IRMAA Cliff Checker

Medicare's income-related surcharge (IRMAA) works like a cliff, not a slope: cross a threshold by even one dollar and your premiums rise for the entire year. See how close you are.

Where Is Your Income on the Track?

Enter your expected Modified Adjusted Gross Income (MAGI). Important: Medicare looks at your MAGI from two years prior — your 2026 premiums are based on your 2024 tax return. New to IRMAA? Read What Is IRMAA? first.

Tax filing status
Distance to the first threshold —
Medicare Part B base premium —/mo

Move the slider to see your position.

How the cliff works: IRMAA is not phased in. If your MAGI lands even $1 over a threshold, you pay the full surcharge tier on top of the base Part B premium for every month of that year (and a Part D surcharge, if enrolled). Above the first threshold there are several progressively higher tiers — each one adds a larger surcharge. Because of the two-year lookback, income decisions you make today (Roth conversions, capital gains, large IRA withdrawals) set your Medicare premiums two years from now.

Educational tool, not advice. This calculator is for educational awareness only and is not financial, insurance, tax, or legal advice. Threshold and premium figures come from cited government sources (CMS) and are updated annually; only the first threshold is shown in dollars — higher tiers vary and should be checked at cms.gov. Consult a qualified tax professional about your MAGI.

Related reading: What Is IRMAA? · Provisional Income · Tax-Efficient Withdrawals

Planning a Roth Conversion or Big Withdrawal?

IRMAA planning is about timing. A free conversation can help you see how this year's income decisions ripple into future Medicare premiums.

Start the Conversation