United States · Medicare costs
Medicare IRMAA calculator.
See what your income adds to your 2026 Medicare Part B and Part D premiums, per month and per year.
The 2026 standard Part B premium is $202.90 a month. If your MAGI from two years ago was above $109,000 (single) or $218,000 (joint), the first surcharge adds $81.20 to Part B for a total of $284.10, plus $14.50 on Part D.
Your inputs
2026 estimate
How the surcharge is figured
Medicare sets your Part B and Part D income-related monthly adjustment amount (IRMAA) from the modified adjusted gross income on your federal tax return from two years earlier, so 2026 premiums use your 2024 return. MAGI here is adjusted gross income plus tax-exempt interest. Your band depends on filing status. The Part B total is the standard premium plus the surcharge for your band. The Part D surcharge is paid in addition to your drug plan's own premium.
Formula: Part B total = $202.90 + Part B surcharge for your band. Yearly cost = monthly amount × 12.
Worked example
A single filer with 2024 MAGI of $150,000 is above $137,000 and at or below $171,000. Part B surcharge $202.90, so Part B totals $405.80 a month ($4,869.60 a year). The Part D surcharge is $37.50 a month. Surcharges alone come to $240.40 a month, or $2,884.80 a year.
2026 bands used (monthly surcharge, Part B / Part D)
| Single MAGI | Joint MAGI | Part B surcharge | Part B total | Part D surcharge |
|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 | $0.00 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $81.20 | $284.10 | $14.50 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $202.90 | $405.80 | $37.50 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $324.60 | $527.50 | $60.40 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $446.30 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 | $91.00 |
Married filing separately and living with your spouse at any time in the year: $109,000 or less pays no surcharge; over $109,000 and under $391,000 pays $446.30 (Part B) and $83.30 (Part D); $391,000 or more pays $487.00 and $91.00. The 2026 Part B deductible is $283.
Official sources: CMS 2026 Medicare Parts A & B premiums, deductibles and Part D IRMAA fact sheet (released November 14, 2025) for every amount above, and Medicare.gov Part D costs for the two-year income lookback. Amounts as of 2026; verified October 1, 2026.
Frequently asked questions
Which year's income does Medicare use?
The tax return from two years before the premium year. For 2026 premiums that is your 2024 return, as Medicare.gov describes it.
Is the surcharge a tax bracket?
No. It is a cliff. One dollar over a threshold moves you into the next band for the whole year, so MAGI right at a limit matters.
What if my income dropped since then?
If a life-changing event such as retirement or loss of income reduced your income, you can ask Social Security to use a more recent year. Ask SSA for the current process and forms.
Does the Part D amount include my plan premium?
No. It is only the surcharge. Your plan's premium varies and is separate; this page does not estimate it.
Does this include Medicare Advantage or Medigap?
No. It covers the standard Part B premium and the Part B and Part D income surcharges only. Part B total shown assumes full Part B coverage.
Estimate only
This is an educational estimate, not Medicare, tax or benefits advice. Social Security makes the actual determination and mails your notice; confirm your amount with Social Security or Medicare.