Medicare IRMAA Calculator 2026

Find out if your 2024 income triggers an IRMAA surcharge on your 2026 Medicare Part B and Part D premiums — and estimate your monthly cost.

Enter the values the calculator asks for and the result updates instantly in your browser. Every input is documented in the form, and the educational notes below the calculator explain what the output means and any common pitfalls. Nothing is sent to a server - all the math happens on your device.

Yes - every calculator on WhichCalc is completely free with no signup, no usage limits, and no tracking on the calculation itself. Results display instantly in your browser and your inputs are never sent to a server. Bookmark the page if you use this calculator regularly.