Medicare IRMAA Calculator
Calculate your Income-Related Monthly Adjustment Amount (IRMAA) surcharges for Medicare Part B and Part D. See how your income affects your premiums and plan strategies to minimize surcharges.
Inputs
From your tax return 2 years prior (e.g., 2023 income for 2025 premiums)
Monthly IRMAA Surcharge
$0.00
No IRMAA — Standard Premium
Standard Part B
$185.00/mo
Your Total Part B
$185.00/mo
Annual IRMAA Cost
$0.00
IRMAA Brackets — Married Filing Jointly, 2025
Your bracket is highlighted. Each bar shows the combined Part B + Part D monthly surcharge.
IRMAA Calculator Inputs
2-Year Lookback: 2024 premiums are based on your 2022 tax return (MAGI).
Income Information
From your 2022 tax return
Your Medicare Coverage
Your plan's monthly premium (before IRMAA)
What is MAGI? Modified Adjusted Gross Income = AGI + tax-exempt interest + certain deductions added back. It's on your Form 1040.
No IRMAA Surcharge
Income is below the IRMAA threshold for 2024
Total Annual Premiums
$5,033
Part B Premium
$174.70
Part D Total
$35.00
Your Monthly Total
$209.70
Household Monthly
$419.40
IRMAA Brackets — Married Filing Jointly
Your current bracket is highlighted.
2024 IRMAA Income Thresholds
| Income Range | Part B | Part B IRMAA | Part D IRMAA |
|---|---|---|---|
| $0 – $206,000← You | $174.70 | $0.00 | $0.00 |
| $206,000 – $258,000 | $244.60 | +$69.90 | +$12.90 |
| $258,000 – $322,000 | $349.40 | +$174.70 | +$33.30 |
| $322,000 – $386,000 | $454.20 | +$279.50 | +$53.80 |
| $386,000 – $750,000 | $559.00 | +$384.30 | +$74.20 |
| Above $750,000 | $594.00 | +$419.30 | +$81.00 |
Annual Cost Summary
Common IRMAA Reduction Approaches
Timing Roth conversions strategically across tax years.
Managing capital gains realization to stay below thresholds.
Maximizing charitable giving, such as qualified charitable distributions from IRAs.
Reviewing income sources for bracket proximity effects.
Filing a life-changing event form (SSA-44) if applicable.
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·IRMAA brackets are based on income from 2 years prior.
- ·Part D base premiums vary by plan and are not included in IRMAA calculations.
- ·2025 thresholds are estimates and subject to CMS confirmation.
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Quick Reference
- Social Security Bend PointsPIA formula and bend point thresholds
- Medicare Premiums & IRMAAPart B/D base premiums, income surcharge brackets
- Key Retirement Ages59½, 62, 65, 67, 70, 73 — what each unlocks
- Contribution Limits401(k), IRA, HSA, catch-up limits for 2025
- Retirement Account ComparisonTraditional vs Roth vs 401(k) vs 403(b) vs SEP
- RMD TablesUniform Lifetime Table, Joint Life Table
Insights
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