IRMAA cliff calculator
Enter four inputs. See which 2026 Medicare IRMAA bracket your estimated MAGI lands in, and the annual surcharge arithmetic. This does not tell you whether to convert to Roth or change investments.
Current bracket
Tier 1
MAGI $250,000
Household IRMAA / year
$2,296.80
2× beneficiary
Vs zero IRMAA
$2,296.80
Cliff cost at current MAGI
Show the work
- Filing status: Married filing jointly
- Estimated MAGI: $250,000
- Medicare beneficiaries counted: 2
- Matched bracket: Tier 1 (MAGI $218,001–$274,000)
- Part B IRMAA: $81.20/mo × 12 = $974.40/person/yr
- Part D IRMAA: $14.50/mo × 12 = $174.00/person/yr
- Per person annual IRMAA: $1148.40
- Household annual IRMAA (2×): $2296.80
2026 MFJ bracket table (reference)
Monthly amounts are per beneficiary. Same monthly tiers apply to single filers with different MAGI cutoffs.
| Tier | MFJ MAGI | B $/mo | D $/mo | Couple $/yr |
|---|---|---|---|---|
| Standard (no IRMAA) | ≤ $218,000 | 0.00 | 0.00 | $0.00 |
| Tier 1 | $218,001–$274,000 | 81.20 | 14.50 | $2,296.80 |
| Tier 2 | $274,001–$342,000 | 202.90 | 37.50 | $5,769.60 |
| Tier 3 | $342,001–$410,000 | 324.60 | 60.40 | $9,240.00 |
| Tier 4 | $410,001–$749,999 | 446.30 | 83.30 | $12,710.40 |
| Tier 5 | ≥ $750,000 | 487.00 | 91.00 | $13,872.00 |
Source: CMS "2026 Medicare Parts A & B Premiums and Deductibles", retrieved 2026-07-27. Cross-check: research/verify_irmaa_2026.py.