Medicare Premium (IRMAA) Surcharge Predictor

About You

What is your first name? — so we can customize this report just for you

What is your Medicare filing status?

IRMAA thresholds differ for individuals and married couples filing jointly.

Single / Married Filing Separately

Married Filing Jointly

Are you already on Medicare, or planning ahead?

Already on Medicare

Enrolling within 2 years

Planning ahead — 3+ years out

Your Modified Adjusted Gross Income (MAGI)

Medicare uses your MAGI from two years prior to set your premium. So your 2025 premiums are based on your 2023 tax return. MAGI includes Social Security benefits, IRA withdrawals, capital gains, pension income, wages, and most other income.

What is your estimated annual MAGI for the year Medicare uses to set your premium?

Enter your best estimate. If unsure, use last year's tax return Line 11 (adjusted gross income) plus any tax-exempt interest.

What are the main sources of your retirement income?

Select all that apply — this helps identify planning opportunities.

Social Security + IRA/401(k) withdrawals

Pension and/or annuity income

Investment income and capital gains

Business income or rental income

A mix of all of the above

Life Changes & Special Circumstances

Have you had a significant income-reducing life event in the past two years?

If your income has dropped due to retirement, divorce, death of a spouse, or loss of pension — you may be able to appeal your IRMAA tier using a more recent income figure.

No — my income has been fairly stable

Yes — I recently retired

Yes — divorce or separation

Yes — death of a spouse

Yes — other significant income reduction

Do you expect your income to increase or decrease significantly in the next 1–2 years?

Stay about the same

Increase — large IRA withdrawal, home sale, or other

Decrease — fully retired or income winding down

Part B Premium / Month

—

per person

Part D Surcharge / Month

—

added to drug plan cost

Total IRMAA Surcharge

—

above base premium

Estimated Annual Cost

—

total Part B + D / year

2025 IRMAA Tier Breakdown

Your highlighted row shows where your income falls. All tiers are per person per month.

MAGI (Single / Joint)	Part B Premium	Part D Surcharge	Annual Total