IRMAA Calculator

Find out if your income triggers Medicare Part B and Part D surcharges

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Your Information
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From your tax return 2 years prior
Enter your income to check IRMAA

IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge on Medicare Part B and Part D premiums for higher-income beneficiaries.

What is IRMAA?

IRMAA is an additional premium charged to Medicare beneficiaries with higher incomes. It's based on your Modified Adjusted Gross Income (MAGI) from your tax return two years prior.

What counts as MAGI?
  • Wages, pensions, IRA/401(k) withdrawals, RMDs
  • Social Security benefits (taxable portion)
  • Capital gains, dividends, interest income
  • Rental income (net)
  • Tax-exempt interest (municipal bonds)
What does NOT count?
  • Roth IRA withdrawals
  • Return of basis from non-retirement accounts
  • HSA distributions for medical expenses
  • Loan proceeds (reverse mortgage, HELOC)
See how Roth conversions could reduce your IRMAA

Bullseye models your IRMAA costs year-by-year and shows how conversion strategies can save thousands.

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