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Medicare IRMAA Calculator (2026)
Enter your 2024 income and filing status to see your 2026 Part B and Part D costs.
Medicare IRMAA Calculator (2026)
2026 Part B premium (per person)IRMAA tier 2 · plus $37.50/month on Part D
Extra cost per year
$2,885
Part B standard premium
$202.90/month
| Income | Part B | Part D add-on |
|---|---|---|
| ≤ $109,000 / $218,000 | $202.90 | $0.00 |
| ≤ $137,000 / $274,000 | $284.10 | $14.50 |
| ≤ $171,000 / $342,000 | $405.80 | $37.50 |
| ≤ $205,000 / $410,000 | $527.50 | $60.40 |
| ≤ $500,000 / $750,000 | $649.20 | $83.30 |
| ≥ $500,000 / $750,000 | $689.90 | $91.00 |
Based on income from two years earlier. Life-changing events (retirement, divorce, death of a spouse) let you ask SSA to use more recent income (Form SSA-44). Confirm current figures at Medicare.gov.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.