Part of Your Retirement Number

Medicare & IRMAA Estimator

What will Medicare cost you, and the income cliffs to watch.

Your situation

IRMAA is charged per person, so a couple can pay it twice.
For IRMAA, MAGI is your AGI plus any tax-exempt interest. Use the year the IRS will look at (see the two-year note below).
$
Leave at 0 if your MAGI above already includes it. If you entered AGI above, put your tax-exempt interest here and we'll add it.
$

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$0 / month
Estimated household Medicare premium
$0 / year
Same cost, annualized

The IRMAA cliff

Each step is a tier. Crossing a line — even by $1 of income — bumps you to the next step for the whole year, per person.

Per-person vs. household

 Part BPart D IRMAAPer person
Monthly, per person$0$0$0
Household (× 2)$0$0$0
Household / year$0

Part D shows only the IRMAA surcharge. Your actual Part D plan also has its own base premium, which varies by plan and is not included here.

The two-year lookback

Your premiums this year are based on the MAGI from your tax return two years ago. So income you create now — including a Roth conversion or a big capital gain — can raise your Medicare premiums about two years later.
↪ The Roth conversion tool warns about this too.

People near a threshold often watch their income late in the year, because a one-time spike — a large withdrawal, a property sale, a year-end bonus — can push them over a line. This tool is here to show where those lines are, not to tell you what to do.

⚙️ Medicare figures (update each year)▾
Figures for: 2026. Verify at medicare.gov / cms.gov. These are the official 2026 CMS figures (IRMAA based on 2024 MAGI). Re-check and update every fall when CMS posts the new year.

Pick a filing status to edit its tiers. Each row = the MAGI lower bound of a tier, the total monthly Part B premium (base + surcharge), and the monthly Part D IRMAA surcharge.

MAGI from ($)Part B / mo ($)Part D IRMAA / mo ($)

Before you rely on this

This is an estimate

It's only as current as the figures in the panel above, which change every year. Verify at medicare.gov before making decisions.

Part D plan premium not included

Your total Part D cost is the plan's own premium plus any IRMAA surcharge. This tool shows only the IRMAA surcharge, not the base plan premium.

A life-changing event may let you appeal

Retirement, the death of a spouse, marriage, or divorce can let you ask Social Security to use more recent income via Form SSA-44. This tool doesn't handle appeals.

After a spouse passes, costs can rise

The survivor usually files as Single, where the IRMAA thresholds are lower — so the same income can land in a higher tier and cost more.