IRMAA Bracket Calculator

If your income crosses a Medicare IRMAA bracket by a single dollar, your Part B and Part D premiums can jump by hundreds of dollars a year — for each spouse. IRMAA Calc is the offline tool that shows you exactly where you stand and how much room you have before the next cliff. Enter your modified adjusted gross income (MAGI), your filing status, and the plan year. In one screen you get: - Your Part B premium — the standard base plus your income-related surcharge. - Your Part D IRMAA add-on — the extra you pay on top of your drug-plan premium. - Your combined annual IRMAA cost, and which tier you land in. - The distance to the next cliff — "You’re $2,001 under the next bracket — crossing adds +$144.60/mo per person, +$3,470/yr for your household." BUILT FOR THE TWO-YEAR LOOKBACK IRMAA is set from your tax return two years earlier: your 2026 premium comes from your 2024 income. The app…