An educational estimate — not advice.
medicaresurcharge.com helps you understand your Medicare IRMAA surcharge and how close your income is to the next bracket cliff. It's a starting point for your own planning, not a substitute for professional guidance or an official Social Security determination.
Not professional advice
The information and estimates on this site are provided for general educational purposes only. They are not tax, legal, financial, insurance, or Medicare-enrollment advice, are not a substitute for advice from a qualified professional, and don't create any advisory relationship. Decisions about income, Roth conversions, capital gains, and Medicare enrollment have real financial consequences — before you act, confirm your situation with a tax or financial professional or the Social Security Administration.
Estimates, not determinations
The calculator produces an estimate, not an official premium notice or IRMAA determination. In particular:
- Premium and threshold figures. Confirmed plan years use CMS's published Part B premiums and IRMAA bracket thresholds. Years labeled Projected are inflation-indexed estimates and will differ from the official numbers CMS announces each November.
- The two-year lookback. IRMAA is set from your MAGI two years prior. If your income has changed since then — or you've had a life-changing event — your actual surcharge may differ from a straight table lookup.
- MAGI. For IRMAA, MAGI is your AGI plus tax-exempt interest. Your exact figure depends on your final return; rounding and edge cases may differ from an official calculation.
Time-sensitive and subject to change
Medicare premiums and IRMAA thresholds are recalculated annually and are indexed to inflation. This tool reflects the figures published at the time of the plan year shown; projected years are estimates until CMS confirms them. Verify current figures against the primary source before relying on them.
Appeals and life-changing events
If a qualifying life-changing event (such as retirement, marriage, divorce, or the death of a spouse) has reduced your income, you may be able to ask Social Security to use a more recent year by filing Form SSA-44. A one-time Roth conversion or capital gain is generally not an appealable event. This site does not determine your eligibility to appeal — the Social Security Administration does.
Verify before you rely on it
For your official premium and to manage enrollment, use the Social Security Administration and Medicare.gov, and confirm current figures with the CMS Part B premiums fact sheet. We do our best to keep figures accurate and to cite primary sources, but we make no warranty of accuracy or completeness and accept no liability for decisions made based on this site. See our terms of use.
No affiliation
medicaresurcharge.com is an independent tool operated by Red Goggles LLC. It is not affiliated with, endorsed by, or connected to CMS, the Social Security Administration, the IRS, Medicare, or any insurer or financial institution.
Last updated: July 1, 2026