This Roth Conversion IRMAA Calculator page is built for users who want to see whether Roth conversion income may need a Medicare IRMAA review.
The calculator can show bounded 2026 Part B and Part D IRMAA proxy previews from the calculator income proxy after conversion, while keeping SSA lookback-year MAGI and actual billing determinations outside the calculator.
Use the sample worksheet to understand the review flow, then open the calculator and bring your filed tax return, Medicare records, and any SSA notice to a qualified professional.
Sample result preview
Near-Medicare IRMAA review sample
The sample output highlights the calculator income proxy, 2026 Part B proxy premium, Part D IRMAA monthly adjustment, and the missing Medicare records needed for review.
- Taxable conversion
- $80,000
- Estimated upfront cost
- $21,058
- Break-even year
- Not reached
- Modeled federal effective rate
- 26.3%
Sample assumptions
- $80,000 conversion
- $145,000 current taxable income
- Single filing status
- Age 64, near Medicare enrollment
This is a fixed educational sample, not stored user data and not a recommended conversion amount. Change the calculator inputs before using any result for professional review.
IRMAA worksheet preview
IRMAA Review Prep
Your age or income inputs make Medicare IRMAA a higher-priority review item. The calculator's income proxy after conversion is $225,000, but IRMAA uses MAGI from the usual lookback tax year, not this calculator's taxable-income input.
- Calculator income proxy
- $225,000
- Part B proxy monthly premium
- $649.20
- Part D IRMAA adjustment
- $83.30
- Review priority
- higher_priority_review
Missing review items
- Medicare enrollment status and whether Part B or Part D applies.
- Filed 2024 tax return MAGI, including adjusted gross income and tax-exempt interest.
- Any SSA IRMAA notice, Medicare premium records, or Part D plan context.
- Whether a life-changing event may support SSA Form SSA-44 review.
- Professional review of whether taxable income differs from Medicare MAGI.
This IRMAA preview is bounded and educational only. It uses the calculator income proxy, not SSA lookback MAGI, and it does not determine actual Medicare billing.
This page is educational and illustrative only. It does not provide tax, financial, legal, Medicare billing, or investment advice.
This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.