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IRMAA Surcharge Estimate
Plan with confidence. Move a dial — your result responds instantly.
Calibrate
Drag to set each value — estimates are fine.
Your MAGI from the tax return two years ago — that’s the one Medicare looks at.
How that return was filed.
JS
John Smith
RR Medicare
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mark+rrmedicare@prospectmatch.netWhat this means for you
Get a plain-English summary of your reading.
Levers that move this
- Modified adjusted gross income (MAGI)
- Tax filing status
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Track your progress over time
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- This IRMAA estimate is educational only, not tax or enrollment advice.
- Medicare determines IRMAA from the tax return filed two years earlier — this year's surcharge is set by that year's MAGI, and a life-changing event (like retirement) can qualify you for a reduction.
- The income brackets and surcharge amounts change every year; this estimate uses the 2026 figures. Joint totals assume both spouses are enrolled in Medicare.
- This tool is not affiliated with or endorsed by Medicare, CMS, the Social Security Administration, or any government agency.