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IRMAA Calculator 2026 - Calculate Your Medicare Premium Surcharges
Calculate your Medicare Part B and Part D premium surcharges based on your retirement income level.
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How This Calculator Works
This calculator provides estimates based on current federal and state tax rules. It is designed to give you a general sense of your retirement tax situation and how tax-free strategies like IUL could impact your retirement income. For a precise analysis tailored to your specific situation, consult with a licensed financial advisor.
Important: Results are illustrative estimates only. Actual tax liability depends on many factors including your complete income picture, deductions, filing status, and state-specific rules. This is not tax advice.