Tool · Medicare Cost Calculator
What will Medicare actually cost you?
Your situation
Using official 2026 Medicare premiums and IRMAA amounts.
Medicare uses 2024 income to determine 2026 IRMAA. Use your 2024 modified adjusted gross income if you know it. If not, estimate as closely as you can.
If yes, your Part B premium is typically deducted directly from your monthly Social Security check.
Estimated monthly premium
$202.90/mo
Part D IRMAA is billed separately and is added on top of your Part D plan premium, which isn’t included here.
IRMAA doesn't apply at this income.
IRMAA (Income-Related Monthly Adjustment Amount) is an extra charge added to Part B and Part D for higher earners. For 2026 Medicare premiums, it’s based on your 2024 tax return.
Estimate only. Based on the current official CMS premium schedule. Does not include the cost of a Part D drug plan, Medigap supplement, or Medicare Advantage premium — and does not include dental, vision, copays, or coinsurance.
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