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Insurance & Protection · Health & Medicare
Medicare IRMAA Calculator
Short answer: What does the Medicare IRMAA Calculator calculate?
The Medicare IRMAA Calculator works out part B monthly premium (per person), part B surcharge (IRMAA) and part D surcharge (IRMAA). See your 2026 Medicare Part B premium and the income-related surcharges (IRMAA) for Parts B and D based on your income. It uses US rules and USD, and it is free to use on this page.
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See your Medicare premiums with any income surcharge — results update as you type.
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Put this calculator on your websiteWhat this calculator does
What the Medicare IRMAA calculator works out
The Medicare IRMAA Calculator is a free, embeddable calculator from CalcFunnel. See your 2026 Medicare Part B premium and the income-related surcharges (IRMAA) for Parts B and D based on your income.
You enter 5 inputs: tax filing status, modified adjusted gross income (2024), people on medicare in your household, part D plan premium (monthly, per person) and I have part D drug coverage.
It returns part B monthly premium (per person), part B surcharge (IRMAA), part D surcharge (IRMAA), IRMAA bracket, total monthly premiums (household) and yearly IRMAA surcharges (household), plus 1 more figure.
Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.
Results it shows
- 01Part B Monthly Premium (per person)
- 02Part B Surcharge (IRMAA)
- 03Part D Surcharge (IRMAA)
- 04IRMAA Bracket
- 05Total Monthly Premiums (household)
- 06Yearly IRMAA Surcharges (household)
- 07Income Room Before Next Bracket
The first figure — part b monthly premium (per person) — is the headline result.
Inputs
What you can change
Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 7 results update as they type.
Income & Filing Status
- Tax Filing Status
- The filing status on the tax return Social Security uses (two years before the premium year). Married filing separately has its own brackets if you lived with your spouse at any time that year.Options: Single, head of household, qualifying surviving spouse, or married filing separately (lived apart all year) · Married filing jointly · Married filing separately (lived with spouse)
- Modified Adjusted Gross Income (2024)
- Adjusted gross income plus tax-exempt interest, from the tax return two years before the premium year (2024 for 2026 premiums).
Coverage
- People on Medicare in Your Household
- For married filing jointly, choose 2 if both spouses are on Medicare — each pays the premium and any surcharge. Other filing statuses count one person.Options: 1 · 2
- Part D Plan Premium (monthly, per person)
- The monthly premium of your drug plan, from the plan or Medicare Plan Finder. Enter 0 if you have no Part D plan; the Part D surcharge only applies if you have Part D coverage.
- I have Part D drug coverage
- Includes a stand-alone drug plan or a Medicare Advantage plan with drug coverage. The Part D surcharge is added to Part D coverage only.
Definitions
Medicare IRMAA terms, defined
The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.
- IRMAAIRMAA
- The income-related monthly adjustment amount: an extra charge added to Medicare Part B and Part D premiums for people with higher incomes. In 2026 it applies when modified adjusted gross income is above $109,000 for an individual return or $218,000 for a joint return, and the Part B premium can reach $689.90 a month.El ajuste mensual relacionado con el ingreso: un cargo adicional que se suma a las primas de las Partes B y D de Medicare para las personas con ingresos más altos. En 2026 se aplica cuando el ingreso bruto ajustado modificado supera $109,000 en una declaración individual o $218,000 en una declaración conjunta, y la prima de la Parte B puede llegar a $689.90 al mes.
- Part B standard premiumPrima estándar de la Parte B
- The monthly premium most people pay for Medicare Part B (doctor visits, outpatient care). It is $202.90 in 2026 and is usually deducted from Social Security benefits. The 2026 Part B deductible is $283.La prima mensual que paga la mayoría de las personas por la Parte B de Medicare (consultas médicas, atención ambulatoria). Es de $202.90 en 2026 y normalmente se descuenta de los beneficios del Seguro Social. El deducible de la Parte B de 2026 es de $283.
- Two-year look-backRevisión de dos años atrás
- Social Security sets IRMAA from the most recent tax return the IRS provides, usually the one from two years earlier. 2026 premiums are based on 2024 income, so a large Roth conversion, home sale or capital gain can raise premiums two years later.El Seguro Social fija el IRMAA con la declaración de impuestos más reciente que le proporciona el IRS, normalmente la de dos años antes. Las primas de 2026 se basan en el ingreso de 2024, por lo que una conversión Roth grande, la venta de una casa o una ganancia de capital pueden aumentar las primas dos años después.
