Medicare IRMAA Surcharge Calculator
If your modified adjusted gross income (MAGI) is above the annual threshold, Medicare adds an Income-Related Monthly Adjustment Amount (IRMAA) to your Part B and Part D premiums. The Social Security Administration sets the income tiers and dollar surcharges each year, using your tax return from two years earlier. Because the thresholds and surcharges change annually, this calculator takes your tier's monthly Part B and Part D surcharges as editable inputs from the current SSA/CMS tables, then computes the monthly and annual total.
IRMAA formula
Monthly IRMAA = Part B surcharge + Part D surcharge Annual IRMAA = monthly IRMAA x months enrolled
The surcharges are added on top of the standard Part B and Part D premiums. Below the lowest income threshold, both are zero.
Worked example
A Part B surcharge of 74.00 and a Part D surcharge of 13.70 give a monthly IRMAA of 87.70. Over 12 months that is 1,052.40.
Medicare IRMAA: frequently asked questions
What is IRMAA?
The Income-Related Monthly Adjustment Amount (IRMAA) is an extra charge added to your Medicare Part B and Part D premiums if your modified adjusted gross income (MAGI) is above a set threshold. The Social Security Administration determines IRMAA each year using your tax return from two years earlier (for example, 2024 income generally sets the 2026 surcharge).
Why are the surcharge amounts editable inputs?
The IRMAA income thresholds and the dollar surcharge for each tier are set annually by the Centers for Medicare and Medicaid Services and the Social Security Administration. Because they change each year, this calculator takes the monthly Part B and Part D surcharges for your tier as editable inputs from the current SSA/CMS tables, then computes your annual total.
How is the annual IRMAA calculated?
Add the Part B monthly surcharge and the Part D monthly surcharge for your income tier, then multiply by 12 for the annual amount. The surcharge is on top of the standard premiums. If your income is below the lowest threshold, both surcharges are zero and you pay only the standard premiums.
Can I appeal my IRMAA?
Yes. If you have had a life-changing event such as marriage, divorce, death of a spouse, work stoppage or reduction, you can ask the Social Security Administration to use more recent income by filing Form SSA-44. You can also appeal if the income data used was incorrect or out of date.
Official sources
- Social Security Administration: Medicare Premiums: Rules For Higher-Income Beneficiaries.
- Medicare.gov: Medicare costs.
Reviewed by the CalculatorHub team, edited by James Graham, 19 June 2026. See our methodology.