What does MAGI mean?
For IRMAA, MAGI is adjusted gross income plus tax-exempt interest. Taxable gains and taxable Roth conversions can increase it. A sale's gross proceeds are not the same as taxable income.
Help me find my income amount → A little guidance. A clearer answer.
Medicare costs.
Let’s make them clearer.
Higher income can mean an extra Medicare premium, called IRMAA. See what it could mean for you, one simple step at a time.
Let’s get started Official 2026 rates Results as you go Your inputs stay private
LET’S START WITH YOU
Your details
An example is shown below. Change the details to see your own estimate.
Your 2024 income generally affects your 2026 Medicare premiums.
If checked, the individual schedule applies. SSA may require an attestation. Otherwise, special married-filing-separately thresholds apply.
2What was your 2024 income?
Use the amount from your 2024 return. If you filed jointly, use your combined income.
$0$1 million
Move the slider, or type an exact whole-dollar amount above.
Not sure which income amount to use?
Add adjusted gross income and tax-exempt interest from your 2024 Form 1040. You do not need to upload your tax return.
3Which coverage should we include?
Each person pays their own IRMAA, based on the same joint MAGI.
Person 1
Add your drug plan premium (optional)
$
Person 2
Add your drug plan premium (optional)
$
Your income entries stay in your browser.
YOUR EXTRA MEDICARE COSTNo extra charge
2026 Medicare premiums · 2024 income
Uses official 2026 income limits and premiums.
$0.00/ month
Combined surcharge for two people
$0.00 extra per year
Based on this example, there is no income-related extra premium.
Updates automatically as you change your details.
A HELPFUL HEADS-UP
CURIOUS ABOUT A DIFFERENT INCOME?
A simple “what if.”
Try another income amount and see how the extra cost changes.
Compare a different income (optional)
$
Enter the resulting total MAGI, not just the amount of the transaction.
Extra cost with your current income
Extra cost with the other income
Both income amounts use official 2026 rates for the same coverage and income year.
Explore all 2026 income ranges
Married filing jointlyMonthly IRMAA per person · Part B + Part D
Illustration uses both Part B and Part D. Your estimate above follows each person's selected coverage. Tier widths are equal for readability, not proportional to income.
View exact 2026 thresholds and premiums
| 2024 MAGI | Part B IRMAA | Part B total | Part D IRMAA* |
|---|
*Part D IRMAA is in addition to your drug plan premium. Dollar ranges assume whole-dollar MAGI.
A FEW HELPFUL ANSWERS
A little understanding goes a long way.
How do the two years connect?
2024Income year2026Premium year
SSA generally looks back two tax years. If that return is unavailable, it may use a return from three years earlier. These estimates assume 12 months of the coverage selected.
Has your income gone down?
Retirement, reduced work, marriage, divorce, or a spouse's death may support a request for a lower IRMAA. SSA reviews the event, income change, and supporting evidence.
Explore SSA's review process ↗A voluntary sale or Roth conversion alone generally is not a qualifying life-changing event.
About this estimate and its official sources
This educational calculator estimates IRMAA for full Medicare Part B and/or Part D coverage. It uses a verified official rate schedule for the selected Medicare year when available in the calculator, or the latest earlier verified schedule as a planning benchmark. A benchmark is not a prediction of future income limits or premiums. SSA determines your actual IRMAA. Inputs are whole-dollar MAGI; dollar amounts are calculated in cents. For joint filers, both spouses use combined MAGI, but only enrolled people incur the applicable charges. Other filing statuses are estimated one person at a time.
Totals include the standard Part B premium for selected Part B coverage, applicable IRMAA, and any drug plan premiums entered. They exclude Part A, Medigap, Medicare Advantage premiums, deductibles, copayments, late-enrollment penalties, and Part B givebacks. Special immunosuppressive-drug-only Part B coverage, hold-harmless adjustments, and assistance programs are not modeled. A blank drug plan premium is excluded, not assumed to be a free plan. If your drug coverage is included in a Medicare Advantage plan, do not enter the same premium twice.
The latest verified schedule in this calculator is 2026. Later Medicare years use these figures as a clearly labeled planning estimate, without inflation assumptions. Actual future charges may be higher or lower, and a future threshold change may change whether IRMAA applies. Last source review: November 8, 2026.