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IRMAA Penalty Calculator

Discover how Medicare premium surcharges (IRMAA) could affect you and how Roth conversions can help.

IRMAA = Income-Related Monthly Adjustment Amount. Higher income retirees pay higher Medicare Part B and Part D premiums.

Your Information

Income Information

IRMAA is based on MAGI from 2 years prior. Enter your current income for planning purposes.

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$

From municipal bonds, etc.

Proposed Roth Conversion

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