2027 IRMAA calculator
Enter your 2025 income — the tax return Social Security uses for 2027 — and see your bracket, your monthly Part B + Part D total, and the part nobody else shows you: how many dollars of income you have left before the next cliff, and what crossing it would cost you for the year.
IRMAA is a cliff. One dollar over a threshold applies the higher bracket to the whole year — at the first threshold that single dollar costs about $1,190.40 extra over twelve months. If your 2025 income landed just over a line, the return is already filed, but a Form SSA-44 appeal may help if you had a life-changing event such as retirement. Your 2026 income — the year you can still shape — sets your 2028 bracket.
Prefer the table?
See the full 2027 IRMAA brackets for single and married filers, or read how these projected numbers are calculated.