2026 Medicare IRMAA planning

Make confident Medicare decisions.

Understand your premiums, explore what-if scenarios, and prepare the next step with clarity. Private, explainable calculations built on official CMS and SSA schedules.

Calculate my Medicare premiums Plan an income decision

No account, no Medicare number, no SSN. Your financial inputs never leave this browser.

2026 at a glance

The statutory snapshot

Official

Standard Part B$202.90per month

First IRMAA threshold$109,000single filer

Part D base benchmark$38.99not a plan premium

Normal lookback2024tax year for 2026

Five surcharge tiers plus the zero-surcharge baseline. See the full tables.

Start where you are

What would you like to understand?

Explore Medicare IRMAA

Immediate answerCalculate my Medicare premiumsTurn your AGI and tax-exempt interest into the exact Part B and Part D surcharge, with every boundary and source explained.Open the calculatorAvailable now Plan aheadPlan an income decisionSee how a Roth conversion, capital gain, or retirement date connects to Medicare two years later. Use source-linked explanations and a decision preparation checklist.Explore the Scenario LabPlanning guide Challenge a noticeChallenge a Medicare surchargeUnderstand the difference between an SSA-44 new initial determination and a formal reconsideration, with official forms and evidence guidance.Explore the Appeal NavigatorPreparation guide

Example scenario

See the calculation, not just the total.

The example starts with a single filer, $120,000 of AGI, no tax-exempt interest, and full-year Parts B and D. Change any input and every number updates from the same engine.

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Annual IRMAA$1,148.40

Tier 1 of 5

MAGI $120,000.002024 tax year

Individual IRMAA schedule. Part D plan premiums are kept separate from the Part D IRMAA surcharge.

Official published rates

2026 CMS and SSA schedules, independently checked. Future years are never presented as official.

Every dollar explained

Integer-cent arithmetic, month-by-month coverage, and a visible calculation path from MAGI to final surcharge.

Local by architecture

No account, no analytics, no upload. Refreshing the page clears scenario inputs from memory.

Built for clarity

Keyboard-accessible controls, readable tables, text equivalents for every chart, and plain-language explanations.

Regulatory baseline

Sources you can open yourself.

Data verified October 24, 2026. The calculator cites the exact CMS table, SSA POMS section, and tax-form line used for each result.