See how required minimum distributions and other income interacts with your Medicare costs
| Age | Balance | RMD | SS income | Total income | IRMAA bracket | Part B (annual) | Part D surcharge | Total Medicare* |
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This tool is for educational and illustrative purposes only and does not constitute financial, tax, or legal advice. IRMAA brackets reflect 2026 thresholds based on 2024 MAGI. Social Security income uses the standard 85% taxable formula for higher incomes. *Total Medicare reflects Part B premium plus IRMAA surcharges only. Part D IRMAA surcharge is added on top of your plan's existing premium and does not include the base plan cost. Consult a qualified advisor before making financial decisions.