IRMAA Bracket Calculator

If your income crosses a Medicare IRMAA bracket by a single dollar, your Part B and Part D premiums can jump by hundreds of dollars a year — for each spouse. IRMAA Calc is the offline tool that shows you exactly where you stand and how much room you have before the next cliff. Enter your modified adjusted gross income (MAGI), your filing status, and the plan year. In one screen you get: - Your Part B premium — the standard base plus your income-related surcharge. - Your Part D IRMAA add-on — the extra you pay on top of your drug-plan premium. - Your combined annual IRMAA cost, and which tier you land in. - The distance to the next cliff — "You’re $2,001 under the next bracket — crossing adds +$144.60/mo per person, +$3,470/yr for your household." BUILT FOR THE TWO-YEAR LOOKBACK IRMAA is set from your tax return two years earlier: your 2026 premium comes from your 2024 income. The app ships all three current years — 2024, 2025, and 2026 — as a selectable table, so it stays useful as the brackets refresh each year. HOLD THIS TIER (reverse mode) Doing a Roth conversion, harvesting gains, or facing RMDs? Switch the worksheet to Hold this tier and it shows the largest MAGI that keeps you in your current tier — the exact number to size a conversion against. HOUSEHOLD MODE IRMAA is charged per person. For a married-filing-jointly couple with both spouses on Medicare, the app doubles the surcharge and shows your true household annual cost. THE BRACKET LADDER See the full verified grid for your year and filing status, drawn as a ladder with your rung highlighted and a marker showing where your income sits between the floor and the next cliff. SAVE AND COMPARE Save a normal year and a Roth-conversion year and compare their IRMAA side by side, with the annual-cost difference called out. ACCURATE AND HONEST Every bracket and dollar amount is a pinned constant taken from the official CMS and SSA IRMAA tables and verified against them — not a scraped feed that drifts. There is nothing to load and nothing to go stale mid-year. One-time purchase. No subscription, no ads, no account, no tracking — and it works fully offline. Nothing you enter ever leaves your device. IRMAA Calc is an independent estimate for planning. It is not affiliated with CMS, SSA, or Medicare, and uses no official logos. Your actual determination is made by SSA from IRS-reported income; verify against your SSA notice, and appeal a life-changing event with SSA form SSA-44.