IRMAA Table is a free calculator and reference for Medicare's income-related monthly adjustment amount (IRMAA). Enter your MAGI and filing status to see your IRMAA tier, the Part B and Part D surcharges, and exactly how much more income would push you over the next cliff. It has the CMS 2026 brackets for single, joint and married-filing-separately filers, 2027 thresholds clearly labeled as projections, worked Roth conversion examples, and a MAGI calculator. Figures are sourced from CMS, SSA and BLS and labeled as official or projected. The calculator runs in your browser.
People planning retirement kept asking whether a Roth conversion or a home sale would bump them into a higher IRMAA tier, and the official tables don't answer that directly. I built a simple tool that shows the tier, the cost, and the distance to the next cliff.