Estimate your 2026 Medicare Part B premium and Part D income-related surcharge using the modified adjusted gross income from your 2024 federal tax return.
2026 Medicare IRMAA Calculator
Enter 2024 MAGI—the amount generally used for 2026 premiums.
How Medicare calculates 2026 IRMAA
Social Security generally uses the federal tax return filed in 2025 for tax year 2024. MAGI for this purpose is adjusted gross income plus tax-exempt interest. The standard 2026 Part B premium is $202.90 per month. Higher-income beneficiaries pay an additional Part B amount and, if enrolled in prescription drug coverage, a separate Part D adjustment.
How to use the result
Select the filing status used on the relevant return and enter 2024 MAGI. For a married couple in which both spouses have Medicare, choose two beneficiaries; IRMAA applies to each person. Add your actual Part D plan premium if you want a broader annual estimate. Late-enrollment penalties, Medicare Advantage premiums, Medigap, deductibles and copayments are not included.
What if your income has fallen?
The two-year lookback can overstate current income after retirement or another major event. Social Security may make a new decision following specified life-changing events, including marriage, divorce, death of a spouse, stopping or reducing work, certain property losses, pension termination or certain employer settlements. Review Form SSA-44 and the official SSA premium rules.
Important limitations
This calculator estimates published 2026 premiums only. Social Security determines the official amount using IRS information, enrollment status and any penalties. Married-filing-separately rules shown here apply when spouses lived together during the tax year. Other filing situations may require individual guidance.