IRMAA Medicare Surcharge Calculator 2026
Find out if your IRA or retirement income will trigger higher Medicare premiums. See how a Roth conversion could help.
Your Information
Your IRMAA Exposure
Moderate
Current Monthly Surcharge
$83/mo
Part B: $70.00 + Part D: $12.90
Annual IRMAA Cost (Current Income)
$995/yr
Projected IRMAA as RMDs Grow
| Age | Income | Annual IRMAA |
|---|---|---|
| 77 | $154,976 | $2,521 |
| 80 | $159,915 | $2,521 |
| 85 | $168,668 | $4,049 |
Total Projected IRMAA Cost (Age 65–97)
$90,847
Your projected IRMAA exposure is $90,847 over retirement.
A Roth conversion may eliminate this entirely.
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