IRMAA Income Checker
Will your income add a surcharge to Medicare?
Most people pay the standard Medicare premium. But above certain income thresholds, an extra charge called IRMAA gets added to your Part B and Part D. Here's a plain way to see whether it applies to you — and what to do if it does.
Most people don't pay IRMAA at all. It's the income-related monthly adjustment amount — a surcharge added to your Part B and Part D premiums only when your income crosses set thresholds. The catch most people don't know: it's based on the income from your tax return two years ago — so a recent retiree can be charged on a higher working-year income. This shows you where you stand, and the appeal path if your income has dropped.
Check your situation
Your result
You know where you stand. Now what?
Whether to appeal, time a Roth conversion, or plan around the thresholds depends on your full picture — that's a conversation, not a calculation.
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Common questions about IRMAA
How is IRMAA calculated?
It's based on your modified adjusted gross income from your tax return two years prior, compared against income thresholds set each year. If you're above a threshold, a fixed surcharge is added to both your Part B and Part D premiums; below it, you pay the standard amount.
Why am I being charged IRMAA when my income is lower now?
Because IRMAA looks two years back. A recent retiree can be charged on a higher working-year income. If a life-changing event lowered your income, you can ask Social Security to use more recent figures with form SSA-44.
Does The Clearing see my income when I use this?
No. The calculation runs entirely on your own device — nothing you enter is sent, logged, or stored. The only thing we'd ever receive is your email, and only if you ask us to send a copy.