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IRMAA calculator
Enter your modified adjusted gross income and tax filing status. The calculator returns your income-related monthly adjustment amount (IRMAA) for Medicare Part B and Part D, and your total Part B premium, from the CMS bracket table. The year it uses is shown on the result.
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How it's calculated
The calculator finds your bracket in the CMS income-related monthly adjustment table for your filing status and returns the Part B total premium and the Part D adjustment. Medicare.gov says IRMAA uses the income on your tax return from 2 years earlier. Social Security makes the actual determination.
Questions
Does this calculator use the 2027 brackets?
It uses the newest brackets CMS has published. Until CMS releases the 2027 table, it uses the 2026 table and labels the result 2026.
Which income does IRMAA use?
Your modified adjusted gross income from your IRS tax return 2 years earlier, per Medicare.gov.
Can I lower my IRMAA after a life change?
Medicare.gov says you can ask Social Security to use a more recent year if a life-changing event reduced your household income.