An independent Medicare IRMAA calculator, built to be correct.

Who runs this

medicaresurcharge.com is published by Red Goggles LLC, an independent operator of free web calculators and reference tools. We are not an insurer, a broker, a Medicare plan, a government agency, or affiliated with CMS, the Social Security Administration, or the IRS. We don't sell insurance, we don't collect leads, and we don't take your information — the calculator runs on your device and nothing you type is sent to us.

Why this site exists

IRMAA — the Income-Related Monthly Adjustment Amount — is the surcharge Medicare adds to your Part B and Part D premiums when your income is above a threshold. Two things make it easy to get wrong, and most "look up the table" tools ignore both. First, IRMAA brackets are cliffs, not slopes: one dollar over a threshold can raise a couple's premiums by thousands of dollars a year. Second, IRMAA uses your MAGI from two years prior — your 2026 premium is set by your 2024 income. Showing you exactly where you stand relative to the next cliff, and letting you model a Roth conversion or capital gain before you trigger it, is the entire reason this tool exists.

How it's calculated

The estimate uses published federal figures, applied in the open:

• Part B premiums and IRMAA thresholds (CMS). Confirmed years use the premium amounts and bracket thresholds CMS announces each fall in its annual Medicare Parts B premiums fact sheet. Years marked Projected are inflation-indexed estimates and are clearly labeled as such in the tool.
• The two-year MAGI lookback. For each plan year the tool asks for the MAGI from the tax year CMS actually uses (two years earlier), so the number you enter matches the one on your return.
• MAGI definition. For IRMAA, MAGI is your AGI (Form 1040, line 11) plus any tax-exempt interest (line 2a). The what-if slider lets you add a Roth conversion, RMD, or harvested gain on top to see how it would shift your bracket.
• Filing-status brackets. Single, Married Filing Jointly, and Married Filing Separately each have their own thresholds — and MFS skips the middle tiers, jumping straight to the top surcharge above the first threshold.

The method is spelled out on the calculator page under How it works and the bracket reference.

How we stay neutral and current

We model current published CMS figures and state clearly which plan years are confirmed and which are projected. We don't predict policy or use scare framing. Bracket thresholds are indexed to inflation annually; when CMS announces the next year's numbers each November, we replace our projections with the official figures. We link to primary sources — CMS, the Social Security Administration, and the IRS — so you can verify every number yourself.

How the site is funded

medicaresurcharge.com is free and supported by display advertising. Advertising is kept calm and never mixes with your inputs — see our privacy page for exactly what is and isn't collected.

Questions or corrections? We take accuracy seriously on a topic this consequential — reach us on the contact page.