Medicare IRMAA Calculator

Estimate your 2025 Medicare Part B and Part D premium surcharges based on your income. Small income differences can jump you to a significantly higher tier.

2025 premiums are based on your 2023 MAGI (2-year lookback)
$
Modified Adjusted Gross Income from your 2023 tax return
$ /mo
IRMAA is added on top of your plan premium
Estimated monthly Medicare premium
$185.00
Part B + Part D IRMAA surcharge
Tier 1 — Standard
Part B monthly
$185.00
Incl. any surcharge
Part D IRMAA add-on
$0.00
Plan premium: $0.00/mo
Annual total
$2,220
Both parts combined

Your position across all IRMAA tiers

What this means

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Planning a Roth conversion? Income from a Roth conversion counts toward your MAGI and can push you into a higher IRMAA tier. Use our Roth Break-Even Calculator to model both decisions together before converting.

Life change? You may appeal IRMAA after a qualifying life event (retirement, divorce, death of spouse, etc.) using SSA Form SSA-44. File with your local Social Security office.

Want to plan your income to stay in a lower IRMAA tier? That's exactly the kind of strategy we build for clients.

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Based on 2025 CMS/SSA published tables. Part B standard premium is $185.00/month. IRMAA surcharges are added to this amount. Part D IRMAA is an add-on to your plan premium and varies by plan. This calculator is for illustrative purposes only and may not reflect your exact situation. Consult Medicare.gov or your benefits advisor for confirmation.