- Brackets are a cliffLos tramos son un escalón
- IRMAA is not phased in. One dollar over a threshold moves you into the next bracket and the full surcharge for that bracket applies. That is why the calculator shows how much income room you have before the next bracket.El IRMAA no se aplica de forma gradual. Un dólar por encima de un umbral lo pasa al siguiente tramo y se aplica el recargo completo de ese tramo. Por eso la calculadora muestra cuánto margen de ingreso tiene antes del siguiente tramo.
- Modified adjusted gross income (MAGI)Ingreso bruto ajustado modificado (MAGI)
- For IRMAA, MAGI is adjusted gross income plus tax-exempt interest income. Qualified Roth IRA withdrawals and HSA withdrawals for medical costs are not included; required minimum distributions and taxable Social Security are.Para el IRMAA, el MAGI es el ingreso bruto ajustado más los intereses exentos de impuestos. No incluye retiros calificados de una Roth IRA ni retiros de la HSA para gastos médicos; sí incluye las distribuciones mínimas obligatorias y el Seguro Social gravable.
- Life-changing event (SSA-44)Evento que cambia la vida (SSA-44)
- If your income has gone down because of marriage, divorce, a spouse's death, stopping or reducing work, loss of income-producing property, or loss of a pension, you can ask Social Security to use a more recent year's income by filing form SSA-44 with proof.Si su ingreso bajó por matrimonio, divorcio, muerte del cónyuge, dejar de trabajar o reducir su trabajo, pérdida de una propiedad que generaba ingresos o pérdida de una pensión, puede pedirle al Seguro Social que use el ingreso de un año más reciente presentando el formulario SSA-44 con pruebas.
- Part D surchargeRecargo de la Parte D
- The IRMAA for prescription drug coverage, from $14.50 to $91.00 a month in 2026. It is paid to Medicare, not to your plan, on top of your plan's own premium, and it applies to stand-alone drug plans and Medicare Advantage plans that include drug coverage.El IRMAA de la cobertura de medicamentos recetados, de $14.50 a $91.00 al mes en 2026. Se paga a Medicare, no a su plan, además de la prima propia del plan, y se aplica a los planes de medicamentos independientes y a los planes Medicare Advantage que incluyen cobertura de medicamentos.
- Married filing separatelyCasado que declara por separado
- If you file separately and lived with your spouse at any time during the year, much tighter brackets apply: income above $109,000 goes straight to the second-highest surcharge, and $391,000 or more to the highest. Separate filers who lived apart all year use the individual brackets.Si declara por separado y vivió con su cónyuge en algún momento del año, se aplican tramos mucho más estrictos: un ingreso superior a $109,000 pasa directamente al segundo recargo más alto, y uno de $391,000 o más al más alto. Quienes declaran por separado y vivieron separados todo el año usan los tramos individuales.
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Q.01What does the Medicare IRMAA Calculator calculate?
See your 2026 Medicare Part B premium and the income-related surcharges (IRMAA) for Parts B and D based on your income. It returns part B monthly premium (per person), part B surcharge (IRMAA), part D surcharge (IRMAA), IRMAA bracket, total monthly premiums (household) and yearly IRMAA surcharges (household), plus 1 more figure.
Q.02What information do I need to use the Medicare IRMAA Calculator?
You enter 5 inputs: tax filing status, modified adjusted gross income (2024), people on medicare in your household, part D plan premium (monthly, per person) and I have part D drug coverage. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Tax Filing Status” mean in the Medicare IRMAA Calculator?
The filing status on the tax return Social Security uses (two years before the premium year). Married filing separately has its own brackets if you lived with your spouse at any time that year.
Q.04What does “Modified Adjusted Gross Income (2024)” mean in the Medicare IRMAA Calculator?
Adjusted gross income plus tax-exempt interest, from the tax return two years before the premium year (2024 for 2026 premiums).
Q.05Is the Medicare IRMAA Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Medicare IRMAA Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Medicare IRMAA Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Medicare IRMAA Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Medicare IRMAA results financial advice?
No. Estimates only. Uses the 2026 Part B standard premium ($202.90) and the 2026 IRMAA brackets published by CMS on November 14, 2025. 2027 amounts are normally announced in the fall. Social Security usually bases 2026 IRMAA on the modified adjusted gross income from your 2024 tax return. If your income dropped because of a life-changing event such as retirement, marriage, divorce or a spouse's death, you can ask Social Security to use a more recent year (form SSA-44). Part D plan premiums vary by plan. This does not cover Medicare Advantage, Medigap or Part A premiums. Confirm with Social Security or Medicare.
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