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Medicare Part B Premium Calculator

Estimate Medicare Part B premium, Part B IRMAA, Part D IRMAA, annual impact, and next threshold distance.

Medicare premium estimate

Ready to calculateEnter your values, then tap Calculate.

Enter your values and tap Calculate to see the result.

What this means

This calculator gives a quick estimate for medicare part b premium using the numbers you enter. The main result is meant to help you understand the size of the number and compare a few practical scenarios without building a full spreadsheet. It is most useful as a first-pass planning tool: change one input, watch the result move, and use the related calculators below to check nearby questions. This is a planning estimate only. Insurance costs, Medicare premiums, eligibility, deductibles, and program rules can change. Before making a high-stakes decision, confirm the details that matter most, such as local prices, taxes, benefits, loan terms, legal rules, insurance plan details, or live market data.

How Medicare Part B Premiums Work and the Income Surcharge Most People Do Not Expect

Last updated July 2, 2026

Medicare Part B covers outpatient care, doctor visits, preventive services, and durable medical equipment. The standard monthly premium for 2026 is $202.90 per month, but that is not what everyone pays. Higher-income beneficiaries pay the Income Related Monthly Adjustment Amount, known as IRMAA, which adds a surcharge on top of the standard premium based on income from two years prior. For 2026, beneficiaries whose 2024 modified adjusted gross income exceeded $109,000 for individuals or $218,000 for married couples pay higher amounts, ranging from $284.10 to $689.90 per month depending on income tier.

The two-year lookback is the detail that catches most newly enrolled Medicare beneficiaries off guard. Someone who retired at 65 in 2026 after earning $180,000 in 2024 will pay the IRMAA surcharge in 2026 even though their current income is substantially lower. The Social Security Administration provides a process to appeal the surcharge if income has dropped significantly due to a life-changing event, including retirement, divorce, or the death of a spouse. Filing the SSA-44 form with documentation of the income change can reduce or eliminate the surcharge in the year of the appeal rather than waiting the standard two-year adjustment cycle.

If you are approaching Medicare eligibility or recently enrolled, calculate your expected Part B premium using your income from two years ago. If IRMAA applies and your current income is significantly lower due to retirement or another qualifying event, file SSA-44 promptly. For pre-retirees doing Roth conversion planning, be aware that conversion income counts toward IRMAA calculations and can trigger surcharges two years after the conversion year.

Sources

How this is estimated

Assumptions used

Calculator reviewed 2026-06-19

Short FAQ

What does this medicare part b premium show?

It gives a quick estimate using the numbers you enter, so you can understand the rough size of the answer. The result is meant to be useful in seconds, not to replace a full quote, official calculation, professional review, or detailed financial plan.

Is this exact?

No. It is a planning estimate. Real results can change because of taxes, fees, local prices, timing, provider rules, eligibility, and personal details. Use the calculator to get oriented, then confirm important numbers with statements, quotes, official sources, or a qualified professional.

What assumptions should I check?

Check the inputs you can control first: rates, prices, balances, miles, hours, dates, and local costs. This is a planning estimate only. Insurance costs, Medicare premiums, eligibility, deductibles, and program rules can change.

What should I check next?

If the result affects a real decision, compare it with your actual documents, bills, plan details, employer rules, or local quotes. Use related calculators on this page to test nearby scenarios before moving into a deeper SumPilot tool.

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