Medicare IRMAA Surcharge Calculator
Estimate total Medicare income-related monthly adjustment surcharges for a household.
Last updated: October 15, 2026
Estimated IRMAA cost
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- Monthly household surcharge: —
- Part B surcharge before appeal reduction: —
- Part D surcharge before appeal reduction: —
On this page
Quick summary: Estimate total Medicare income-related monthly adjustment surcharges for a household.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
Medicare IRMAA Surcharge Calculator
Inputs and units
Use the units shown for Monthly Part B IRMAA per person ($), Monthly Part D IRMAA per person ($), People subject to IRMAA, Months charged, Expected monthly reduction after appeal ($). Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing a scenario.
Method and assumptions
Add the monthly Part B and Part D surcharges per person and multiply by people. Subtract the entered monthly household appeal reduction, flooring at zero, then multiply by months. The Part B and Part D component totals are before that reduction.
Worked example
Illustrative matching 2026 surcharges of 202.90 and 37.50 for two people over twelve months total 5,769.60 before an appeal reduction.
Limitations
This form does not select a bracket from income or filing status. Enter surcharge amounts from the applicable SSA/CMS notice, excluding the standard Part B and drug-plan premiums. An anticipated appeal is an assumption, not an approved adjustment.