← All calculators
IRMAA Penalty Calculator
Find out if your Roth conversion will trigger Medicare premium surcharges — and how much they'll cost over the next decade.
Your Inputs
$
$
$
Treated as a recurring annual conversion. For a one-time conversion, only year 2 of the projection applies (the 2-year IRMAA lookback).
Your Results
Year-1 additional Medicare cost
$1,052
+$88/month per Medicare enrollee
Current MAGI
$190,000
MAGI w/ conversion
$265,000
Safe conversion (stays in current bracket)
$22,000
Includes projection table, warnings, and recommendations.