Aisha K.
Mar 12, 2026
Clean layout and the results update instantly. Exactly what I needed for a quick planning check.
Investing & Wealth Building
Medicare IRMAA Calculator
Remember · Share
Inputs save on this device only. Share a link to reopen your exact numbers.
Inputs
05000000
12
0300
02000000
Smart analysis
Recommendations
Tailored to your live inputs and result—guidance only, not professional advice.
- Interpret
Treat this as a planning estimate
Primary result: 2026 Part B premium = $284.10/mo. Re-run with optimistic and pessimistic inputs to understand the range—not just a single point.
Scenario studio
Compare A vs B
Capture two sets of inputs on this device, then see which outcome wins. Share either scenario with a link.
Scenario A
Adjust inputs, then capture this slot.
Scenario B
Adjust inputs, then capture this slot.
Pro strategic insights
- Headline result: 2026 Part B premium = $284.10/mo. Use inflation-realist mode below to see today’s purchasing power.
Next steps
Keep exploring
High-intent follow-ups across investing, housing, and debt tools.
SEO & planning guide
Investing questions people search for
FIRE numbers, fee drag, DCA vs lump sum, and related planning intents — answered for clarity and search context.
Lump sum often wins mathematically if markets rise on average, because money is invested sooner. Dollar-cost averaging can reduce timing regret and smooth entry prices when cash arrives over time. Use both the DCA and compound interest tools to compare your own numbers.
Plain-English guide
Terms & how it works
Confused by a field? Read the short definitions here while you use the tool.
MAGI from two years prior
Length of the repayment schedule.
Filing status (1=single, 2=joint)
The “Filing status (1=single, 2=joint)” value used in this tool’s formula. Adjust it to see results update live.
Part D plan premium ($/mo)
The “Part D plan premium ($/mo)” value used in this tool’s formula. Adjust it to see results update live.
Roth conversion to test
Optional amount above the required payment to speed payoff.
- magi
MAGI from two years prior ($)
The “MAGI from two years prior ($)” field. Default 120000; typical range 0–5000000.
- extraRothConversion
Roth conversion to test ($)
The “Roth conversion to test ($)” field. Default 0; typical range 0–2000000.
Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
Look up 2026 Part B and Part D IRMAA from MAGI (usually the return from two years prior) and see what a Roth conversion would do to the premium.
How this calculator works
Look up 2026 Part B and Part D IRMAA from MAGI (usually the return from two years prior) and see what a Roth conversion would do to the premium. Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion. Scenario: Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
Scenario: Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
When to use this Medicare IRMAA
Common use cases
- Look up 2026 Part B and Part D IRMAA from MAGI (usually the return from two years prior) and see what a Roth conversion would do to the premium.
- Sanity-check with this scenario: Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
- The relationship is: Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
Localized examples
- Investing & Wealth Building: the example on this page uses the same formula as the widget.
What you get
- Fields: MAGI from two years prior ($), Filing status (1=single, 2=joint), Part D plan premium ($/mo), Roth conversion to test ($)
- Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
- Scenario on the page: Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
How to Calculate Medicare IRMAA
- 1Enter MAGI from two years prior ($), Filing status (1=single, 2=joint), Part D plan premium ($/mo), then the remaining fields. Use the values you have, not a catalog average, unless that is all you know.
- 2Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
- 3Scenario: Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
- 4Use it to compare habits, not to book a retirement party. Change one assumption and see which year moves.
Governing formula
Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
Single MAGI $120,000 → 2026 Part B $284.10/month instead of $202.90. A $20,000 conversion that crosses $137,000 jumps the next IRMAA tier.
Variable definitions
- magi
MAGI from two years prior ($)
The “MAGI from two years prior ($)” field. Default 120000; typical range 0–5000000.
- filingStatus
Filing status (1=single, 2=joint)
The “Filing status (1=single, 2=joint)” field. Default 1; typical range 1–2.
- partDPlanPremium
Part D plan premium ($/mo)
The “Part D plan premium ($/mo)” field. Default 40; typical range 0–300.
- extraRothConversion
Roth conversion to test ($)
The “Roth conversion to test ($)” field. Default 0; typical range 0–2000000.
- Compounding here (Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.) assumes the deposit and the return you typed. Jobs, taxes, and a bad decade are not in the slider.
- Nothing here is uploaded for the calculation itself.
Frequently Asked Questions
Match MAGI to the 2026 CMS IRMAA table (individual or joint). Optional: re-run the table on MAGI + a planned Roth conversion.
Related calculators
Investing & Wealth Building
- Emergency Fund & Runway PlannerEmergency fund planner with a life-shock simulator: job loss, medical bill, rent hike, or partner income gone.
- Roth Conversion Tax CalculatorEstimate the extra 2026 federal tax from a Roth conversion and how much room is left in your current bracket. State tax is not included.
- Social Security Claiming Age CalculatorTurn your SSA statement FRA benefit into a monthly check at 62, FRA, or 70 using official early-reduction and delayed-retirement credits.
- RSU Vest Tax CalculatorEstimate federal tax when RSUs vest and compare it to the 22% supplemental withholding most brokers take.
- Layoff Runway and COBRA CalculatorWalk cash, severance, unemployment, and COBRA month by month to see how long essentials stay covered after a job loss.
- Childcare vs Second Income CalculatorSee what a second paycheck keeps after 2026 federal tax, daycare, and work friction versus staying home.
Next in Money milestones
Keep going with related planners
These tools share the same journey — use them together for better decisions.
- Emergency Fund & Runway PlannerEmergency fund planner with a life-shock simulator: job loss, medical bill, rent hike, or partner income gone.
- Roth Conversion Tax CalculatorEstimate the extra 2026 federal tax from a Roth conversion and how much room is left in your current bracket. State tax is not included.
- Social Security Claiming Age CalculatorTurn your SSA statement FRA benefit into a monthly check at 62, FRA, or 70 using official early-reduction and delayed-retirement credits.
- RSU Vest Tax CalculatorEstimate federal tax when RSUs vest and compare it to the 22% supplemental withholding most brokers take.
- Layoff Runway and COBRA CalculatorWalk cash, severance, unemployment, and COBRA month by month to see how long essentials stay covered after a job loss.
Email me when you add a money planner
Occasional email when something new is worth opening. We never share your address. Unsubscribe anytime.
Discover & search
Explore More Tools
Related tools in Investing & Wealth Building — strengthening topical internal links.
Same category · 3 tools
Browse all →Compound Interest Calculator
Investing & Wealth Building
Project investment growth with compound interest, regular contributions, and a coasting phase with zero new deposits. Visualize how time and rate multiply wealth after you stop contributing.
FIRE Early Retirement Calculator
Investing & Wealth Building
Estimate when you can reach financial independence using savings rate and withdrawal assumptions. Plan your FIRE number with clarity.
Retirement Savings Goal Calculator
Investing & Wealth Building
Calculate how much you need to retire based on income replacement. Translate lifestyle goals into a portfolio target.
Community
Reviews & Ratings
See what others think about this tool, then leave your own rating to help improve CalculioHub.
4.8
out of 5.0
4 reviews
Daniel R.
Feb 28, 2026
Very usable on mobile. Would love a save/export option later, but the math feels solid.
Priya S.
Feb 3, 2026
The FAQ section answered my questions before I even had to search. Smooth dark mode too.
Marcus L.
Jan 19, 2026
Simple inputs, clear outputs. This replaced three bookmarks I used to juggle.
Improve this tool
Suggestion Box
Share an idea, report a bug, or send general feedback for Medicare IRMAA Calculator. Your input helps shape what we build next.