Medicare IRMAA Calculator: Income to Monthly Surcharge
Find the income tier and per-person surcharge using the two-year tax-return lookback.
Example estimate
Part B per person, per month
$202.90
- Part B surcharge
- $0.00
- Part D surcharge
- $0.00
- Tax return year
- 2024
- Data status
- Official
An illustrative calculation. Review the assumptions below before using the result.
Income from two years earlier
For coverage year Y, use the usual Y − 2 tax return. The calculator adds the income-related adjustment to the standard Part B premium; the Part D surcharge is added to your chosen plan premium. Values are per person, even on a joint return. Married-separate brackets here apply when you lived with your spouse during the tax year.
Questions, answered.
Does a joint return produce one joint premium?
No. Each enrolled spouse may owe the displayed per-person premium and surcharge.
Does this use my personal records?
No. Enter amounts or assumptions only. The site cannot retrieve an SSA earnings record, bank account, pension award or tax return.
Can I calculate with JavaScript turned off?
Yes. Each form sends a standard GET request and PHP calculates the result. JavaScript only improves the update and consent experience.
Why do the official numbers differ from my result?
Individual eligibility, exact dates, rounding, deductions and rules omitted from a simplified scenario can change the amount. Check the source and your own agency notice.
Can I print the calculation?
Use your browser’s print command. The inputs, result and assumptions remain; navigation and consent controls are removed from the printed view.
Check the sources.
Data checked October 1, 2026.