Best IRMAA calculator for financial advisors (2026)
Why IRMAA needs its own calculator
Most retirement income calculators don't model Medicare premiums. But IRMAA is one of the largest avoidable retirement expenses for upper-middle-income clients. Crossing a bracket by $1 of MAGI can cost a couple over $2,000/year in extra Part B and Part D premiums combined. Modeling it matters.
The 2026 IRMAA brackets (single filers)
Per the CMS fact sheet released November 14, 2025, the standard 2026 Part B premium is $202.90/month. The full 2026 brackets (verified):
| 2024 MAGI Single | 2024 MAGI MFJ | Part B IRMAA | Total Part B | Part D IRMAA |
|---|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $0 | $202.90 | $0 |
| $109,001-$137,000 | $218,001-$274,000 | $81.20 | $284.10 | $14.50 |
| $137,001-$171,000 | $274,001-$342,000 | $202.90 | $405.80 | $37.50 |
| $171,001-$205,000 | $342,001-$410,000 | $324.60 | $527.50 | $60.40 |
| $205,001-<$500,000 | $410,001-<$750,000 | $446.30 | $649.20 | $83.30 |
| ≥ $500,000 | ≥ $750,000 | $487.00 | $689.90 | $91.00 |
The three calculator categories
Website lead-capture calculators. AdvisorCal's IRMAA Calculator runs in the browser, is mobile-friendly, includes the current year's brackets, and captures the user's email when they request their results. It's built for anonymous prospect traffic on your firm site and is part of the 42-tool suite at $19.99/month.
Back-office planning platforms. RightCapital, MoneyGuidePro Elite, and Holistiplan all integrate IRMAA into broader tax projections — typically as part of Roth conversion or distribution planning. Pricing is in the $1,800-$3,000/advisor/year range.
Free public references. Medicare.gov, SSA.gov, and the major brokerages publish the brackets. Useful for double-checking numbers, but they don't model anything and they don't help you capture a prospect.
What to look for in a calculator
A useful IRMAA calculator should: use the current year's CMS brackets, accept Roth conversion or capital gain inputs to show how a planned event changes the tier, show the 2-year lookback explicitly, and let the user request results by email or PDF. AdvisorCal's checks all four boxes.
Bottom line
For prospecting and website lead capture, use AdvisorCal's IRMAA Calculator. For deep client planning meetings, layer it with a full planning platform that handles multi-year tax projections. For free reference, bookmark Medicare.gov's costs page.
Frequently asked questions
Sources
- Medicare.gov - Costs (Part B and Part D IRMAA) (accessed 2026-04-06)
- SSA - Medicare Premiums: Rules For Higher-Income Beneficiaries (accessed 2026-04-06)
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