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What a Pakistan sales tax invoice must containDaily cash book and trial balance basicsShop counter: billing, stock and udhaarHow UAE gratuity worksQatar gratuity explainedRealistic Umrah cost from PakistanMasjid and madrasa record keepingAll guides →Shows how far you are from the next IRMAA cliff, what crossing it costs in a year, and what a Roth conversion or gain would do two years later, using the 2026 CMS tables.
IRMAA is an extra charge added to the Medicare Part B and Part D premiums when your income is above a set level. It uses your modified AGI from two years earlier, so 2024 income sets 2026 premiums. In 2026 a single filer pays no surcharge at $109,000 or less, and $81.20 more for Part B just above it.
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Enter your modified AGI to see your bracket.
An estimate from the 2026 tables. The Social Security Administration decides your actual premium from its own records. Later years’ tables have not been announced, and the what-if uses the 2026 table. People who filed separately but lived apart all year are treated as single; confirm that with the SSA.
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Your modified AGI (adjusted gross income plus tax-exempt interest) from two years earlier is compared with the CMS bracket table for your filing status. The bracket sets a fixed Part B surcharge and Part D surcharge added to the standard premium. Nothing is prorated inside a bracket, so one dollar over a line moves you to the next step. A married couple with both spouses on Medicare pays the amounts twice.
For example, a married couple filing jointly with modified AGI of $270,000 and both spouses on Medicare is in the second bracket and pays $2,297 a year in IRMAA between them. A $10,000 Roth conversion in the same income year raises MAGI to $280,000, past the $274,000 line, so the household pays $5,770: $3,473 more a year in Medicare charges, before any income tax. The couple and the amounts are made up; yours come from what you type.
Reviewed on 18 Oct 2026 against the published sources below. Rules and prices change, so check the current position before you rely on a figure.
This tool produces a document from the information you type. It does not give legal, tax or accounting advice, and it does not check that your figures or rates are right. See the disclaimer. Found a mistake? Report an error in a calculation.
