2026 Medicare IRMAA and Premium Calculator
Estimate one person’s 2026 Medicare Part B premium and Part D income-related adjustment from 2024 modified adjusted gross income. The result separates the base premium, income surcharges and your Part D plan cost. Use the filing status from the lookback return; your actual Social Security determination remains authoritative.
Your scenario
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Your estimate
Complete the scenario to see a result, its breakdown and limitations.
Monthly amortization schedule
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Next steps
Check the assumptions with your records before making a decision. Related calculators can help compare the next part of your plan.
How the estimate works
Match lookback-year MAGI to the 2026 CMS filing-status bracket. Add the bracket’s Part B total, Part D income-related adjustment and the entered Part D plan premium. Annual premiums equal twelve monthly payments.
Worked example
A single filer at $100,000 MAGI has a $202.90 Part B premium and no Part D IRMAA. With a $35 Part D plan, the estimate is $237.90 monthly or $2,854.80 annually.
Sources and review scope
Source comparison: 2026-09-23. Methodology owner: Toolistify. Implementation reviewed through automated source checks and regression tests; this is not professional tax, legal, benefits or financial certification.
Calculation inputs stay in this page; CSV downloads are created locally. The optional sales-tax lookup has separate disclosure above. Privacy · Corrections
Questions and answers
Why does the tool ask for 2024 income?
The standard 2026 determination uses a two-year tax-return lookback. SSA can use other information in certain circumstances.
Can retirement lower my IRMAA?
A qualifying life-changing event can support an SSA reconsideration request. This tool estimates premiums and does not decide appeals.