Medicare IRMAA Calculator
Calculate medicare irmaa from your own entered figures.
CMS IRMAA schedule — 2025 (historical) last updated · reference source
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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.
Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.
What this tool does
Calculate medicare irmaa from your own entered figures. Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
How to use the Medicare IRMAA Calculator
- Enter or select lookback-year modified adjusted gross income.
- Enter or select filing status.
- Read the calculated result; change any measurement to compare alternatives.
Formula
2025 CMS tier lookup by MAGI and filing status; Part B total=185+Part B surcharge; Part D surcharge is added to plan premium
- magi
- Lookback-year modified adjusted gross income
- filing
- Filing status
Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
Worked example
For medicare irmaa calculator, the following measurements illustrate the exact method: Lookback-year modified adjusted gross income: 150000; Filing status: single.
Inputs
- Lookback-year modified adjusted gross income150000
- Filing statusIndividual
Result
- Historical schedule year2,025
- IRMAA tier2
- Monthly Part B surcharge$185.00
- Monthly Part B total premium$370.00
- Monthly Part D surcharge$35.30
2025 IRMAA monthly surcharges
| Tier | Individual upper threshold | Joint upper threshold | Part B extra | Part D extra |
|---|---|---|---|---|
| 0 | 106000 | 212000 | 0 | 0 |
| 1 | 133000 | 266000 | 74 | 13.7 |
| 2 | 167000 | 334000 | 185 | 35.3 |
| 3 | 200000 | 400000 | 295.9 | 57 |
| 4 | Below 500,000 | Below 750,000 | 406.9 | 78.6 |
| 5 | 500,000+ | 750,000+ | 443.9 | 85.8 |
Results explained
- Historical schedule year
- Historical schedule year from the formula above. Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
- IRMAA tier
- IRMAA tier from the formula above. Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
- Monthly Part B surcharge
- Monthly Part B surcharge from the formula above. Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
- Monthly Part B total premium
- Monthly Part B total premium from the formula above. Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
- Monthly Part D surcharge
- Monthly Part D surcharge from the formula above. Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
Frequently asked questions
2025 CMS tier lookup by MAGI and filing status; Part B total=185+Part B surcharge; Part D surcharge is added to plan premium
Published 2025 full Part B coverage schedule. Part D plan premiums are not included.
No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.
This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.
Check period consistency, currency, percentage inputs and the assumptions: Published 2025 full Part B coverage schedule. Part D plan premiums are not included.