, and how far you are from the next threshold.
Why it matters. Withdrawals, conversions, and sales this year set your Medicare premiums two years from now. Knowing where the next cliff is lets you stop short of it.
An example. A single person with $120,000 of income lands in the first surcharge tier: about $284 a month for Part B instead of $203, about $1,150 more for the year. The next tier begins at $137,001.
Where it stops. It uses this year's published tiers and the income you enter. If your income fell because you retired, lost a spouse, or divorced, you can ask Social Security to use a more recent year; the appeal checker covers that. Everything it leaves out.
Your adjusted gross income plus any tax-exempt interest. Medicare sets its income-related surcharge from the return filed two years before the premium year.
- Part B premium each month
- $284.10
- $202.90 standard plus $81.20 surcharge
- Part D surcharge each month
- $14.50
- Added on top of your drug plan's own premium
- Extra cost for the year
- $1,148.40
- Above the standard premium, Part B and Part D together
Your income puts you in the first surcharge tier. That means $95.70 a month more than the standard premium, or $1,148.40 for the year. This tier starts at $109,001. The next tier starts at $137,001, which is $17,001 above your income.
This follows the Medicare income-related surcharge rules, using the 2026 tiers from Medicare and the income figure Social Security uses. It does not cover the appeal that lets a more recent year be used if your income fell after 2024 because of retirement, a death, a divorce, or another listed event. The first threshold is $109,000 for a single filer and $218,000 for a joint return. Educational, not advice.
This is a simplified model, not your actual tax return or plan. It only knows what you type in, leaves out rules that may apply to you, and cannot weigh the other facts and trade-offs a real decision depends on. Before you act, talk with a professional who knows your whole situation.
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.