Medicare IRMAA Calculator (2025)
Estimate your 2025 Medicare premium impact based on your MAGI and filing status. IRMAA uses a 2-year lookback (2025 premiums use 2023 MAGI).
$
Modified Adjusted Gross Income on your 2023 return.
$
/mo
IRMAA is added on top of your plan premium.
Part B Monthly Premium (total)
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Includes any IRMAA surcharge
Part D IRMAA (monthly add-on)
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With plan premium: –
Estimated Monthly Total (Part B + Part D IRMAA)
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Tier: –
Based on 2025 CMS/SSA tables. Part B standard premium is $185/month; Part D IRMAA is added to your plan premium. You may appeal IRMAA after a qualifying life change (SSA-44).