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IRMAA Surcharge Calculator

IRMAA Surcharge Calculator. A Medicare beneficiary enters prior-year MAGI, a surcharge threshold, and monthly surcharge to estimate an annual premium adjustment. Use it when an income change may move Medicare premiums into a different IRMAA tier.

Inputs

Retirement, Pension & Health Accounts inputs

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 200000. Edit this value for your own facts.

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 103000. Edit this value for your own facts.

Range: 0–10,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 100. Edit this value for your own facts.

Result

Excess Magi
97,000.00
Estimate
Annual Surcharge
1,200.00
How to interpret this result
IRMAA Surcharge Calculator starts with a professional planning example for this scenario. Edit the inputs to replace the example with your own facts; the displayed outputs update from the formula.
Applicability and limits
This is a threshold comparison, not an official Medicare premium determination. It does not look up filing-status tiers, Part B or D base premiums, two-year lookback exceptions, or life-changing-event appeals.
Calculation basis
Only the named inputs and displayed formula relationships are used. Rates, limits, thresholds, eligibility flags, dates, and jurisdiction assumptions are not silently looked up unless a verified dataset is listed.

Formula

Calculation logic

Formula definitions and substituted values.

What to check

  • A Medicare beneficiary enters prior-year MAGI, a surcharge threshold, and monthly surcharge to estimate an annual premium adjustment.
  • Use it when an income change may move Medicare premiums into a different IRMAA tier.
  • This is a threshold comparison, not an official Medicare premium determination. It does not look up filing-status tiers, Part B or D base premiums, two-year lookback exceptions, or life-changing-event appeals.

Related calculators

This is a threshold comparison, not an official Medicare premium determination. It does not look up filing-status tiers, Part B or D base premiums, two-year lookback exceptions, or life-changing-event appeals.